The RCBC World Mastercard^® Credit Card
Unlock a new world of premium privileges

Faster Earning of Rewards Points

Earn 1 Rewards Point for every ₱10 international (in-store or online) spend and ₱30 local spend

Effortless Redemption via Pay with Rewards®

You can instantly redeem your Rewards Points from your RCBC World Mastercard via Pay with Rewards® and use them to pay for your recent purchases anywhere! Simply use Pay with Rewards via Chat with Erica on our website for seamless and easy rewards redemption.
You can also redeem your Rewards Points for Cash Rebates, RCBC Credit Card AIRMILES, Shopping Vouchers, deposits to your RCBC account, or as donations to charitable institutions.

VIP Travel Privileges

Enjoy unlimited free access to PAGSS International Lounges at NAIA Terminals 1 and 3.
Get a complimentary Priority Pass membership with one free access each calendar year!
Enjoy free Travel Insurance with overseas medical coverage when you charge your overseas travel tickets to your RCBC World Mastercard® and register for the benefit before your trip.

Unmatched Premium Lifestyle Benefits

Exclusive travel, shopping, accommodation, and dining deals with One Dines Free, and Priceless Specials: Preferred Hotels and Resorts
Access Mastercard Travel & Lifestyle Services via travel.mastercard.com for assistance with car rental services, airport access, and more.
Enjoy worldwide coverage of up to US$200 on your online purchases with e-Commerce Purchase Protection

Free-for-life Supplementary Cards

Maximum of 9

FASTER EARNING OF REWARDS POINTS
Purchases using your RCBC World Mastercard® will earn Rewards Points as indicated in the table below:

Ways to redeem your Rewards Points:

• Use Pay with Rewards via Chat with Erica to instantly redeem and use your Rewards Points to pay for your eligible purchases.
• Call (02) 8888-1883 to redeem your points for Airmiles, Cash Credits, Deposit to an RCBC Account, Shopping Vouchers, or as Donation.

COMPLIMENTARY PRIORITY PASS MEMBERSHIP PLUS FREE ACCESS
Enjoy VIP access to 1,500+ airport lounges and travel experiences in over 700 airports across 145 countries with your complimentary Priority Pass membership which includes one free access* each calendar year!

Simply activate your Digital Priority Pass membership to enjoy this benefit. Download the Priority Pass app from the App Store or Google Play and register your RCBC World Mastercard. Once activated, you can immediately use your Digital Membership Card and redeem your one free* lounge access. Here's the step-by-step guide on how to activate your Priority Pass Digital Membership.

*Any visits above the complimentary entitlement will be charged to your RCBC World Mastercard but waivable, subject to a minimum single-receipt or accumulated spend of ₱70,000 or US$1,500 overseas. Each qualified spend will equal one (1) access fee reversal. To request a reversal, please call (02) 8888-1883.
Terms & Conditions apply.

COMPLIMENTARY TRAVEL INSURANCE
Travel with confidence knowing you have free Travel Insurance with overseas medical coverage when you charge the entire cost of the standard carrier fare to your RCBC World Mastercard® and register for the benefit before your trip.

Visit https://ph.mycardbenefits.com to register by following these steps:

1. Enter your 16-digit RCBC World Mastercard card number.
2. Select Travel Insurance (Registration) – you will be redirected to the AIG site.
3. Enter personal details and submit.

Once you’ve successfully registered, you shall receive a confirmation email with your insurance details.

MASTERCARD TRAVEL & LIFESTYLE SERVICES
With your RCBC World Mastercard®, you can unlock one-of-a-kind experiences and priceless perks. Simply register at https://travel.mastercard.com before your trip:

• Enjoy peace of mind with Mastercard Hotel Stay Guarantee and Lowest Hotel Price Guarantee.
• Enrich your travel with Luxury Hotels & Resorts Collection where you can enjoy free up to US$100 hotel credits, complimentary daily breakfast, room upgrade*, and early check-in or late checkout*.
• Get up to 20% OFF car rentals and complimentary upgrade*.

*subject to availability. Terms & Conditions apply.

Features & Benefits

Budget Management

Unli Installment

Convert your straight purchases to installment for up to 36 months.

Spend Monitor

Get real-time SMS advisories on your credit card spending.

UnliPay

Pay anyone, anytime via real-time funds transfer using your RCBC Credit Card!

Spend Analyzer

Keep track of all your credit card transactions.

Fast BillsPay

Experience hassle-free and rewarding bills payment.

Balance Conversion

Convert your statement outstanding balance to installment.

Easyterms

Enjoy worry-free shopping with 0% installment for up to 36 months.

Balance Transfer

Consolidate your credit card bills in one card.

Enhanced Security

EMV Chip Technology

Enjoy the benefit of the chip technology that will help increase security and reduce fraud.

Shop Secure

Get One-Time Password (OTP) for your online purchases.

Web Shopper

Enjoy online shopping convenience and security.

Mastercard® Automatic Billing Updater

Keeps your card information updated for automatic payments whenever you are issued a new card.

Mastercard E-Commerce Protection

Get free insurance on your online purchases with your premium RCBC Mastercard Credit Card!

Travel

Free Travel Insurance & Purchase Protection

Get the assurance and protection you need when travelling abroad.

Access to World-Class Airport Lounges

Relax and freshen yourself before your flight in modern & cozy lounges with complimentary snacks & beverages and convenient facilities such as free WiFi, charging, shower room & more.

0% Installment on Purchases Abroad

Convert all your purchases abroad to installment!

Bonus Travel Limit

Get the spending power you need during your travel.

International Acceptance

Get instant access to cash anywhere in the world.

Rewards

Rewards Points

Earn Rewards Points that you can redeem in so many ways.

Airmiles

Fly for free to your dream destination sooner.

Get Cash

Cash Loan

Take the extra cash you need for your future plans.

Cash Advance

Withdraw cash anytime at any ATM, here and abroad, using your RCBC Credit Card.

YourCash!

Get cash on top of your available credit limit!

How to Apply

1. Choose a Card

Choose the right RCBC Credit Card for you.
2. Apply Online

Accomplish the online application form, submit documentary requirements, and digitally verify yourself.
3. Verification

We’ll get in touch with you to verify some information on your application.
4. Card Delivery

You will get a notification once your card is on its way to you!

You can also apply at any RCBC branch or RCBC Credit Card sales booths.

You must be 18-65 years old to qualify as a Principal Cardholder.
You must be 13-65 years old to qualify as a Supplementary Cardholder.
You must have a mobile number and landline in your place of work.

Requirements for Employees

Completely filled-out and signed application form
A copy of one (1) valid ID with photo and signature (i.e. UMID, Passport, Driver's License)
A copy of any proof of income:
For Employed

Latest Income Tax Return and/or W2 with BIR or Bank Stamp
Latest payslip stating monthly salary
Original Certificate of Employment (COE) with annual income details and signed by authorized Human Resources Group signatory. COE must not be more than six (6) months old
Latest bank statement showing the salary credit for the month

For Self-Employed, Proprietor, or Businessman

Latest Audited Financial Statement (AFS) with BIR or Bank Stamp and latest Income Tax Return (ITR) and/or W2 with BIR or Bank Stamp
Latest bank statement showing cash credits/sales receipt for the month

*Processing of credit card applications may take from 10 to 15 banking days

Membership Fee (Principal)	Php6,000/year
Membership Fee (Supplementary)	Waived up to 9 Supplementary Cards
See the latest Interest Rates and Other Fees & Charges here.