Secured Card

Get the RCBC Credit Card suited for your needs without having to wait for credit approval!

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Why Choose RCBC InstaCard?
  • A Savings Deposit account with 100% approved credit card regardless of your past credit history
  • Credit Limit assignment shall be 95% of hold-out deposit
  • Membership Fee is free for the first 12 months and lower than usual for succeeding months.
  • Determine the credit limit you want


Features & Benefits

Budget Management
Enhanced Security
Travel
Rewards
Get Cash
Budget Management
Enhanced Security
Travel
Rewards
Get Cash

How to Apply

  • How to Apply Step 1 Icon

    1. Choose a Card

    Choose the right RCBC Credit Card for you.

  • How to Apply Go to Your Branch Icon

    2. Go to Your Branch

    Go to your nearest RCBC branch to open a deposit account.

  • How To Apply Submit Icon

    3. Submit

    Accomplish the application form and submit the required documents.

You can also apply for an RCBC Bankard credit card at any RCBC or RCBC Savings Bank branch.

Questions? Look here.

      
  1. Choose the right RCBC Credit Card for you.
  2. Go to your nearest RCBC branch to open an InstaCard account. Applicants shall be required to open a Savings Deposit account in any RCBC Branch following the required initial deposit and maintaining balance.
  3. Accomplish and submit the following required documents:
    • InstaCard Application Form (form available at the branch)
    • Savings Account Opening Forms (form available at the branch) 
    • Deed of Assignment (form available at the branch) 
    • Valid IDs
      
  1. Applicant must be at least 21 years old.
  2. Applications for InstaCard will only be processed if the Applicant does not have a delinquent RCBC Credit Card account.
  3. A minimum hold-out deposit amount of P10,000/US$2,000 is required.
  4. The Deposit amount indicated by the client for InstaCard application shall be put on hold and shall be subject to the following:
    • The Deposit account number and amount specified in the Deed of Assignment and on the application form shall serve as the security collateral and credit limit for the card.
    • Credit Limit assignment shall be 95% of hold-out deposit. 
    • The hold-out amount shall be in effect until 60 days after the request for cancellation and until confirmed by RCBC Credit Cards. 
    • If credit card is cancelled, hold-out on the deposit can only be released after 60 days to allow posting of late billings. 
  5. Membership Fee is free for the first 12 months and lower than usual for succeeding months.
Card Type Principal Membership Fee Supplementary Membership Fee
Classic Mastercard & JCB,
YGC Rewards Plus Visa Classic		 ₱60/month ₱30/month
Gold Mastercard & JCB,
YGC Rewards Plus Visa Gold		 ₱100/month ₱50/month
Flex Visa ₱60/month ₱30/month
Flex Gold Visa ₱100/month ₱50/month
Platinum Mastercard
(Black, Diamond, YGC Rewards Plus Platinum)		 ₱150/month ₱75/month
Black Platinum Mastercard (Dollar) US$5/month Waived
JCB Platinum ₱150/month Waived
Visa Platinum ₱150/month ₱75/month
World Mastercard ₱150/month Free up to 3; in excess ₱75/month
Visa Infinite ₱250/month Free
Unionpay Diamond ₱150/month Free up to 3; in excess ₱75/month
Co-Brand Cards: Landmark Anson's, MANGO ₱60/month ₱30/month
Co-Brand Cards: AirAsia ₱150/month Free
Co-Brand Cards: ZALORA ₱3,600/year ₱1,800/year

See the latest Interest Rates and Other Fees & Charges here.
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Still have questions? Contact us.