Bring back the joy of shopping with the ZALORA Credit Card.

The first fashion & lifestyle credit card in the region that rewards you every time you shop online.

SHOP MORE

Free ₱5,000 Shopping Credits as your Welcome Gift

Unlimited Free Shipping with ZNOW

Free Virtual Card for a safe online shopping experience

EARN MORE

Up to 6% Cashback on ZALORA & other online purchases

Flexible Rewards Points on other retail spend

GIVE MORE

First eco-friendly credit card in the country

Enjoy ₱5,000 ZALORA Shopping Credits

Yours for free when you spend at least ₱30,000, single or accumulated, within 60 days from card delivery.

Earn ZALORA Cashback on your online purchases

With the ZALORA Credit Card, earn 6% ZALORA Cashback on your ZALORA purchases and up to 2% Cashback on other online purchases.

Plus, get VIP access to ZALORA's exclusive sales, events, and brand launches.

Flexible, Non-expiring Rewards Points for all other purchases

Earn Rewards Points for as low as ₱50 card spend anywhere, including groceries, gas, travel, dining, and even utility bills payment! Since these Points never expire, you can continue to build up your Rewards Points until you feel like redeeming them.

Convert your Rewards Points to ZALORA Cashback or AIRMILES for free travel, use them to pay for your annual membership fee or as donation to any of our partner organizations.

Terms & Conditions apply.

Free Shipping with your ZNOW subscription

No need to worry about shipping fees with ZNow! Enjoy 1 year of unlimited free shipping with no minimum spend!

To continue enjoying this benefit, simply renew your membership and use your ZALORA Credit Card to reach a total annual spend anywhere of ₱200,000.

Terms & Conditions apply.

Free Virtual Card

Once you get approved for a ZALORA Credit Card, a Virtual Card will be instantly issued to you so you can immediately make purchases or pay utility bills online even before the physical main card arrives. No more waiting time!

Our way of taking care of the planet.

The ZALORA Credit Card isn’t your typical credit card – it's made from 84% bio-sourced polylactic acid (PLA) from non-edible corn, making it the first-ever eco-friendly credit card in the Philippines!

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.

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.

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!

Contactless

Shop quickly and safely with just a tap of your contactless-enabled RCBC Credit Card. No need to hand over your Card!

Virtual Card

Enjoy instant purchasing power with no physical card required!

Travel

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. Click to Apply

Click here to apply for a ZALORA Credit Card online.
2. Fill out and Submit

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!

Must be 18-65 years old to qualify as a Principal Cardholder.
Must be 13-65 years old to qualify as a Supplementary Cardholder.
Must have a mobile number and landline in your place of work.
Minimum gross annual income of P300,000

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