Phoenix RCBC Bankard Mastercard – MoneySmart Review 2019

Phoenix RCBC Bankard Mastercard – MoneySmart Review 2019

If you gas up at Phoenix stations frequently, we recommend that you get a credit card that offers savings and rewards.

There are not a lot of credit cards that offer exclusive perks and privileges for Phoenix Petroleum customers. Although we’ve only got the Phoenix RCBC Bankard Mastercard, it’s packed with great features.

Phoenix RCBC Bankard Mastercard

When you gas up at participating Phoenix fuel stations with your RCBC card, you earn a 5% fuel rebate.

Spend at least 2,000 PHP at select Phoenix stations within 75 days of your card issuance date to receive Phoenix Fuel worth 500 PHP.

You also get up to 3 towing and emergency assistance per year for free.

Be protected whenever you drive through the streets of Manila and anywhere in the Philippines with your free Assist & Assistance Concept accident insurance.

International Travel Perks

If you do a lot of traveling for business or pleasure, you will have the peace of mind and protection that you need whenever you fly off to a new destination.

Phoenix RCBC Bankard Mastercard offers cardholders with free travel insurance and purchase protection.

No need to worry about flight delays, missing baggage, or cancelled trips because you are covered up to 15 days per trip.

Just purchase your plane or cruise tickets, or even your tour package from a travel agency with your RCBC credit card.

Call the RCBC customer service hotline with your travel info and you will soon receive your electronic Confirmation of Cover (e-CoC) from Malayan Insurance.

You are also eligible for the RCBC Bankard Purchase Protection Insurance Program that will cover loss or accidental damage to your purchases made overseas using your RCBC credit card.

The maximum allowable benefit is 50,000 PHP or your credit limit, whichever is lower. Coverage is within 90 days of the date purchase. You can find out more here.

Get access to the Skyview Lounge or Club Manila lounge for just $12 USD. Have the fee reversed when you charge at least $200 USD to your RCBC Bankard overseas (single purchase or accumulated spend).


Earn Rewards Points that don’t expire every time you use your Phoenix RCBC Bankard Mastercard.

You get 1 Rewards Point for every 125 PHP you spend on retail transactions, and 1 Rewards Point for every 250 PHP on utility bills payment made through Fast BillsPay.

Redeem shopping vouchers , cash credits to your RCBC Bankard,  or air miles (1 Rewards Point = 1 RCBC Bankard AIRMILE).

AIRMILES don’t expire, and the conversion rate is 3 AIRMILES  = 1 Mabuhay Mile / Asia Mile / GetGo Point / BIG Point.

Cash Rebates

The cash rebates that you can earn are unlimited. Absolutely no cap. It’s also easy to earn rebates because you don’t need to spend in specific categories.

Gas, supermarket, and drugstore transactions .20% rebate
Retail transactions (non-gas, non-supermarket, and non-drugstore) 0.69% rebate

Other Features

  • Option to convert your unused credit limit to cash with easy payment terms of up to 60 months
  • Separate extra cash on top of your credit card limit with very low add-on rates and payable up to 60 months
  • EMV Chip Technology
  • One-Time Password
  • RCBC Bankard Web Shopper
  • Credit Protect Plus
  • Zero interest installment for up to 36 months
  • Fast BillsPay
  • SMS advisories for all credit card transactions
  • Spend Analyzer
  • Balance Conversion

Annual membership fee: 1,800 PHP

Finance charge: 3.55%

Minimum monthly income: 19,200 PHP

Final Thoughts

This credit card is a great option for motorists and car owners who prefer to gas up at Phoenix.

It comes with a lot of features, rewards, and rebates, and it’s a good choice if you want a no-fuss card.

The income requirement is not ridiculously high, and the annual fees are also affordable.