How to apply to RCBC Diamond Card Platinum Mastercard

The RCBC Diamond Card Platinum Mastercard not only provides a medium for everyday transactions but also embodies a philanthropic aspect. With every ₱100 spent using the card, a donation of ₱0.10 is automatically generated towards a worthy cause through its Diamond Care Program, supporting foundations like Gawad Kalinga’s Kusina ng Kalinga and the Zonta Foundation for Women.
Besides the charitable feature, this card comes with a suite of benefits that enhance its appeal to a broad spectrum of users. Cardholders can look forward to earning flexible, non-expiring Rewards Points and benefit from Free International Travel Insurance up to ₱1,000,000 along with Purchase Protection. The card’s adaptability extends to its fee structure, offering free membership for up to three supplementary cards, with the primary card having a membership fee of ₱2,500 per year.
Moreover, the Diamond Card Platinum Mastercard facilitates a seamless global usage experience. With features like 0% Installment on purchases abroad, a bonus travel limit for extra spending power during travels, and an international acceptance feature allowing instant access to cash globally, cardholders are well-equipped for international usage. Additionally, the card offers a cash loan feature for those in need of extra cash for future plans and a unique YourCash! feature, granting cash on top of the available credit limit.
The RCBC Diamond Card Platinum Mastercard and its Benefits
The Diamond Card Platinum Mastercard from RCBC offers a blend of features that cater to both altruistic and practical needs of the cardholders. While it serves as a conventional payment medium facilitating daily transactions, it also stands out for its distinctive charitable donation feature, among other benefits. Below are some of the most notable benefits of this card elaborated in detail:
Charitable Donations
The card’s signature benefit is its automatic donation feature. With every ₱100 spent using the card, a ₱0.10 donation is automatically generated to a foundation advocacy through the Diamond Care Program. This program supports initiatives like Gawad Kalinga’s Kusina ng Kalinga and the Zonta Foundation for Women, allowing cardholders to contribute to societal causes as part of their regular spending.
Flexible Rewards Points
Cardholders earn Rewards Points on their purchases, which are flexible and non-expiring. These points can be redeemed in various ways, adding a layer of value to the card usage over time. The flexibility in point redemption provides an avenue for cardholders to benefit from their spending in a manner that suits them.
Insurance Benefits
The card offers Free International Travel Insurance up to ₱1,000,000 and Purchase Protection, providing a safety net for cardholders. The travel insurance is a valuable feature for individuals who travel abroad, while the Purchase Protection provides a layer of security for purchases made with the card.
Fee Structure
The fee structure of the card includes a ₱2,500 annual fee for the primary cardholder, while up to three supplementary cards are provided for free. This feature can be beneficial for families or individuals who require additional cards without incurring extra annual fees.
Global Usage
The card is equipped with features that facilitate international usage. These include a 0% Installment feature on purchases made abroad, a Bonus Travel Limit for enhanced spending power during travel, and International Acceptance which allows instant access to cash globally. These features provide convenience and financial flexibility for cardholders while they are outside their home country.
Cash Features
For cardholders in need of extra cash for future plans, the card offers a Cash Loan feature. Additionally, the unique YourCash! feature provides cash on top of the available credit limit, offering a financial cushion when needed. These features can be beneficial in managing unexpected expenses or planning for future financial needs.
Prerequisites to Obtain the RCBC Diamond Card Platinum Mastercard
Here are the prerequisites for applying for the Diamond Card Platinum Mastercard from RCBC:
Applicant Qualifications:
- Age:
- Principal Cardholder: Must be between 21 and 65 years old.
- Supplementary Cardholder: Must be between 13 and 65 years old.
- Contact Information:
- Must have a mobile number and a landline at the place of work.
Documentary Requirements:
For Employees:
- A completely filled-out and signed application form.
- A copy of one valid ID with a photo and signature (e.g., UMID, Passport, Driver’s License).
- A copy of any proof of income, which could include:
- The 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, signed by an authorized Human Resources Group signatory (COE must not be more than six 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.
About RCBC Financial Institution
With more over Php1.2 trillion in total assets as of December 31, 2022, RCBC is the fifth-largest privately owned universal bank in the Philippines according to the most recent data. The institution, having been in the market for 63 years, has achieved numerous milestones that have contributed to its reputation as a multi-awarded bank. Notably, RCBC has been recognized for its strides in digital innovation and sustainability, aligning with modern banking trends and consumer preferences.
Who is the RCBC Diamond Card Platinum Mastercard for?
The Diamond Card Platinum Mastercard from RCBC is well-suited for individuals who are drawn to a blend of charitable giving and practical financial benefits. Its unique feature of automatic donations with every spend makes it appealing to altruistic individuals who wish to contribute to societal causes effortlessly. Moreover, with benefits like flexible, non-expiring rewards points, international travel insurance, and global acceptance, it caters to a broad spectrum of cardholders including frequent travelers and those seeking financial flexibility.
Step by step to Apply for the RCBC Diamond Card Platinum Mastercard
Below is a step-by-step guide on how to apply for the Diamond Card Platinum Mastercard from RCBC:
- Choose a Card:
Begin by selecting the Diamond Card Platinum Mastercard as the right RCBC credit card for your needs on the official RCBC credit card page.
- Apply Online:
Fill out the online application form available on the official application page.
Submit the required documentary proofs of identification and income as outlined in the prerequisites section earlier.
Digitally verify your identity as part of the application process.
- Verification:
RCBC will contact you after you submit your online application to ask you to confirm a few details.
- Card Delivery:
You will be notified when your card is on its way to you after successful verification.
- Alternative Application Channels:
Alternatively, you can also apply at any RCBC branch or RCBC Credit Card sales booths if you prefer an in-person application process.
- Download the RCBC Digital App:
For easy management of your account once you have the card, download the RCBC Digital app from Google Play Store for Android or Apple App Store for iOS.
This procedure provides a streamlined approach to applying for the Diamond Card Platinum Mastercard and managing it post-approval.
APPLY TO RCBC DIAMOND CARD PLATINUM MASTERCARD CREDIT CARD HERE
Positives and negatives of the RCBC Diamond Card Platinum Mastercard
Based on the details provided on the official website, here’s a summarized table of the positives and negatives associated with the Diamond Card Platinum Mastercard from RCBC:
Pros
- Charitable Donations with Every Spend;
- Flexible Non-expiring Rewards PointsMorbi mollis tellus ac sapien;
- Free International Travel Insurance up to ₱1M;
- Purchase Protection;
- Fee Waiver for First Three Supplementary Cards;
- Global Usage Features (e.g., 0% Installment abroad);
- Cash Features for Financial Flexibility;
- Associated with a Reputable Bank (RCBC).
Cons
- Annual Membership Fee of ₱2,500;
- Monthly Effective Interest Rate of 3.50%;
- Minimum Annual Income Requirement of ₱1,200,000;
- Limited Promotional Offers;
- 10–15 days to Process an Application.
How to Activate the RCBC Diamond Card Platinum Mastercard?
Upon receiving the Diamond Card Platinum Mastercard from RCBC, cardholders can activate their card through a few different methods:
Hotline Activation:
Call the RCBC Credit Cards Customer Service hotline at (02) 8888-1888 and follow these prompts to activate your card:
- Press 2 to check your credit card account.
- Press 1 to access your card (enter your 16-digit credit card number + OTP that will be sent to your mobile number).
- Press 1 for Credit Card Services.
- Press 1 to activate your card.
Other Activation Methods:
- Activate via SMS, App, or Chat with Erica.
RCBC Diamond Card Platinum Mastercard Fees and Tariffs
Here’s a summary of the main costs associated with the Diamond Card Platinum Mastercard from RCBC, outlined in a table format:
Cost Type | Amount | Notes |
Annual Membership Fee | ₱2,500/year | Free for up to 3 supplementary cards; in excess ₱950/year. |
Monthly Interest Rate | 3.00% | |
Returned Check Fee | ₱1,500 / US$30 | |
Card Replacement Fee | ₱500 / US$10 | |
Invoice Retrieval Fee | ₱300 / US$6 | |
Refund Processing Fee | ₱150 / US$3 | For every refund request of any overpayment. |
Cash Advance Fee | ₱200 / US$4 | |
Late Payment Fee | ₱850 / US$17 | Or the minimum amount due, whichever is lower. |
Installment Pre-Termination Fee | 5% or ₱500 | Whichever is higher of the unpaid principal amount. |
Service Fee for Foreign Currency Transactions | 3.5% or 2.25% | Depending on the transaction type and currency. |
Quasi-Cash Fee | 1% | For specific transaction types like money transfer, tax payments, etc. |
Gaming / Casino Service Fee | 5% or ₱1,000 | Whichever is higher for every transaction. |
Multiple Payment Fee | ₱40 | For every payment in excess of 3 payments within a statement cycle in non-RCBC payment channels. |
Dormancy Fee | ₱200/month | Charged to inactive accounts under certain conditions. |
Over Limit Fee | ₱600 / US$12 | Charged when exceeding the credit limit. |
Balance Transfer Processing Fee | ₱250 | |
Balance Conversion Processing Fee | ₱250 |
The table details various costs such as the annual membership fee, monthly interest rate, and a variety of other fees associated with specific scenarios or services, such as cash advance, late payment, and foreign currency transactions. Note that some fees have conditions or exceptions attached to them, as outlined in the Notes column.
Contact RCBC Diamond Card Platinum Mastercard Customer Service
Here are the official channels through which you can seek assistance regarding the Diamond Card Platinum Mastercard from RCBC:
- Phone Contact:
- General Inquiry: +632 8888-1888.
- RCBC Customer Care: +632 8877-7222 or +632 8877 RCBC (8877-7222) for domestic toll-free (accessible only for PLDT landlines: 1 800 10000 RCBC (1-800-10000-7222)) and for international toll-free: (International Access Code) + 800 – 8888 – 7222.
- Email Contact:
- For RCBC Credit Card-related concerns: [email protected].
- For other concerns or requests: [email protected] or [email protected].
- Online Channels:
- Official Website: RCBC Official Website or RCBC Credit Card Official Website.
- RCBC Online Banking: RCBC Online Banking.
- Mailing Address:
- Yuchengco Tower 1, RCBC Plaza, 6819 Ayala Avenue Makati City 0727.
- Physical Visit:
- You may also visit any RCBC branch for assistance regarding your card.
These channels provide a variety of ways for cardholders to get in touch with RCBC for any assistance or inquiries related to the Diamond Card Platinum Mastercard or other services offered by the bank.