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The Flex Gold Visa is presented as a card that comes with rewarding benefits aimed at aiding cardholders in achieving their life goals​.

This card from RCBC Credit provides a range of features including budget management, enhanced security, travel benefits, rewards, and cash access, among others. It caters to individuals seeking a blend of financial flexibility and security, providing tools like Spend Monitor and Balance Conversion for better budget management, and EMV Chip Technology for enhanced security. The travel benefits and rewards system further enrich the cardholder experience, offering more value for everyday spending and travel.

Benefits of the RCBC Credit Flex Gold Visa Card

The Flex Gold Visa card by RCBC Credit is laden with a plethora of benefits that cater to various needs of its cardholders. From budget management tools to enhanced security features, and from travel perks to rewarding point systems, the card is designed to add value to everyday transactions and financial management. Here are the top key benefits elucidated:

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Rewards Program

The card offers a rewarding points system where cardholders can earn 2x rewards in three preferred categories such as Grocery, Gas, Travel, Department Store, or Household Appliances. These points can be redeemed for shopping vouchers, cash rebates, cash credit to your deposit account, or even donated to charitable institutions. For those interested in travel, enrolling in the AIRMILES Program could lead to free flights​​.

Budget Management Tools

The card features a suite of budget management tools, including:

  • Unli Installment: Convert straight purchases to installment for up to 36 months.
  • Spend Monitor: Receive real-time SMS advisories on credit card spending.
  • UnliPay: Facilitate real-time funds transfer using the RCBC Credit Card.
  • Spend Analyzer: Keep track of all credit card transactions for better financial management.
  • Balance Conversion: Convert statement outstanding balance to installment.
  • Easyterms: Enjoy worry-free shopping with 0% installment for up to 36 months.
  • Balance Transfer: Consolidate credit card bills in one card​.

Enhanced Security

The card incorporates EMV Chip Technology to heighten security and minimize fraud. Additionally, the Shop Secure feature provides a One-Time Password (OTP) for online purchases, and the Web Shopper feature enhances online shopping security​​.

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Travel Benefits

Cardholders enjoy Free Travel Insurance & Purchase Protection for international travel-related needs. Access to World-Class Airport Lounges is also provided, ensuring a comfortable pre-flight experience with complimentary amenities. Moreover, a 0% Installment on Purchases Abroad feature allows conversion of all overseas purchases to installment​​.

Cash Access

The card provides various features under this benefit such as Cash Advance, Cash Loan, Your Cash, and Balance Transfer, thereby giving cardholders flexible access to cash when needed​.

Digital Services

While not elaborated in the sources, the Flex Gold Visa card is also likely to come with digital services for a modern, convenient banking experience, aligning with the general trend in the credit card industry.

These benefits collectively contribute towards providing a flexible, secure, and rewarding financial tool that can cater to both everyday needs and long-term financial goals.

Necessary Prerequisites to Obtain the RCBC Credit Flex Gold Visa Card

To apply for the Flex Gold Visa card, there are certain eligibility criteria that an individual must meet. Here are the general prerequisites as gleaned from RCBC Website:

  1. Age Requirement:
    • Applicants for the primary card must be at least 21 years old, and the age range for principal cardholders extends to 65 years old. For supplementary cardholders, the age requirement is 13 to 65 years old​.
  2. Residency/Citizenship:
    • Applicants should be either Philippine residents or Filipino citizens​.
  3. Income Threshold:
    • There is an income requirement, where applicants must be earning at least ₱180,000 per annum or ₱250,000 per annum if working in the BPO industry​​.
  4. Existing Credit Card Holder:
    • It’s necessary for applicants to be existing credit card holders​​.
  5. Contact Information:
    • Applicants need to have a landline either at their place of residence or their place of work/business. Additionally, a mobile number is required​​.
  6. Identification Numbers:
    • Tax Identification Number (TIN) and SSS/GSIS No. are required for the application​​.

These requirements are fairly standard and aim to ensure that the applicant has a stable financial background and can manage the credit facilities responsibly.

About RCBC Financial Institution

The Rizal Commercial Banking Corporation (RCBC) is a prominent banking institution in the Philippines. Here’s a concise overview of the bank:

  1. Origins:
    • RCBC commenced its operations as a small development bank in the year 1960. Over the years, it experienced rapid expansion, evolving into one of the significant financial entities in the country​​.
  2. Standing in the Banking Sector:
    • As of the end of 2022, RCBC is recognized as the 5th largest privately owned universal bank in the Philippines. The bank holds a substantial position in the country’s banking sector, with total resources exceeding Php1.2 trillion​.
  3. Financial Performance:
    • During the period from 2007 to 2010, RCBC demonstrated a strong financial performance, with both interest and non-interest income growing at double-digit rates. Notably, in 2009, the bank reported a net income of ₱3.31 billion, marking a 54 percent growth from the previous year, showcasing its ability to navigate through the global economic crisis effectively​.
  4. Characteristics:
    • RCBC is known as a universal bank, providing a wide array of financial services and products to cater to diverse customer needs. The universal banking model allows it to operate both as a commercial bank and an investment bank, thus offering a comprehensive suite of banking solutions.
  5. Market Recognition:
    • Being one of the largest universal banks in the Philippines, RCBC is well-recognized in the market, and its substantial resources underline its capacity to serve a broad customer base effectively​​.

RCBC’s longstanding presence in the market, coupled with its resilient financial performance and comprehensive service offerings, underscores its established position in the Philippine banking sector.

Who is the RCBC Credit Flex Gold Visa Card for?

The Flex Gold Visa card is designed for individuals seeking a blend of spending flexibility, security, and rewarding benefits. Here’s a more detailed look at the target customer profile for this card:

Young Professionals and Upwardly Mobile Individuals

The card is particularly marketed towards young professionals who are in the phase of building their careers. The rewarding benefits, especially the 2x rewards points on select categories, make it appealing for those who have varied spending across groceries, fuel, travel, or shopping at department stores and buying household appliances.

Individuals with a Steady Income

Given the income requirement of at least ₱180,000 per annum or ₱250,000 per annum if working in the BPO industry, this card is aimed at individuals with a stable income. This income threshold ensures that cardholders have the financial capacity to manage credit responsibly.

Frequent Travelers

The travel benefits such as free travel insurance, purchase protection, and access to world-class airport lounges make this card a good fit for individuals who travel frequently, whether for work or leisure.

How to Apply for the RCBC Credit Flex Gold Visa Card

To apply for the RCBC Flex Gold Visa card, you can follow the steps outlined below. The official page for the card is available here, where you can initiate the application process:

  1. Start the Online Application:
    • Go to the RCBC Credit Homepage.
    • Scroll down to the section labeled ‘credit cards’ and click on ‘Gold & Classic Cards’.
    • Under Flex Gold Visa, click on ‘Apply now’.
    • Fill out the application form provided.
    • Consent to the customer agreement form by clicking ‘I Accept’​​.
  2. Digital Verification:
    • After submitting the initial application, the bank will conduct a digital verification of your application before proceeding to the next steps of the application process​​.

Additionally, for a smoother application and management experience, you might want to download the official RCBC apps on your mobile device:

  • RCBC Digital App:
    • This app is available for download on the App Store and Google Play.
    • Once downloaded, tap “Sign up now” to enroll. You’ll need to read and agree to the terms and conditions, enter your 16-digit RCBC Credit Card Number and CVV. A One-Time Password (OTP) will be sent to your registered mobile number, enter the OTP and tap ‘Submit’, then create your User ID and Password​.

APPLY TO RCBC FLEX GOLD VISA CREDIT CARD HERE

Positives and Negatives of the RCBC Flex Gold Visa Credit Card

The RCBC Flex Gold Visa card comes with several notable benefits as well as some drawbacks. Here’s a summarized table outlining the pros and cons of the card based on the available information:

Pros:

  • Flexible rewards system: Choose 3 categories (Grocery, Gas, Travel, Department Store, Home Appliances) for double rewards points​.
  • Budget management: Convert straight purchases to installments payable for 36 months​​.
  • Free budget monitoring tools​​.
  • Earn ₱125 = 2 points on gas and grocery spend, and ₱50 = 1 point on spend at department stores, household appliances & travel​.
  • Designed for young professionals with rewarding benefits​​.

Cons

  • High effective monthly rate on loans​​.
  • Annual fee of ₱3,000​
  • Interest rate of 3%
  • Minimum monthly income requirement of ₱50,000​.

How to Activate the RCBCFlex Gold VisaCredit Card?

Upon receiving the RCBC Flex Gold Visa card, cardholders have four different methods to activate their card, as outlined on the official RCBC Credit Card webpage:

  1. Via SMS:
    • Send the last 6 digits of your credit card to 0919-160-0402 using your registered mobile number​​.
  2. Via the RCBC Digital App:
    • Cardholders can activate their Renewal and Replacement Cards using the RCBC Digital App. There’s a specific section within the app that guides through the activation process​.
  3. Via Chat with Erica:
    • On the RCBC website, there’s a chat feature named Erica. Cardholders can initiate a chat with Erica to activate their card. Click on Erica’s icon in the bottom right-hand corner of the webpage to start the process​​.
  4. Via IVR (Interactive Voice Response):
    • Call the RCBC Credit Cards Customer Service hotline at (02) 8888-1888 and follow the 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 followed by the OTP that will be sent to your mobile number).
      • Press 1 for Credit Card Services.
      • Press 1 to activate your card.
    • A confirmation will be sent to your registered mobile number within ten minutes. If no confirmation is received, cardholders are advised to call the RCBC Credit Cards Customer Service Hotline​​.

These multiple methods of activation offer flexibility to cardholders to choose the method that’s most convenient for them.

Fees and Tariffs for the RCBC Credit Flex Gold Visa Card

Membership Fee (Principal)

Php3,000/year

Membership Fee (Supplementary)

Php1,500/year

Monthly Interest Rate

3.00%

Cash Advance Fee

₱200

Late Payment Fee

₱850

Unli Installment Processing Fee

₱250 (per purchase)

How to Contact RCBC Customer Service

Here are the official channels through which you can seek assistance or inquire about the RCBC Flex Gold Visa card:

  1. Contact Numbers:
    • Domestic Toll Free: 1-800-10000-7222
    • International Toll Free: (International access code)+800-8888-7222
    • For RCBC Credit Cards: +632 8888-1888
    • For concerns requiring immediate attention (e.g., to report lost/stolen cards or disputed transactions):
      • Classic, Gold, and Co-Brands: (02) 8888-1888
      • Platinum, Diamond, Infinite, World, and ZALORA Cards: (02) 8888-1883
      • AirAsia Cards: (02) 8888-1818​.
  2. Email Addresses:
  3. Official Websites:
  4. Chat:
    • You can chat with a virtual assistant named Erica on the RCBC Credit Card website for assistance with card activation and other inquiries.

These channels provide multiple avenues for cardholders and interested individuals to receive support and get their concerns addressed.