BKD Bankard (Sinulid 4) | FAQs p.1-2

Maligayang Pagdating sa Ikaapat na Sinulid ng mga Talakayan ng BANKARD.
Welcome to the Fourth Discussion Thread of BANKARD.
RCBC Bankard Credit Card Lineup
(as of posting)

MGA KAUGNAYANG SINULID:
Sinulid ng Manggagawa: BANKARD, INC. (Sinulid ng Manggagawa)
Sinulid ng Manggagawa: MALAYAN Insurance (YGC)
Sinulid ng Manggagawa: RCBC Rizal Commercial Banking Corporation
Sinulid ng mga Taga-Deposito: Rizal Commercial Banking Corporation : Deposits
Sinulid ng mga Taga-Deposito: RSB RCBC Savings Bank : Deposits
Sinulid ng Programang Katapatan: RCBC & RSB Hexagon Club | PRESTIGE
Sinulid ng Credit Cards:
I,II,III: Bankard, Inc.
Comments
Rizal Commercial Banking Corporation (Current Owner)
Equitable PCI Bank | Philippine Commercial International Bank (Original Owner)
I,II,III
Bankard, Inc.
https://www.pinoyexchange.com/discussion/408266/bankard-inc/p1
https://www.pinoyexchange.com/discussion/890112/bkd-bankard-sinulid-4#latest
Website: http://www.rcbcbankard.com/
Facebook: https://www.facebook.com/RCBCBankard/
Instagram:@RCBC Bankard
Landline: 888-1-888
Outside NCR using PLDT NDD Access: 1-800-10-888-1888
Outside the Philippines: +63 2 888 1 888
Email: [email protected]
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RCBC BANKARD SERVICES CORPORATION, known also as BANKARD, INC. is the second largest credit card issuers in the Philippines in terms of the most number of card brands acquisition, issuing Visa, MasterCard, JCB and CUP credit cards.
BDO issues the most brands in the country, namely MasterCard, Visa, JCB, UnionPay, American Express, including corporate and tie-up cards with different companies, and now Diners Club.
On December 4, 1981, Philippine Commercial International Bank (now part of BDO) organized the Philippine Commercial Credit Card, Inc. (PCCCI). Full commercial operations started in June 1982. It has strong partnership with Mastercard International.
It also issued its own line of credit and debit cards in the 1990s.
In July 1992, PCCCI changed its name to Bankard, Inc.
In March 1995, Bankard, Inc. was publicly listed in the Philippine Stock Exchange and started offering dual currency feature.
In May 2000, the Yuchengco group acquired Bankard from PCI Equitable Bank (now part of BDO), a product of the high profile merger between Equitable Bank and Philippine Commercial International Bank (PCIBank). The merged bank decided to keep Equitable's credit card arm instead of merging Bankard into Equitable Card Network's (now part of BDO Consumer Lending Group) operations.
In 2006, following the sale of the entire Bankard business and all of its assets to RCBC and RCBC Cards, the company re-branded its cards from Bankard to RCBC Bankard the following year, 2007. Now as RCBC BANKARD SERVICES CORPORATION.
From 2000 to 2006, the merger of RCBC Cards and Bankard, Inc. was being realized.
Bankard granted the license to acquire merchant billings and to issue credit cards carrying MasterCard brands in 1991, Visa brands in 1995, China UnionPay in 2010. Through RCBC Cards, Bankard also started issuing JCB cards.
In terms of card features, Bankard is known for being the first card company to launch a catalog-free Rewards Program and a simplified, no-hassle installment conversion feature that allows cardholders to convert their retail purchases to installment just by calling the RCBC Bankard Customer Service. Cardholders can likewise avail themselves of flexible and easy-on-the-pocket installment packages through the RCBC Bankard Installment facility that also includes 0% interest installment.
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BE RESPONSIBLE ENOUGH IN USING CREDIT FACILITIES.
RCBC BANKARD, publicly and legally known as BANKARD, INC. (traded as "BKD" in PSE) is the second largest credit card issuers in the Philippines in terms of the most number of card brands acquisition, issuing Visa, MasterCard, JCB and CUP credit cards.
In terms of card features, Bankard is known for being the first card company to launch a catalog-free Rewards Program and a simplified, no-hassle installment conversion feature that allows cardholders to convert their retail purchases to installment just by calling the RCBC Bankard Customer Service. Cardholders can likewise avail themselves of flexible and easy-on-the-pocket installment packages through the RCBC Bankard Installment facility that also includes 0% interest installment.
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BANKARD, INC., traded as "BKD"
(1) https://pse.com.ph/resource/disclosures/2013/pdf/dc2013-7756_BKD.pdf
(2) http://edge.pse.com.ph/downloadHtml.do?file_id=9734
(2) https://www.rcbc.com/Content/Web/img/about/pdf/disclosure/2014RCBC_SECForm17-C_012014_Bankard.pdf
Exact Name of Issuer as specified in its charter: BANKARD, INC.
Bankard Inc., doing business as RCBC Bankard.
The Yuchengco group acquired Bankard in 2001 from PCI Equitable Bank, a product of the high profile merger between Equitable Bank and Philippine Commercial International Bank (now merged with Banco De Oro). The merged bank decided to keep Equitable Bank's credit card arm instead of merging Bankard into Equitable CardNetwork's operations.
Bankard was considered a pioneer in the local credit card industry. It was established by PCI Bank in 1981 and its strong partnership with Mastercard International in the 1990's made it a formidable player and a lucrative business.
BANKARD, INC. vs RCBC BANKARD
Pero sana nga lahat sila ay maging kaanib na ng TU... Masama na ang AUB, RBank, atbp.
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Speaking of BANKARD, ang legal name ay "BANKARD, INC." and traded as "BKD" in PSE.
Mas lalong hindi "RCBC Bankard" - ito lamang ay para sa kapakanan ng "doing business as" o pampublikong pangalan.
Ito lamang ang aking sagot sa mga bumatikos sa akin kung bakit ko raw tinanggal ang "RCBC" sa pamagat ng sinulid 4 ng Bankard.
"BANKARD, INC." lamang po ang legal name ng RCBC Bankard.
Originally posted in HSBC Credit Cards (Thread 4) - Page 01
World MasterCard | Diamond Platinum MasterCard | Platinum MasterCard | YGC Rewards PLUS Platinum MasterCard
Diamond China UnionPay I Visa Infinite | JCB Platinum
Mango | Phoenix | Fully Booked
HBC | Wilcon | YGC Rewards PLUS
A special offer for RCBC Depositors.
YGC Rewards PLUS Platinum MasterCard
YGC Rewards PLUS Visa Gold
YGC Rewards PLUS Visa Classic
1. Never divulge your card number, online passwords and, most importantly, the last three digits at the back of your card to anyone. If you have been issued a Personal Identification Number (PIN), memorize it and destroy the mailer on which it was sent.
2. Before signing, check whether the amount printed on your transaction slip is the actual amount of your purchase.
3. Never surrender your card to anyone for whatever reason. We can provide all the services you need (i.e., balance transfer, card upgrade or replacement, increase in credit limit) without getting your card from you.
4. Never respond to fraudulent e-mails especially those that are requesting for confidential account information. If you’ve received any emails like this or responded to one already, please call 888-1-888 or 1800-10-888-1-888 immediately.
5. When dining or shopping, always personally hand over your card to the cashier and take note of the length of time before your card is returned to you.
RCBC Bankard also provides free SMS alerts on your card transactions, including those of your supplementary cardholders. Just enroll in SPEND MONITOR by calling 888-1-888 or enroll online here.
If you are into online shopping, request for web shopper. It’s a complimentary reference device with a set limit of Php10,000. Request online here or call 888-1-888.
Together, let’s ensure that your RCBC Bankard account remains safe and you remain stress-free!
ANYTIME, ANYWHERE VIA THE INTERNET. Settle your monthly RCBC Bankard credit card dues via online payment facility powered by RCBC Online Banking or through the online banking facilities of your bank-of-account.
IN NUMEROUS ATM LOCATIONS NATIONWIDE. Pay via the ATMs of participating Bancnet member banks.
IN OVER 3,000 PAYMENT CENTER LOCATIONS. Settle you card bills in cash or check at any branch of RCBC, RCBC Savings Bank, BDO, SM Bills Payment Counters and CIS Bayad Centers.
RCBC Bankard lets you earn rewards for your spending anywhere*! Plus, it’s not only generous, it’s non-expiring and has no cap.
-Air Miles
-Cash Rebates
-Rewards Points
Spend Requirement to Earn ONE (1) RCBC Bankard AIRMILES
Mastercard/VISA/JCB: Classic, Gold, Infinite, Black Card (Peso) and World
- Supermarket, Gas, Drugstore - P125
- Retail (Non-Supermarket, Non-Gas, Non-Drugstore) -P36
- Fast BillsPay & Insurance -P250
Mastercard Diamond and UnionPay* Classic and Diamond- Supermarket, Gas, Drugstore - P125
- Retail (Non-Supermarket, Non-Gas, Non-Drugstore) -P50
- Fast BillsPay & Insurance -P250
Black Card (USD)JCB MyDream, Co-branded Cards, Corporate Cards, and Private Label Cards are not eligible to enroll in this program.
An eligible principal cardholder may enroll in the RCBC Bankard AIRMILES Program by calling Customer Service Hotline at 888-1-888, or via email to [email protected]
Nice Master Strong! Aapplyan ko to.
FLEXIBLE REWARDS PROGRAM - CASH REBATES
Instead of unlimited rewards points, your RCBC Bankard credit card also offers you the option of enjoying a Cash Rebate
Program with NO LIMITS! Just keep using your card for your retail or installment purchases and enjoy:
NO MAXIMUM LIMIT to cash rebates you can earn
NO MAXIMUM amount of rebates needed before it gets credited to your account
NO REQUIRED SPENDING in various categories to enjoy cash rebates.
Enroll your card in the CASH REBATE PROGRAM. It’s free!
Cash Rebate Spend System
SERVICE MERCHANTS (Supermarket, Drugstore, Gas): 0.20%
- Mastercard: Classic, Gold, Black, World
- Visa: Classic, Gold, Infinite
- JCB: Classic, Gold
- MasterCard Diamond
NON-SERVICE MERCHANTS (except Utilities & Bills Payment Merchants)JCB MyDream, Co-branded Cards, Corporate Cards, and Private Label Cards are not eligible to enroll in this program.
Co-Brand cards have different rewards programs and as such, are excluded from this program.
An eligible principal cardholder may enroll in the RCBC Bankard CASH REBATE Program by calling Customer Service Hotline at 888-1-888, or via email to [email protected]
Cash Deposit to Your RCBC or RCBC Savings Bank Savings/Checking Account
Cash Credit to your RCBC Bankard Credit Card
Exchange your vouchers for a Manager’s Check
Donation. Make other peoples’ lives better with your Rewards Points.
HOW TO EARN REWARDS POINTS
Core Brand: Classic and Gold (MC, Visa, JCB), Elite: Black, Platinum, World MC, Visa Infinite
Spend Requirement to Earn Rewards Points: Php36 or Php125 from supermarkets, drugstores, or gas stations
Reward Points Awarded: 1 or % Peso Rebate:0.69% for non-service or 0.20% for service (supermarkets, drugstores, or gas stations)
Rewards Options: Airmiles, Cash Rebate*, Shopping Vouchers, Credit to RCBC Bankard account or Deposit to RCBC/RCBC Savings Bank account, Manager’s Check, Annual Membership Fee Waive, Donation
Core Brand: Platinum MC
Spend Requirement to Earn Rewards Points: Php50 orPhp125 from supermarkets, drugstores, or gas stations
Reward Points Awarded: 1 or % Peso Rebate:0.50% for non-service or 0.20% for service (supermarkets, drugstores, or gas stations)
Rewards Options: Airmiles, Cash Rebate*, Shopping Vouchers, Credit to RCBC Bankard account or Deposit to RCBC/RCBC Savings Bank account, Manager’s Check, Annual Membership Fee Waive, Donation
Core Brand: UnionPay
Spend Requirement to Earn Rewards Points: Php36 or Php125 from supermarkets, drugstores, or gas stations
Reward Points Awarded: 1Get 2X rewards in hotels & restaurants in China
Landmark Anson’s MasterCard
Spend Requirement to Earn Rewards Points: Php50 at Landmark and Anson’s purchases or Php83.33 elsewhere
Reward Points Awarded: 1
Rewards Options: Shopping Voucher – Landmark Gift Certificates, Annual Membership Fee Waiver, Credit to RCBC Bankard account
LJC MasterCard
Spend Requirement to Earn Rewards Points: PHP100
Reward Points Awarded: 1
Rewards Options: Dining Voucher – LJC Dining Certificates, Annual Membership Fee Waiver, Credit to RCBC Bankard account
Mango MasterCard
Spend Requirement to Earn Rewards Points: Php125 orPhp250 from supermarkets, drugstores, or gas stations
Reward Points Awarded: 1
Rewards Options: Shopping Vouchers, AMF Waiver, Credit to RCBC Bankard account
Sta. Lucia Mall MasterCard
Spend Requirement to Earn Rewards Points: Php100 for purchases at Sta. Lucia Department Store, Home Gallery and Planet Toys
Reward Points Awarded: 1Get 5X Rewards points for purchases of at least Php10,000 at Sta. Lucia Department Store, Home Gallery and Planet Toys
Wilcon MasterCard
Spend Requirement to Earn Rewards Points: Php200
Reward Points Awarded: 1Get 3X rewards points for Wilcon purchases
HBC MasterCard
Spend Requirement to Earn Rewards Points:
Reward Points Awarded: % Peso Rebate: 10% for purchases at HBC with equivalent outstore spend of Php10,0005% for purchases at HBC with equivalent outstore spend of Php5,000 to Php9,9991% for purchases at HBC with equivalent outstore spend of Php5,000 to Php9,9990.25% for purchases outside HBC
Rewards Options: Cash Rebate*
Fully Booked MasterCard
Spend Requirement to Earn Rewards Points: % Peso Rebate: 10% for purchases at Fully Booked with equivalent outstore spend of Php20,000 and up5% for purchases at Fully Booked with equivalent outstore spend of Php10,000 to Php19,999.
Spend Wisely
Shop Wisely
Pay In Installment
Travel Well
Convenient Online Services
A One-Time Password (OTP) will be sent via SMS to the cardholder’s registered mobile number every time you shop online at participating 3D Secure websites.Learn more about OTP here.
Perfect for buying small-tickets items online. It’s a reference device that you can use for online shopping without having to reveal your main RCBC Bankard card details. Get your free web shopper.
With your RCBC Bankard being equipped with an EMV Chip, you’ll enjoy the benefit of the chip technology that will help increase security and reduce fraud. Learn more here.
A one-stop card protection program that covers both unforeseen life events like death/disability and unauthorized purchases arising from fraud, theft or loss of credit card. Learn more about Credit Protect Plus.
We give you the lighter ways to pay off your purchases.
Experience the most flexible 0% installment with the widest reach, ALL YEAR ROUND! You can convert ALL your STRAIGHT purchases to installment. Learn more here.
Want a worry-free way of buying a big-ticket item? You can, with your RCBC Bankard! With RCBC Bankard Easyterms 0% Installment Program, choose to pay through Installment at selected merchants at 0% interest, for 3, 6, 9, 12, 24, or up to 36 months term! Learn more here.
Transfer your non-RCBC Bankard credit card balance for as low as 0.79% add-on rate per month. Learn more here.
Convert your straight single or multiple purchases from any merchant, to installment. Enjoy low monthly add-on rates, and payment terms of up to 36 months! Learn more here.
Child Has A Right to Good Education
Need extra cash for school-related expenses? Use your available limit and convert it to cash with C.H.A.R.G.E. Learn more here.
Get the extra cash you need courtesy of RCBC Bankard’s Cash Loan. Learn more here.
YOUR CASH
Turn your credit limit into cash.
Use your card abroad and avail of free Purchase Protection.
Enjoy the comfort and luxury offered by world-class airport lounges while waiting for your flight.
Convert your RCBC Bankard purchases abroad,
including your dining, hotel, and tour-related expenses to 0% installment for 3 months.
With RCBC Bankard’s BONUS TRAVEL LIMIT, you can get up to 100% increase in Credit Limit during your travel period.
Use your RCBC Bankard to withdraw from ATM’s bearing the Cirrus or Maestro logo. Through the Cash Advance (CA) facility, you can get instant access to cash anywhere in the world, via your RCBC Bankard and your PIN (Personal Identification Number). No PIN yet? Call 888-1-888.