BKD BANKARD [RCBC] (S4) | FAQs p.1-3

Strong7PowerStrong7Power Member PEx Moderator
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: Bankard, Inc.
   II: Bankard (Sinulid 2)
   III: Bankard (Sinulid 3)
   IV: Bankard (Sinulid 4)


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Comments

  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018

    OPISYAL NA KOMUNIKASYON


    Instagram: @RCBCBankard
    Telepono: 888-1-888
    Labas ng Pambansang Punong Rehiyon gamit ang PLDT NDD Access:1-800-10-888-1888
    Labas ng Pilipinas: +63 2 888 1 888
    Sulatroniko: [email protected]
  • Strong7PowerStrong7Power Member PEx Moderator
    edited April 16
    PROFILE

    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. 

    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 is 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.

    +++

    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

    ehleesyan said:
    ehleesyan said:
    Utangero said:
    gemithlim said:
    Hello po. Ano-ano po ba yun bank na member ng Transunion? Thanks po


    TU and Non TU Banks😁 pero wala sa list si CITI at si AUB. Baka hindi ito updated. Got this sa post ng isa din nating kapexer😀
    Unionbank ko 12k lang ang limit hahaha kainis gold nga pero 12k lang. Tapos 3k ang annual fee.
    I believe this list of TU and Non-TU banks are from a Citibank Agent.
    They use this as reference for when and when not to accept reference cards when applying for a credit card by minimum CL required per bank.

    Also posted on HSBC Credit Cards (Thread 3)
    Kaso hindi na updated ang American Express, Diners, Equitable Card Network ay kasama na sa BDO, nagsanib-pwersa na ang PNB at ABC; at EWB at SCB.

    Ang nakapagtataka lang bakit gusto ng BDO sa reference ay BPI, MCC, Citi, at HSBC lamang...na kaya tayo may hinuha na sila at sila lang din ang mga kaanib ng TU...
    Tama. Hindi na updated ang listahan.

    Maaring ang mga bagong miyembro ng TU ay hindi gaanong madalas nagpapada ng report sa TU.

    Ayon sa aking nakuhang credit report mula sa TU, bukod sa limang banko (BDO, BPI, MBTC, HSBC, CITIBANK), naandoon sa report ay ang:
    - Union Bank
    - Bankard
    (oo, Bankard lang nakalagay hindi RCBC Bankard)
    Mayroon akong Security Bank ngunit hindi ito nakalagay sa report.
    Sana ay ipaskil na lang nila sa kanilang website ang lahat ng miyembro ng TU bukod sa lima
    Pero sana nga lahat sila ay maging kaanib na ng TU... Masama na ang AUB, RBank, atbp.

    ---
    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
  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018
    BANKARD - ELITE CARD



    World MasterCard | Diamond Platinum MasterCard | Platinum MasterCard | YGC Rewards PLUS Platinum MasterCard
    Diamond China UnionPay I Visa Infinite | JCB Platinum
  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018
    BANKARD - BASIC & PREMIUM CARDS

    Classic MasterCard | Gold MasterCard | Webshopper MasterCard
    Visa Classic | Visa Gold | Visa Webshopper
    MyDream JCB | JCB Classic | JCB Gold

  • Strong7PowerStrong7Power Member PEx Moderator
    BANKARD - TIE UP CARDS




    The Landmark-Anson's | Sta. Lucia Mall | The LJC Group
    Mango | Phoenix | Fully Booked
    HBC | Wilcon | YGC Rewards PLUS
  • Strong7PowerStrong7Power Member PEx Moderator
    BANKARD - YGC REWARDS PLUS



    Get that ultimate Credit and Rewards Card for your shopping and saving needs. 
    A special offer for RCBC Depositors.

    YGC Rewards PLUS Platinum MasterCard
    YGC Rewards PLUS Visa Gold
    YGC Rewards PLUS Visa Classic
  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018
    Ways to Keep your RCBC Bankard credit card in Good Credit Standing


    1.  Make sure you pay at least the full minimum amount due  on your card as often as possible. If you are sticking to your monthly budget, this shouldn’t be a problem. Don’t overspend! Take advantage of your RCBC Bankard’s free, customized, spend management tool called Spend Analyzer. It allows you to plan your card usage by printing an expense summary table on your monthly statement of account. In one glance, you’ll be able to see your family’s expenditures for the month’s cycle and the year-to-date cycle.

    2.  Hold on to your transaction receipts so that you can refer to them whenever you are in doubt of a particular entry in your monthly statement of account. Save all of your transaction receipts. This will serve as your proof in case there are erroneous postings in your monthly statements.
    To keep track of your card transactions and manage your budget, enroll in the RCBC Bankard Spend Monitor and enjoy peace of mind with real-time SMS advisory that keeps you informed of your card transactions. The best part about this is that this service is free-of-charge!

    3.  Owning a credit card is a privilege, not a right. A credit card is a financial tool that you should use responsibly. Pay your credit card bill on time and at least the minimum amount due in full each month to avoid interest charges and late payment fees.
    If you’re a good cardholder, your RCBC Bankard will generously reward you with credit limit increases and special perks. Settle your monthly dues right in the comfort and convenience of your home via an online payment facility powered by BancNet. No need to line up in the bank or payment centers! All you need is a BancNet account. See all payment channels here.

    4.  Have an organized credit life. Managing more than one credit card can be tedious and stressful. Here are some tips on how to make this hassle-free: (1) use one card exclusively for one particular type of purchase; (2) keep a list of the different due dates and balances for each card; and (3) set up auto-debit arrangements with RCBC or RSB Savings to make sure paying your monthly credit card bills  is done effortlessly and on time
    Of course, the best option is to consolidate all your spending on your RCBC Bankard and generate savings for yourself by enjoying rebates on your interest charges. Learn more about Balance Transfer. Talk to our Customer Service Representative by calling 8881888.

     5.  Never let others use your card or share your PIN to avoid problems that may arise from fraudulent charges. Not only will these fraudulent charges give you a headache, more importantly, it will destroy your credit worthiness. Be vigilant. If, however, you want to share your card privileges with your loved ones and chosen household staff, the best way is to get them Supplementary Cards. Their first-year membership fees will be waived. You may apply online here or call 8881888.

    6.  Read all pertinent messages, updates, and/or notices printed on your MBS/SOA.  Read all pertinent messages, updates, and/or notices printed on your Statement of Account. This will help you in keeping your RCBC Bankard credit card account in good order and standing.
    Your RCBC Bankard has set up convenient ways for you to access your monthly statements of account. Log on to website or enroll in the eMBS/eSOA Via Email facility to have your monthly statements sent directly to your email address thereby insuring that you will get your statements on time.

    7.  Keep your Credit Card information secure at all times. Do not fall victim  to phishing websites, emails or prank calls asking for your credit card details. Be smart in determining the need to divulge these information and the manner it will be done.  For your security, immediately sign at the back of your credit card upon receipt.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018
    Have a truly rewarding and secure credit card experience with your RCBC Bankard! 
    Here are some tips to keep your credit card safe:

    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!



  • Strong7PowerStrong7Power Member PEx Moderator
    PAYMENT CHANNELS

    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.
  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018
    BANKARD - FLEXIBLE REWARDS PROGRAM

    Make the most of your spending with our Rewards Program!
    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


  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018

    FLEXIBLE REWARDS PROGRAM - AIRMILES



    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)
    • Supermarket, Gas, Drugstore -USD1
    • Retail (Non-Supermarket, Non-Gas, Non-Drugstore) USD1
    • Fast BillsPay & Insurance -USD6

    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]

  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018

    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:

    checkboxNO MAXIMUM LIMIT to cash rebates you can earn
    checkboxNO MAXIMUM amount of rebates needed before it gets credited to your account
    checkboxNO 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)
    •  Mastercard: Classic, Gold, Black, World - 0.69%
    • Visa: Classic, Gold, Infinite - - 0.69%
    • JCB: Classic, Gold - - 0.69%
    • MasterCard Diamond - - 0.50%

    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]


  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018
    FLEXIBLE REWARDS PROGRAM - REWARDS POINTS


    Shopping Vouchers to Top Establishments
    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.

  • Strong7PowerStrong7Power Member PEx Moderator

    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.


  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018
    CARD BENEFITS

    Spend Wisely
    Shop Wisely
    Pay In Installment
    Travel Well
    Convenient Online Services



  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018
    CARD BENEFITS - SPEND WISELY


    It’s a built-in feature in your monthly statement that summarizes all your credit card transactions, and records it according to categories. Learn more about Spend Analyzer.


    Gives you peace of mind because you receive real-time SMS alerts with an updated tracking or your allocated budget each time you make a purchase. Enroll your RCBC Bankard in Spend Monitor.


    Here are fast ways to pay your electricity, phone, water bills and more! You’ll even get rewards points for all your bills payment. Learn more about Fast BillsPay.
  • Strong7PowerStrong7Power Member PEx Moderator
    CARD BENEFITS - SHOP WISELY



    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.

  • Strong7PowerStrong7Power Member PEx Moderator
    edited October 2018
    CARD BENEFITS - INSTALLMENT OPTIONS & FINANCIAL PRIVILEGES
    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.
  • Strong7PowerStrong7Power Member PEx Moderator
    CARD BENEFITS - TRAVEL WELL



    Purchase your travel tickets using your RCBC Bankard and get free Travel Insurance. 
    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.


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