Dreaming of swiping your first credit card? For many Filipinos, having a credit card is more than just a financial tool — it’s a step toward convenience, security, and even building a good credit history. But before you can enjoy the benefits of a credit card, you need to meet certain requirements.
If you’re a first-time applicant, understanding what documents and qualifications banks like RCBC need is important. Don’t worry — this guide will walk you through everything you need to know about the RCBC credit card requirements, plus tips to increase your chances of approval.
What Is a Credit Card and Why Do Requirements Matter?
A credit card is basically a small loan that the bank lets you use anytime. You swipe the card, the bank pays first, and you settle the bill later. Unlike cash, it gives you flexibility, rewards, and purchase protection.
But since it involves lending money, banks want to make sure you’re capable of paying it back. That’s why requirements matter — they’re not just paperwork, but proof of your financial capacity and identity.
RCBC Credit Card Requirements (Complete List)
Basic Qualifications
Before preparing documents, you must meet these minimum requirements:
Age: At least 21 years old (for principal cardholders); 13–20 years old (for supplementary cardholders).
Citizenship: Filipino citizen or a foreign resident with valid documents.
Minimum income requirement: Usually starts at ₱15,000 – ₱21,000 monthly gross income, depending on the card type.
Residential/office landline or mobile number: Needed for verification.
Required Documents
1. Proof of Identity
Valid government-issued ID (UMID, Passport, Driver’s License, SSS, PRC, etc.)
TIN or SSS/GSIS number
2. Proof of Income
For Employed Applicants:
Latest ITR (BIR Form 2316) or
1–3 months latest payslips or
Certificate of Employment with Salary (COE)
For Self-Employed Applicants:
Latest Audited Financial Statement (AFS) with BIR stamp
DTI/SEC Registration and General Information Sheet
Bank statements (last 3 months)
For Foreign Residents:
Valid passport and work permit/ACR card
Proof of income from Philippine employer
3. Proof of Residence
Utility bills (Meralco, PLDT, water, internet) under your name
Lease contract (if renting)
How to Apply for an RCBC Credit Card
Step 1: Choose the Right Card
RCBC offers a wide range of credit cards — from entry-level cards for beginners to premium cards with travel perks. Tip: start with a card that matches your income level and lifestyle.
Step 2: Prepare Your Requirements
Organize soft or hard copies of your IDs, income documents, and proof of address. Missing one document can delay your approval.
Step 3: Submit Your Application
You can apply:
Online via RCBC’s official website
At an RCBC branch
Through authorized credit card agents
Step 4: Wait for Verification
RCBC will call your mobile or office landline to confirm your application details. Make sure you’re reachable.
Step 5: Track Your Application Status
RCBC allows you to check your credit card application status online or via hotline. Approval can take 5–10 banking days depending on verification.
Benefits of Having an RCBC Credit Card
Convenience – Cashless payments online and in stores.
Rewards – Earn points, cashback, or air miles.
Emergency tool – Swipe now, pay later for unexpected expenses.
Credit history builder – A stepping stone for bigger loans (car, house).
đź’ˇ Tip: Before applying, try the Credit Card Cost Calculator to estimate how much your card might cost you monthly. This helps first-time users manage expectations.
Common Issues First-Time Applicants Face
1. Application Denied Due to Income
If your income is below the requirement, consider starting with an entry-level card or a secured credit card (backed by a deposit).
2. Unreachable During Verification
Always provide an active number and inform your office HR if the bank might call.
3. Incomplete Documents
One missing payslip or ID can put your application on hold. Double-check before submitting.
4. No Credit History
If it’s your first time applying, don’t worry. RCBC considers other factors like income stability and banking relationship.
TL;DR (Summary)
RCBC requires IDs, proof of income, and proof of residence for credit card applications.
Minimum age: 21 for principal cardholders; income requirement: around ₱15,000–₱21,000/month.
You can apply online, in-branch, or through agents.
1. What is the minimum salary to get an RCBC credit card? Usually ₱15,000–₱21,000 monthly gross income, depending on the card type.
2. How long does RCBC take to approve a credit card? Around 5–10 banking days if documents are complete and verification is successful.
3. Can I apply for an RCBC credit card without a bank account? Yes, as long as you meet the income and document requirements.
4. Do I need to have a credit history to get approved? Not always. RCBC also considers your income, employment stability, and submitted documents.
5. Can students apply for an RCBC credit card? Students can apply as supplementary cardholders under a parent or guardian’s principal card.
✅ With this complete guide, you now know the RCBC credit card requirements and how to prepare. If you’re ready, gather your documents, choose the best card for your lifestyle, and take your first step toward becoming a credit cardholder.
