Are you a millennial looking for the best credit card that has flexible features? Look no further. We got you covered. It can be daunting to browse all the pages of credit cards from several banks that offer great rewards and perks. Finally, there’s the RCBC Bankard Flex Visa Rewards card, allowing you to control how you earn rewards points.
Whether you shop online, pay monthly bills, or dine at your favorite restaurant, you earn points from your chosen spending categories. Let’s get over the features, benefits, and other perks you get if you have this one in your pocket. It’s the card that lets you redeem what you want. How cool is that?
Table of Contents
RCBC Bankard Flex Visa key features
How does RCBC Bankard Flex Visa work?
What are the other features of RCBC Bankard Flex Visa?
Other options to RCBC Bankard Flex Visa
Final thoughts
RCBC Bankard Flex Visa key features
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How does RCBC Bankard Flex Visa work?
The RCBC Bankard Flex Visa offers you the flexibility you need to earn faster points whenever you swipe it. You earn 2X rewards points in your two preferred categories. Choose whether you want to earn points from dining, clothing, travel, or transportations.
For example, you earn twice your rewards points on clothing and dining if that’s what you prefer, and then you can simply change categories on the next billing cycle depending on your spending habits.
With that said, you can earn points from other spending categories all year’ round. Exchange your earned points for shopping vouchers or redeem cash rebates as you wish. If you feel generous, you may also use the points to donate them to charitable causes. And that’s not all. You can even get free flights when you enroll in the air miles program.
The minimum annual income for this card is P180,000, which is great for millennials and professionals, and new applicants that earn a decent monthly salary. If you sign up from now until December 31, 2021, your annual fee is waived for life. This promo is for a limited time only.
What are the other features of the RCBC Bankard Flex Visa?
This credit card is a keeper because aside from the rewards points and airmiles program, you have free travel insurance (Travel Plus Lite) and purchase protection whenever you use your card to book flights and purchase items. Moreover, you have access to Skyview Airport Lounge, giving you that comfort and convenience you need while traveling.
For budget-conscious folks, you can take advantage of the Spend Monitor feature, where you get real-time SMS notifications on your card spending. There’s the Spend Analyzer to make sure you’re on top of your transactions. You can also use the Unli Installment that lets you convert straight purchases to installments up to 36 months with add-on rates for large purchases.
As you shop online, you get to enjoy enhanced security because this card has Shop Secure feature to ensure you receive the OTP (one-time-password) straight to your mobile phone to authorize all transactions.
Other options to RCBC Bankard Flex Visa
Is RCBC Bankard Flex Visa not enough? You may also explore other credit cards that offer almost the same benefits that match your financial habits.
Security Bank Classic Rewards Mastercard (P20 = 1 reward point)
Security Bank Classic Rewards card lets you earn 1 rewards point for every P20 you spend regardless of category. Use your accumulated points to redeem gift certificates from a wide range of merchants and stores nationwide. You can also redeem air miles and waive your annual fee.
There are no multiplier points for spending categories, but you can collect as many points as you like, and they don’t expire. Some of the stores and restaurants that accept gift certificates are Metro Supermarket, Zalora, Lander’s Supermarket, Robinson’s Supermarket, to name a few.
HSBC Red Mastercard (P20 = 1 reward point)
HSBC Red Mastercard lets you earn rewards points for your online shopping spending. This is another option for shopaholics who would like to maximize their points in every transaction. You earn one rewards point for every P20 you spend. Furthermore, you have a 6% fuel rebate on your first gas up on Caltex and a 3% rebate on your subsequent purchases all year round.
HSBC also offers an Accelerated Rewards program to cardholders to earn up to 4X rewards points in online shopping and dining categories. You can exchange points for air miles, appliances, gift vouchers, and more.
UnionBank Lazada Mastercard (P200 = 6 Lazada credits)
UnionBank Lazada Mastercard is another option for millennials who love to shop on Lazada. Unlike the other cards that let you earn points for as low as P20, this one gives you 6 Lazada credits for every P200 you spend on Lazada itself.
If you use this card to purchase items from other merchants, you earn 1 Lazada credit. On top of that, cardholders get to enjoy its 0% installment program and flexible payment options for large purchases.
Final Thoughts
RCBC Bankard Flex Visa Rewards’ flexible rewards program is a unique feature that you rarely find on other credit cards. It gives you more control over earning points — the way you want it and depending on your monthly spending. Furthermore, for moneysmart folks who wish to monitor their spending, it has all the features you need to be on top of your bills.
But if you’re still looking for other credit cards that can earn you more points, HSBC Red Mastercard and UnionBank Lazada Mastercard are great options. Meanwhile, an entry-level card with basic rewards program like Security Bank Classic Mastercard is your best bet, especially if you’re just starting and you want to build a good credit history.
What do you think of the RCBC Bankard Flex Visa Rewards card? Are you happy with its rewards program? Do you think it will help you manage your expenses with its additional features? Let us know in the comment section below.