RCBC Bankard

Name

RCBC Bankard

Legal name

RCBC Bankard Services Corporation

Website

https://rcbcbankard.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Credit Card Services

NAICS

Credit Card Issuing (522210), Credit Card Issuing (52221), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Business / Corporate Credit Cards (FSAKABAF)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Commercial & Corporate Card Schemes (FSAMAAAF)

Keywords

• Credit card services
• Digital banking
• Consumer lending
• Payment solutions
• Financial inclusion

Headquarters

HQ city

Pasig

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Digital Banking Platforms: Revenue generated from digital banking platforms including DiskarTech, RCBC Pulz, and ATM Go showing strong five-year CAGR growth (111.26%, 50.88%, and 28.42% respectively)
2. Credit Card Operations: Credit card issuance and management including interchange fees, annual fees, and installment plan conversions through Visa and Mastercard partnerships
3. Digital Micro-Loans: Short-term credit products like SSS Loan Lite offered through DiskarTech targeting unbanked and underserved workers

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels3 records

Core offering

RCBC Bankard operates as the credit card and digital banking arm of Rizal Commercial Banking Corporation (RCBC), issuing a broad portfolio of consumer and corporate credit cards (Visa and Mastercard) and operating digital banking platforms (DiskarTech, RCBC Pulz, ATM Go). It also provides payment acceptance solutions for merchants and digital lending products including personal loans, salary loans, payday loans, and micro-loans targeting unbanked Filipino workers.

Product overview

RCBC Bankard operates as a credit card and digital banking arm of Rizal Commercial Banking Corporation (RCBC), offering a multi-platform digital banking ecosystem alongside a broad credit card portfolio. The product portfolio spans three core pillars: (1) Credit Cards — including Premium (Visa Infinite, Airmiles Visa Signature, Visa Platinum), Gold and Classic, Co-Branded (AirAsia), and Corporate cards with benefits such as installments, rewards, travel insurance, and airport lounge access; (2) Digital Banking Platforms — including DiskarTech (savings and micro-loans with 111% five-year CAGR), RCBC Pulz (credit card management app), and ATM Go (ATM/digital banking with 28% five-year CAGR); and (3) Payment Solutions and Digital Loans — including RCBC Tap-to-Phone, QR Pay (via QR Ph), Negosyo Bundle for SMEs, and digital loan products (Payday NOW, Salary Loan NOW, Digital Personal Loans, and SSS Loan Lite). RCBC is expanding cross-border banking through a partnership with US-based Meridian to introduce the country's first US virtual account offered by a private universal bank.

Differentiator

Problem solved

Functional benefit

Brands

• DiskarTech: Digital banking platform of RCBC reporting 45,097 percent surge in transaction volume and 10,362 percent increase in gross transaction value following October 2025 rollout of MySSS Mastercard-powered debit cards.
• RCBC Pulz
• ATM Go

Products and services

• RCBC Credit Cards Comprehensive portfolio of consumer and corporate credit cards issued under Visa and Mastercard networks, including Premium cards (Visa Infinite, Airmiles Visa Signature, Visa Platinum), Gold and Classic cards, Co-Branded cards (such as AirAsia), and Corporate cards, with benefits such as installment plans, rewards programs, travel insurance, and airport lounge access.
• RCBC Airmiles Visa Signature Card Premium travel-focused credit card with 1:1 airline mileage conversion, unlimited global airport lounge access, travel insurance up to PHP 20 million, 1.5% low foreign exchange conversion fee, and installment plans up to 36 months via the RCBC Pulz app, developed in partnership with Visa.
• RCBC Pulz Digital banking application enabling credit card management, installment conversions up to 36 months, and balance transfers for RCBC credit cardholders, moving to single-device access effective January 5, 2026.
• DiskarTech Digital financial inclusion banking platform offering regular savings accounts, micro-loans, and MySSS Mastercard-powered debit cards, with a reported five-year compound annual growth rate of 111.26% and serving unbanked and underserved Filipino workers.
• ATM Go ATM and digital banking service channel of RCBC reported with a five-year compound annual growth rate of 28.42%, supporting accessible banking services.
• RCBC Tap-to-Phone Contactless payment acceptance solution allowing merchants to accept card payments using an Android phone without the need for a separate POS terminal.
• QR Pay QR Ph-based digital payment solution enabling merchants to accept payments via QR codes, with PearlPay partnership expanding QR Ph adoption among local businesses and government units.
• Payday NOW Digital short-term loan product offered through the RCBC digital lending platform, accessible quickly via the credit card or digital app ecosystem for employed individuals.
• Salary Loan NOW Digital salary loan product available through RCBC's digital lending platform, designed for employed individuals seeking quick credit access.
• Digital Personal Loans Personal loans accessible digitally through RCBC's online lending platform as part of the bank's expansion of digital credit products.
• SSS Loan Lite Digital micro-loan product launched through partnership between RCBC and the Social Security System (SSS), accessible through the RCBC DiskarTech platform, enabling eligible SSS members to apply for and receive short-term credit instantly.
• Negosyo Bundle Bundled payment solution for small and medium enterprises providing business merchants with multiple payment acceptance options under one package.
• RCBC Pay Digital payment service offered within the RCBC credit card ecosystem for online transactions and merchant payments.

Quantifiable outcome

• DiskarTech Regular Savings Account posted 45,097% surge in transaction volume and 10,362% increase in gross transaction value following MySSS Mastercard rollout
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Social Security System (SSS)coreStrategic or Co-development Partner · 26 March 2026RCBC and SSS partnered to launch SSS Loan Lite, a digital micro-loan product accessible through the RCBC DiskarTech platform, enabling eligible SSS members to apply for and receive short-term credit instantly. The nationwide rollout targets millions of unbanked and underserved Filipino workers as an alternative to high-cost informal lenders.
• VisacoreTechnology or Integration · 26 March 2026RCBC developed the Airmiles Visa Signature credit card in partnership with Visa, featuring 1:1 airline mileage conversion rate, unlimited global airport lounge access, and travel insurance coverage of up to PHP 20 million.
• PearlPaycoreTechnology or Integration · 29 October 2025RCBC and PearlPay partnered to promote QR Ph digital payments targeting local businesses, government units, and small enterprises. The collaboration aims to increase digital payment adoption, reduce costs, and help small businesses access credit and growth opportunities.
• MeridiancoreStrategic or Co-development Partner · 1 January 2025RCBC partnered with US-based Meridian to introduce the country's first US virtual account offered by a private universal bank. This partnership expands RCBC's cross-border banking capabilities.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Metrobank Card Corporation: The credit card issuing arm of Metropolitan Bank & Trust Company, one of RCBC Bankard's largest direct competitors in the Philippine credit card market, operating across similar consumer and corporate card segments with parallel Visa/Mastercard portfolios.
• BPI (Bank of the Philippine Islands): A major Philippine universal bank with its own credit card and digital banking operations, competing head-to-head with RCBC Bankard for consumer cards, premium travel cards, and digital deposit growth.
• EastWest Bank: A Philippine universal bank with a significant credit card franchise and EastWest Paymate digital banking app, competing directly in retail cards, installment plans, and digital wallet offerings.
• UnionBank of the Philippines: A digitally aggressive Philippine universal bank with strong retail card and app-based banking offerings, competing for the same high-value customer segments as RCBC Bankard and also part of the Google Pay launch cohort.
• China Banking Corporation: A Philippine universal bank offering its own credit card portfolio and digital banking services. China Bank was also part of the Google Pay launch cohort alongside RCBC, making it a directly comparable mid-tier card issuer.

Broad incumbents

• BDO Unibank: The Philippines' largest bank by assets, with its own credit card and digital banking operations. While much broader than RCBC Bankard, BDO's card business is the most direct scale competitor in the Philippine market.

Emerging players

• GCash (Mynt): The Philippines' leading e-wallet and a co-launch partner with RCBC in Google Pay. It competes directly with DiskarTech for digital financial inclusion and unbanked customer acquisition, while also encroaching on card-linked payment flows.
• Maya Bank: A fast-growing Philippine digital bank offering cards, payments, savings and crypto. Maya overlaps directly with RCBC Pulz and DiskarTech for digital-native consumers and small businesses.

Regional players

• HSBC Philippines: The Philippine arm of a global universal bank offering premium credit cards and wealth services. It competes with RCBC Bankard for premium and travel-focused cardholders, though from a regional rather than domestic origination footprint.

Others

• Visa Inc. Although not a direct competitor, Visa is RCBC Bankard's core card network partner and the most important ecosystem counterparty for the Airmiles Visa Signature and other premium card offerings, with scheme economics directly shaping issuer profitability.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/RCBCBankard

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RCBC Bankard