AirAsia Credit Card Table of Fees & Charges

Membership Fee Principal P200/month
Membership Fee Supplementary P100/month
Monthly Interest Rate/ Retail Monthly Effective Interest Rate 3.50% / 3.55%
Cash Advance Monthly Effective Interest Rate 3.56%
Returned Check Fee P1,000
Invoice Retrieval Fee P150
Card Replacement Fee P300
Cash Advance Fee 3% or P500, and an interest charge at the prevailing rate which will be computed from availment date until full payment date.
Late Payment Fee P400; in cases of multiple past due occurrences exceeding 3 months for the past 12 months: P500 (4 to 6 months) or P600 (7 months and above)
Installment Pre-Termination Fee 5% of the unpaid principal amount or P500, whichever is higher
Quasi-Cash Fee (for products like money transfer, prepaid card/virtual account loading, tax payments, securities investments, etc.) 1% of the amount transacted
Gaming/Casino Service Fee 5% of every transaction or P1,000, whichever is higher
Cash Loan and C.H.A.R.G.E Processing Fee P150 for credit to an RCBC or RCBC Savings Bank account; P250 for deposit to other Banks; P250 for cheque delivery.
Service Fee for Foreign Currency Transactions 3.50% representing the Mastercard/Visa/JCB/UnionPay assessment fees and the Bank’s service fee. For foreign currency transactions converted to Philippine Peso at point of sale, whether executed in the Philippines, abroad or online, a service fee of 2.25% shall be applied to transactions amounting to P1,000 and up, or its foreign currency equivalent.
Multiple Payment Fee P40 for every payment in excess of 3 payments within a statement cycle in non-RCBC payment channels: Bancnet, BDO, BPI, CIS Bayad Center, SM Payment Center, Unionbank
Dormancy Fee P200 per month to be charged to: a) active accounts with negative balance and no activity for 24 months, b) blocked/closed accounts with negative balance and no activity for 3 months
Over Limit Fee P500 to be charged on cycle day when the outstanding balance plus unbilled Installment exceeds the permanent credit limit by more than P 1,000 on cycle day.
Minimum Amount Due The sum of (a) 5% of Total Amount Due or P500, whichever is higher; (b) Past Due Amount (if any); (c) Current Late Charges; and (d) Over-Limit Amount
If you pay any amount less than the Closing Balance/Total Amount Due or make a cash advance transaction, finance charge at prevailing interest rates will be computed on the Daily Outstanding Balance of your account (including any fixed monthly installment amount/s) from the date of the transactions until the end of the current statement period. Interest rates are quoted based on 30-day period.

IMPORTANT: These Fees and Charges are applied and charged by RCBC Bankard to the Cardholder and are strictly subject to RCBC Bankard’s terms and conditions. AirAsia assumes no responsibility and disclaims all liability in respect of such Fees and Charges applied by RCBC Bankard and shall not be responsible or liable for any dispute, challenge, damage, loss (including but not limited to direct, indirect and consequential loss), liability, injury or disappointment incurred or suffered by the Cardholders in connection with the same.