Credit Cards by RCBC
Have the power to choose what you want with RCBC credit cards. Every offering from RCBC allows you to tailor-fit your cards to your needs, whether it’s for shopping, dining, traveling, or other personal interests.
Fond of co-branded cards? RCBC has one of the most number of co-branded cards that include multiple partners per category such as malls, in-store and online retail stores, fuel companies, and airlines.
The flexibility to choose extends to reward points with features that let you assign the categories that will get accelerated points. If you like this kind of empowerment, start your RCBC credit card application online today with Moneymax!
RCBC Black Card Platinum Mastercard
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 3,600 per year
Things to consider for this product:
Online shopping points
High income requirement
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Quick Facts
Offer Details
- Non-expiring reward points.
- Free Travel Insurance up to ₱1,000,000.
- Free Purchase Protection up to P50,000.
- Free access to Marhaba/Skyview Lounge at NAIA Terminal 3.
- 0% installment for your purchases abroad.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Eligibility :
Minimum Age: 65 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 1200000
Landline Required: Required
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RCBC Visa Infinite
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 3,600 per year
Things to consider for this product:
High income requirement
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Quick Facts
Offer Details
- Earn reward points for as low as ₱36 per spend.
- Get 5% rebate at any local or international clothing shops.
- Free travel insurance up to ₱1 million along with other travel perks.
- Free-for-life supplementary cards for up to nine cardholders.
- Ideal for: cardholders who love to shop and travel.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 3600000
Landline Required: Required
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RCBC Classic Mastercard
Min. Annual Income
info ₱15,000 Monthly
Interest Rate
Annual Fee
₱ 1,500 per year
Things to consider for this product:
Free reward points
Good for beginners
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Quick Facts
Offer Details
- Earn reward points for as low as ₱36 per spend
- Convert your points to air miles and other rewards
- Free travel insurance and purchase protection
- Free budget monitoring tools to keep your finances in check
- Ideal for: money-savvy cardholders and frequent flyers
Terms and Conditions :
Step to Apply :
Credit card requirement: Required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 180000
Landline requirement: Required
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RCBC Landmark Anson's Mastercard
Min. Annual Income
info ₱15,000 Monthly
Monthly Effective Interest Rate
Annual Fee
₱ 960 per year
Things to consider for this product:
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Quick Facts
Offer Details
- Get 5% rebate on straight purchases every weekday at Landmark and Anson’s
- Earn 1 reward point for every ₱50 spend at Landmark and Anson’s
- Exchange points for exclusive gift certificates or cash credit
- Enjoy exclusive travel privileges when you travel overseas
- Ideal for: cardholders who frequent Landmark and Anson’s stores
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
- Government-issued ID
- Signed Certificate of Employment
- Proof of income
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 180000
Landline Required: Required
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RCBC YGC Rewards Plus Platinum Mastercard
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 3,600 per year
info ₱3,600 for Platinum Mastercard, ₱3,000 for Gold Visa, ₱1,500 for Classic Visa.
Things to consider for this product:
Good for beginners
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Quick Facts
Offer Details
- Earn points for every RCBC bank deposit or Malayan insurance payment.
- Earn one reward point for as low as ₱36 per spend.
- Enjoy exclusive travel perks when you travel overseas.
- Access free budgeting tools to help track your finances.
- Ideal for: money-savvy and high-earning cardholders.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 230000
Landline Required: Required
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RCBC Flex Visa
Min. Annual Income
info ₱15,000 Monthly
Interest Rate
Annual Fee
₱ 1,500 per year
Things to consider for this product:
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Quick Facts
Offer Details
- Earn 2x rewards points on two preferred categories
- Change your preferred categories once every billing cycle
- Exchange your rewards points for shopping vouchers or redeem as cash rebates
- With free travel insurance (Travel Plus Lite) and purchase protection
- Get access to the Marhaba/Skyview Airport Lounge
- Ideal for: shoppers who want financial flexibility
Terms and Conditions :
Step to Apply :
Credit card requirement: Required
Required Documents :
Regular Employee
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Signed Certificate of Employment
- Proof of income
Self-Employed
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Audited Financial Statements
- Business registration/permits
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 180000
Landline requirement: Required
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RCBC World Mastercard
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 3,600 per year
Things to consider for this product:
High income requirement
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Quick Facts
Offer Details
- Earn reward points for as low as ₱36 per spend.
- Enjoy exclusive deals with Mastercard Moments.
- Free travel insurance and purchase protection.
- Free supplementary cards up to nine cardholders.
- Ideal for: shopaholics and travel enthusiasts.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 3600000
Landline Required: Required
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RCBC Zalora Credit Card
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 4,000 per year
Things to consider for this product:
Online shopping points
Online shopping rebate
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Quick Facts
Offer Details
- Free ₱5,000 shopping credits when you spend ₱30,000 as a single or accumulated purchase within 60 days from card issuance.
- Up to 6% cash back on online Zalora purchases and up to 2% on other online spend.
- Earn 1 reward point for every ₱50 spend.
- Enjoy unlimited free shipping via ZNOW.
- Free travel insurance up to ₱500,000 and purchase protection up to ₱50,000.
- Ideal for: Zalora shoppers and online shopping aficionados.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Signed Certificate of Employment
- Proof of income
Self-Employed
- Valid TIN / SSS / GSIS or UMID number
- Audited Financial Statements
- Business registration/permits
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 300000
Landline Required: Required
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AirAsia Credit Card
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 3,600 per year
info Monthly charge of ₱300
Things to consider for this product:
Bonus air miles
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Quick Facts
Offer Details
- Free 8,000 AirAsia BIG points when you spend ₱20,000 within 60 days of issuance.
- Earn two (2) AirAsia BIG points for every ₱25 AirAsia spend.
- Earn one (1) AirAsia BIG point for every ₱28 domestic retail spend.
- Earn one (1) AirAsia BIG point for every ₱22 international retail spend.
- Get access to airport lounges and other travel perks.
- Ideal for: frequent international travelers and premium seekers.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 70 years old
Min. Annual Income: ₱ 250000
Landline Required: Not required
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RCBC Visa Platinum
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 5,000 per year
Things to consider for this product:
Bonus air miles
High income requirement
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Quick Facts
Offer Details
- Earn one (1) Preferred Air Mile for as low as ₱25 per spend.
- Up to 100% temporary increase in credit limit during travel period.
- Free travel insurance up to ₱5 million and other travel perks.
- Get complimentary Priority Pass membership worldwide.
- Ideal for: VIP travelers and premium seekers.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 1200000
Landline Required: Required
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RCBC Flex Gold Visa
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 3,000 per year
Things to consider for this product:
Free reward points
High income requirement
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Quick Facts
Offer Details
- Earn 2x rewards points on three preferred categories.
- Change your preferred categories once every billing cycle.
- Exchange your rewards points for shopping vouchers or redeem as cash rebates.
- With free travel insurance (Travel Plus Lite) and purchase protection.
- Get access to the Marhaba/Skyview Airport Lounge.
- Ideal for: millennials who are leveling up in life.
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Required Documents :
Regular Employee
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Signed Certificate of Employment
- Proof of income
Self-Employed
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Audited Financial Statements
- Business registration/permits
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 600000
Landline Required: Required
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RCBC Diamond Card Platinum Mastercard
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 2,500 per year
Things to consider for this product:
Free reward points
High income requirement
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Quick Facts
Offer Details
- Automatically donate ₱0.10 for every ₱100 spend
- Earn one reward point for as low as ₱36 per spend
- Get free travel insurance up to ₱1 million for every trip
- Enjoy free access to exclusive airport lounges
- Ideal for: cardholders willing to support a worthy cause
Terms and Conditions :
Step to Apply :
Credit Card Required : Not required
Eligibility :
Min. Annual Income: ₱ 1200000
Landline Required : Required
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RCBC JCB Classic
Min. Annual Income
info ₱15,000 Monthly
Interest Rate
Annual Fee
₱ 1,500 per year
Things to consider for this product:
Free reward points
Good for beginners
expand_more Card Details Less Details more_horiz
Quick Facts
Offer Details
- Earn one (1) reward point for every ₱36 spend
- Earn one (1) reward point for every ₱125 supermarket, drugstore, or gas station spend
- Free travel insurance and purchase protection up to ₱50,000
- Free budget monitoring tools to keep your finances in check
- Ideal for: money-savvy cardholders and first-time cardholders
Terms and Conditions :
Step to Apply :
Credit card requirement: Required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 180000
Landline requirement: Required
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RCBC Unionpay Diamond Card
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 3,000 per year
Things to consider for this product:
Free reward points
Bonus air miles
High income requirement
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Quick Facts
Offer Details
- Earn one (1) reward point for every ₱50 spend.
- Earn one (1) reward point for every ₱125 supermarket, drugstore, or gas station spend.
- Earn 2x reward points for every hotel and dining spend in China.
- Earn one (1) air mile for every ₱125 spend.
- Free travel insurance up to ₱500,000.
- Ideal for: frequent travelers, especially to China.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 1200000
Landline Required: Required
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RCBC Gold Mastercard
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 3,000 per year
Things to consider for this product:
Free reward points
High income requirement
Credit card required
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Quick Facts
Offer Details
- Apply now until December 31, 2022, and spend at least ₱18,000 within 60 days from card delivery to receive free ₱3,000 SSI shopping e-vouchers.
- Earn reward points for as low as ₱36 per spend.
- Exchange your points to air miles and other rewards.
- Free travel insurance and purchase protection for every travel.
- Access free budget monitoring tools to help organize your finances.
- Ideal for: money-savvy cardholders and frequent flyers.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Required Documents :
Regular Employee
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Active landline / mobile phone number
- Signed Certificate of Employment
- Proof of income
Self-Employed
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Active landline / mobile phone number
- Audited Financial Statements
- Business registration/permits
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 600000
Landline Required: Required
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RCBC Mango Mastercard
Min. Annual Income
info ₱15,000 Monthly
Monthly Effective Interest Rate
Annual Fee
₱ 1,200 per year
Things to consider for this product:
Online shopping points
expand_more Card Details Less Details more_horiz
Quick Facts
Offer Details
- Earn non-expiring points and exchange them for vouchers
- Enjoy 0% installment of up to 6 months at Mango stores
- Get priority access to next season’s catalog offers
- Get exclusive access to Mango VIP Sale events
- Ideal for: fashionistas who love shopping at Mango
Terms and Conditions :
Step to Apply :
Credit Card Required: Required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 180000
Landline Required: Required
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RCBC JCB Platinum
Min. Annual Income
Monthly Effective Interest Rate
Annual Fee
₱ 3,600 per year
Things to consider for this product:
Free reward points
High income requirement
expand_more Card Details Less Details more_horiz
Quick Facts
Offer Details
- Earn reward points for as low as ₱25 per spend.
- Access to world-class travel benefits and offers.
- Free travel insurance of up to ₱1 million for every trip.
- Free access to the Marhaba/Skyview Airport Lounge.
- Ideal for: frequent travelers locally and internationally.
Terms and Conditions :
Step to Apply :
Credit Card Required: Not required
Eligibility :
Minimum Age: 21 years old
Maximum Age: 65 years old
Min. Annual Income: ₱ 1200000
Landline Required: Required
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Quick Facts
Offer Details
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Why choose an RCBC credit card?
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If you think you can’t find a credit card related to your interests, think again. RCBC credit cards have more than enough options for you to choose from, even including obscure features and partner brands.
For perks, auto donations to charities while using your card and access to innovative financial management tools to help balance your daily budget are available. For partner brands, there are lots to choose from, including establishments like Sta. Lucia Mall and Zalora.
Accelerated reward points, rebates, air miles, installment plans, and other popular features are still included, depending on your card of choice. Read on below for more features from RCBC credit cards:
- No Annual Fee on the First Year - Want to familiarize yourself with your credit card’s features without thinking of your card bills? RCBC credit cards give you ample time to get to know your credit card without thinking of pesky fees by scrapping the annual fees on your first year.
- Flexible and Accelerated Reward Points - Earn your rewards your way with RCBC rewards. Expect accelerated reward points and a flexible rewards program from RCBC credit cards like the RCBC Flex Visa and the RCBC Flex Gold Visa with their 2x reward points for up to three categories of your choice. Want to change your categories? No problem! You can modify your choice after every billing cycle.
- Convert Straight Purchases to Installment - RCBC credit cards help you stretch your budget to buy high-ticket purchases through their installment plans. Convert your straight purchases anywhere in the world to installment plans as many times as you want and pay up to 36 months with a minimal interest rate. If you don’t like the added interest rate, try UNLI 0%, an installment plan with 0% interest payable in 3 months.
- Unique Credit Cards - With RCBC’s vast number of credit cards, you’re bound to encounter one unique card or two that fit your lifestyle. Here are a couple of perks to expect:
- Automatic donation to a charity of your choice whenever you swipe
- Earn reward points for your Malayan insurance payments
- Earn more reward points when you use your card in Japan and China
- Exclusive perks and freebies from partner establishments
- Multiple Co-Branded Cards - If you prefer co-branded credit cards, you’ll have more than enough options with RCBC’s catalog. RCBC co-branded cards have partnerships with malls, gas stations, airlines, and retail stores both online and in-store.
- Budget Management Tools - Budgeting takes time and can be tedious, so adding a credit card might mean additional work for your budget. RCBC credit cards will automate your credit card budgeting with its easy finance management tools:
- Spend Monitor - real-time SMS on both your spending and your supplementary cardholders
- Spend Analyzer - a one-shot glance of your card transactions in categories that eliminates manual budgeting and serves as a guide for your budget next month
Who can apply for an RCBC credit card?
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Employed and self-employed Filipinos residing in the Philippines can apply for any RCBC credit card as long as they fit the following criteria:
- Must be at least 21-65 years old
- Must be a Filipino with local residence
- Must have an active mobile number and office landline
What are the requirements to apply for an RCBC credit card?
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You only need a few documents to apply and get approved for an RCBC credit card. Documents differ depending on your employment status as seen below:
RCBC Credit Card Requirements for Employed:
- 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
- Any of the following:
- Latest ITR and/or W2 with BIR or Bank Stamp
- Original Certificate of Employment in the last 6 months signed by authorized HR and includes your annual income details
- Latest payslip with your monthly salary
- Latest bank statement showing the current month’s salary credit
RCBC Credit Card Requirements for Self-Employed or Entrepreneurs:
- 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
- Latest ITR and/or W2 with BIR or Bank Stamp
- Latest Audited Financial Statement (AFS) duly stamped as received by the BIR
- Latest bank statement with your cash credits/sales receipt for the month
