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

RCBC Black Card Platinum Mastercard

Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,600  per year

Things to consider for this product:

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Shopping points

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Online shopping points

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Travel insurance

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High income requirement

RCBC Visa Infinite

RCBC Visa Infinite

Min. Annual Income
₱ 3,600,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,600  per year

Things to consider for this product:

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No-brainer rebate

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Retail rebate

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Travel insurance

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High income requirement

RCBC Classic Mastercard

RCBC Classic Mastercard

Min. Annual Income
₱ 180,000
info
Interest Rate
3  %
Annual Fee
₱ 1,500  per year

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

check

Good for beginners

RCBC Landmark Anson's Mastercard

RCBC Landmark Anson's Mastercard

Min. Annual Income
₱ 180,000
info
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 960  per year

Things to consider for this product:

check

No-brainer rebate

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Supermarket rebate

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Installment

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Exclusive discounts

RCBC YGC Rewards Plus Platinum Mastercard

RCBC YGC Rewards Plus Platinum Mastercard

Min. Annual Income
₱ 230,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,600  per year
info

Things to consider for this product:

check

Shopping points

check

Airport lounge

check

Exclusive discounts

check

Good for beginners

RCBC Flex Visa

RCBC Flex Visa

Min. Annual Income
₱ 180,000
info
Interest Rate
3  %
Annual Fee
₱ 1,500  per year

Things to consider for this product:

check

Dining points

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Shopping points

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Travel insurance

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Airport lounge

RCBC World Mastercard

RCBC World Mastercard

Min. Annual Income
₱ 3,600,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,600  per year

Things to consider for this product:

check

Shopping points

check

Travel insurance

check

Airport lounge

remove

High income requirement

RCBC Zalora Credit Card

RCBC Zalora Credit Card

Min. Annual Income
₱ 300,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 4,000  per year

Things to consider for this product:

check

Online shopping points

check

Online shopping rebate

check

Travel insurance

check

Exclusive discounts

AirAsia Credit Card

AirAsia Credit Card

Min. Annual Income
₱ 250,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,600  per year
info

Things to consider for this product:

check

Travel points

check

Bonus air miles

check

Airport lounge

check

Exclusive discounts

RCBC Visa Platinum

RCBC Visa Platinum

Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 5,000  per year

Things to consider for this product:

check

Bonus air miles

check

Travel insurance

check

Airport lounge

remove

High income requirement

RCBC Flex Gold Visa

RCBC Flex Gold Visa

Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,000  per year

Things to consider for this product:

check

Airport lounge

check

Travel insurance

check

Free reward points

remove

High income requirement

RCBC Diamond Card Platinum Mastercard

RCBC Diamond Card Platinum Mastercard

Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 2,500  per year

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

remove

High income requirement

RCBC JCB Classic

RCBC JCB Classic

Min. Annual Income
₱ 180,000
info
Interest Rate
3  %
Annual Fee
₱ 1,500  per year

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Exclusive discounts

check

Good for beginners

RCBC Unionpay Diamond Card

RCBC Unionpay Diamond Card

Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,000  per year

Things to consider for this product:

check

Free reward points

check

Bonus air miles

check

Travel insurance

remove

High income requirement

RCBC Gold Mastercard

RCBC Gold Mastercard

Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,000  per year

Things to consider for this product:

check

Free reward points

check

Travel insurance

remove

High income requirement

remove

Credit card required

RCBC Mango Mastercard

RCBC Mango Mastercard

Min. Annual Income
₱ 180,000
info
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 1,200  per year

Things to consider for this product:

check

Shopping points

check

Installment

check

Exclusive discounts

check

Online shopping points

RCBC JCB Platinum

RCBC JCB Platinum

Min. Annual Income
₱ 1,200,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,600  per year

Things to consider for this product:

check

Free reward points

check

Travel insurance

check

Airport lounge

remove

High income requirement

Need some help?

No worries, we've got you covered!

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

DISCLAIMER: Moneymax strives to keep its article information accurate and up to date. The information you read may be different from what you see when you visit a partner, provider, or financial institution’s website. All information we publish is presented without warranty and may change over time. If you find discrepancies or outdated information, please contact Moneymax directly.

 

With the exception of any articles published in partnership with named providers, opinions expressed in our articles are the author's alone, not those of any product provider, and have not been reviewed, approved or otherwise endorsed by any of the providers.

 

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