In 2025, Rizal Commercial Banking Corporation (RCBC) emerges as a compelling choice for Filipinos seeking credit cards that align with their evolving lifestyles. As the sixth-largest bank in the Philippines, RCBC’s total assets reached ₱1.4 trillion by the end of 2024. Its credit card receivables grew by 48%, the number of active cards increased by 21%, and billings climbed by 41%.
Needless to say, RCBC is a go-to bank for Filipinos looking for rewarding credit cards. Let’s look closer at their card products.
RCBC Credit Cards Features, Annual Fees, and Minimum Income Requirements
If you’re looking for rewards, cashback, and travel perks such as lounge access or travel insurance, you cannot go wrong with RCBC credit cards.
Let’s check them one by one.
- RCBC Credit Cards Features, Annual Fees, and Minimum Income Requirements
- RCBC Credit Cards Comparison Table
- How to Choose the Right RCBC Credit Card
- RCBC Rewards Points Converter
- RCBC Rewards to Cash Converter
- RCBC Rewards to Miles Converter
- How to Apply for an RCBC Credit Card
- RCBC Credit Cards Minimum Income Requirement
- Frequently Asked Questions (FAQs)
Benefits
- 5 points = ₱30 international spend
- 3 points = ₱30 local spend
- 1 point = ₱30 service merchant purchases
- 1 point = ₱250 utility bills payment
- 100,000 welcome rewards points
- 20,000 bonus reward for Php 1M spending in 12 months and full AF payment
- Airport lounge access
- Complimentary Priority Pass
- Complimentary travel insurance
- E-commerce purchase protection
- 24/7 Visa Concierge Service
- Hotel and travel privileges
Eligibility
Minimum income:
₱2,000,000 per year
Annual Fee:
Principal: ₱6,000
Supplementary: ₱3,000
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱25 international spend
- 1 point = ₱48 local spend
- 1 point = ₱125 service merchant purchases
- 1 point = ₱250 utility bills payment
- Airport lounge access
- Complimentary Priority Pass
- Travel insurance of up to ₱5M
- E-commerce purchase protection
- 24/7 Visa Concierge Service
Eligibility
Minimum income:
₱1,000,000 per year
Annual Fee:
Principal: ₱5,000
Supplementary: ₱2,500
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱10 international spend
- 1 point = ₱30 local spend
- 1 point = ₱30 utility bills payment
- Airport lounge access
- Complimentary Priority Pass
- Free travel insurance
- Mastercard Travel & Lifestyle Services
Eligibility
Minimum income:
₱2,000,000 per year
Annual Fee:
Principal: ₱6,000
Supplementary: NAFFL
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱25 retail spend in Japan
- 1 point = ₱36 local spend on discretionary merchants
- 1 point = ₱125 service merchant purchases
- 1 point = ₱250 utility bills payment
- Airport lounge access including JCB Plaza Lounges in Japan
- Travel insurance of up to ₱1M
Eligibility
Minimum income:
₱1,000,000 per year
Annual Fee:
Principal: ₱3,600
Supplementary: NAFFL
Forex Fee:
3.5% or 2.25%
Benefits
- 2 points = ₱50 spend on dining & hotel in China and Hong Kong
- 1 point = ₱50 spend on discretionary merchants
- 1 point = ₱125 spend on service merchants
- 1 point = ₱250 utility bills payment
- Airport lounge access
- Free travel insurance
- Access to U Collection offers
Eligibility
Minimum income:
₱1,000,000 per year
Annual Fee:
Principal: ₱3,000
Supplementary: NAFFL
Forex Fee:
3.5% or 2.25%
Benefits
- 2 AirAsia points = ₱25 AirAsia purchase
- 1 AirAsia point = ₱22 international spend
- 1 AirAsia point = ₱28 local spend
- 300 AirAsia bonus points after spending ₱30,000 a month
- 10,000 AirAsia welcome gift points after spending ₱20,000 within 60 days
- Priority check-in, priority boarding, and Xpress baggage for you and your companion
Eligibility
Minimum income:
₱180,000 per year
Annual Fee:
Principal: ₱3,600
Supplementary: ₱1,800
Forex Fee:
2.50%
Benefits
- 2 AirAsia points = ₱25 AirAsia purchase
- 1 AirAsia point = ₱22 international spend
- 1 AirAsia point = ₱28 local spend
- 500 AirAsia bonus points after spending ₱50,000 a month
- 15,000 AirAsia welcome gift points after spending ₱40,000 within 60 days
- Airport lounge access
- Travel insurance of up to ₱5M
- Low forex conversion fee
- Priority check-in, priority boarding, and Xpress baggage for you and your companion
- Visa Concierge Service
Eligibility
Minimum income:
₱1,000,000 per year
Annual Fee:
Principal: ₱4,800
Supplementary: ₱2,400
Forex Fee:
1.85%
Benefits
- 6% cashback on ZALORA purchases
- 2% cashback for non-ZALORA purchases if monthly spending exceeds ₱10,000
- 1% cashback for non-ZALORA purchases if monthly spending is less than ₱10,000
- 1 point = ₱50 non-ZALORA non-online spend
- Free ₱5,000 shopping credits as welcome gift (₱30k spend requirement in 60 days)
- One year free shipping with ZNOW
Eligibility
Minimum income:
₱250,000 per year
Annual Fee:
Principal: ₱4,000
Supplementary: ₱2,000
Forex Fee:
3.5% or 2.25%
Benefits
- 3% rebate on Landmark and Anson’s straight purchases every Monday to Friday
- 1 point = ₱50 Landmark and Anson’s spend
- 1 point = ₱83.33 spend (except Landmark, Anson’s, and bills)
- 1 point = ₱250 utility bills payment
Eligibility
Minimum income:
₱180,000 per year
Annual Fee:
Principal: ₱960
Supplementary: ₱480
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱36 spend on discretionary merchants
- 1 point = ₱125 spend on service merchants
- 1 point = ₱250 utility bills payment
- Airport lounge access
- Complimentary travel insurance
- E-commerce Purchase Protection
Eligibility
Minimum income:
₱1,000,000 per year
Annual Fee:
Principal: ₱3,600
Supplementary: NAFFL
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱50 spend on discretionary merchants
- 1 point = ₱125 spend on service merchants
- 1 point = ₱250 utility bills payment
- ₱0.10 charity donation for every Php100 purchase
- Airport lounge access
- Travel insurance of up to ₱1M
- E-commerce Purchase Protection
Eligibility
Minimum income:
₱1,000,000 per year
Annual Fee:
Principal: ₱2,500
Supplementary: NAFFL
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱10 international spend
- 1 point = ₱30 local spend and utility bills payment
- Airport lounge access
- Complimentary Priority Pass
- Free travel insurance
- E-commerce purchase protection
- Mastercard Travel & Lifestyle Services
- Exclusive to RCBC Hexagon Club Priority members
Eligibility
Minimum income:
Must have an RCBC Checking or Savings account with at least ₱1,000,000
Membership Fee:
Principal: NAFFL
Supplementary: NAFFL
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱36 spend on discretionary merchants
- 1 point = ₱125 spend on service merchants
- 1 point = ₱250 utility bills payment
- Airport lounge access
- Free travel insurance
- E-commerce purchase protection
- Exclusive to RCBC Hexagon Club Privilege members
Eligibility
Minimum income:
Must have an RCBC Checking or Savings account with at least ₱100,000
Membership Fee:
Principal: NAFFL
Supplementary: NAFFL
Forex Fee:
3.5% or 2.25%
Benefits
- 2 points = ₱50 spend on travel, department store, and household appliances or ₱125 spend on supermarket and gas (choose 3 categories only)
- 1 point = ₱50 spend on other non-service merchants
- 1 point = ₱125 spend on service merchants
- 1 point = ₱250 utility bills payment
- Free travel insurance
Eligibility
Minimum income:
₱500,000 per year
Annual Fee:
Principal: ₱3,000
Supplementary: ₱1,500
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱36 spend on discretionary merchants
- 1 point = ₱125 spend on service merchants
- 1 point = ₱250 utility bills payment
- Free travel insurance
- E-commerce purchase protection
Eligibility
Minimum income:
₱500,000 per year
Annual Fee:
Principal: ₱3,000
Supplementary: ₱1,500
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱36 spend on discretionary merchants
- 1 point = ₱125 spend on non-discretionary and service merchants
- 1 point = ₱250 utility bills payment
- Airport lounge access
- Free travel insurance
Eligibility
Minimum income:
₱250,000 per year
Annual Fee:
Principal: ₱3,600
Supplementary: NAFFL
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱36 spend on discretionary merchants
- 1 point = ₱125 spend on non-discretionary and service merchants
- 1 point = ₱250 utility bills payment
- Free travel insurance
Eligibility
Minimum income:
₱500,000 per year
Annual Fee:
Principal: ₱3,000
Supplementary: ₱1,500
Forex Fee:
3.5% or 2.25%
Benefits
- 2 points = ₱50 spend on dining, travel, clothing, and transportation (choose 2 categories only)
- 1 point = ₱50 spend on other non-service merchants
- 1 point = ₱125 spend on service merchants
- 1 point = ₱250 utility bills payment
- Free travel insurance
Eligibility
Minimum income:
₱180,000 per year
Annual Fee:
Principal: ₱1,500
Supplementary: ₱750
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱36 spend on discretionary merchants
- 1 point = ₱125 spend on non-discretionary and service merchants
- 1 point = ₱250 utility bills payment
- Free travel insurance
Eligibility
Minimum income:
₱180,000 per year
Annual Fee:
Principal: ₱1,500
Supplementary: ₱750
Forex Fee:
3.5% or 2.25%
Benefits
- 1 point = ₱36 spend on discretionary merchants
- 1 point = ₱125 spend on service merchants
- 1 point = ₱250 utility bills payment
- Free travel insurance
Eligibility
Minimum income:
₱180,000 per year
Annual Fee:
Principal: ₱1,500
Supplementary: ₱750
Forex Fee:
3.5% or 2.25%
Still undecided? You can also explore our interactive comparison table where you can filter cards by features — like cashback, rewards, travel insurance, and even those with waived annual fees.
Let’s say you’re only interested in cards with lounge access or no annual fee for life (NAFFL)? Just use the dropdown to filter cards instantly.
RCBC Credit Cards Comparison Table
| Credit Card | Rewards | Cashback | Lounge Access | Travel Insurance | Annual Fee | 1st Supplementary | Forex Fee |
|---|---|---|---|---|---|---|---|
| RCBC Visa Infinite Card | ✅ | ❌ | ✅ | ✅ | ₱6000 | ₱3000 | 3.5% or 2.25% |
| RCBC Visa Platinum | ✅ | ❌ | ✅ | ✅ | ₱5000 | ₱2500 | 3.5% or 2.25% |
| RCBC World Mastercard | ✅ | ❌ | ✅ | ✅ | ₱6000 | NAFFL | 3.5% or 2.25% |
| RCBC Black Card Platinum Mastercard | ✅ | ❌ | ✅ | ✅ | ₱3600 | NAFFL | 3.5% or 2.25% |
| RCBC Diamond Card Platinum Mastercard | ✅ | ❌ | ✅ | ✅ | ₱2500 | NAFFL | 3.5% or 2.25% |
| RCBC JCB Platinum | ✅ | ❌ | ✅ | ✅ | ₱3600 | NAFFL | 3.5% or 2.25% |
| RCBC Hexagon Priority/Hexagon Club | ✅ | ❌ | ✅ | ✅ | NAFFL | NAFFL | 3.5% or 2.25% |
| RCBC UnionPay Diamond Card | ✅ | ❌ | ✅ | ✅ | ₱3000 | NAFFL | 3.5% or 2.25% |
| RCBC Flex Gold Visa | ✅ | ❌ | ❌ | ✅ | ₱3000 | ₱1500 | 3.5% or 2.25% |
| RCBC Gold Mastercard® | ✅ | ❌ | ❌ | ✅ | ₱3000 | ₱1500 | 3.5% or 2.25% |
| RCBC YGC Rewards Plus Black Platinum | ✅ | ❌ | ✅ | ✅ | ₱3600 | NAFFL | 3.5% or 2.25% |
| RCBC YGC Rewards Plus Visa Gold | ✅ | ❌ | ❌ | ✅ | ₱3000 | ₱1500 | 3.5% or 2.25% |
| RCBC YGC Rewards Plus Visa Classic | ✅ | ❌ | ❌ | ✅ | ₱1500 | ₱750 | 3.5% or 2.25% |
| RCBC Gold JCB | ✅ | ❌ | ❌ | ✅ | ₱3000 | ₱1500 | 3.5% or 2.25% |
| RCBC Flex Visa | ✅ | ❌ | ❌ | ✅ | ₱1500 | ₱750 | 3.5% or 2.25% |
| RCBC Classic Mastercard® | ✅ | ❌ | ❌ | ✅ | ₱1500 | ₱750 | 3.5% or 2.25% |
| RCBC Classic JCB | ✅ | ❌ | ❌ | ✅ | ₱1500 | ₱750 | 3.5% or 2.25% |
| RCBC ZALORA Credit Card | ✅ | ❌ | ❌ | ✅ | ₱4000 | ₱2000 | 3.5% or 2.25% |
| RCBC AirAsia Credit Card | ✅ | ❌ | ❌ | ❌ | ₱3600 | ₱1800 | 2.5% |
| RCBC AirAsia Platinum Credit Card | ✅ | ❌ | ✅ | ✅ | ₱4800 | ₱2400 | 1.85% |
| RCBC Landmark Anson’s Mastercard | ✅ | ✅ | ❌ | ❌ | ₱960 | ₱480 | 3.5% or 2.25% |
How to Choose the Right RCBC Credit Card
Selecting the ideal credit card depends on your spending habits and financial goals.
- For Rewards: If you frequently shop or dine out, you can choose between RCBC Flex Visa or Flex Gold Visa for doubled rewards, and RCBC World Mastercard for utility bills payments.
- For Cashback: Households and shoppers will benefit from the RCBC Landmark Anson’s Mastercard for shopping and grocery rebates
- For Travel: RCBC Visa Infinite Card, RCBC Visa Platinum, and RCBC World Mastercard are designed for frequent travelers.
- For Beginners: First-time users might find the RCBC Flex Visa appealing because it’s low annual fee and doubled rewards system.
RCBC Rewards Points Converter
Skip guessing how much your RCBC points are really worth in cash. Use the RCBC Rewards to Cash and Rewards to Miles Converter to know the best offer you can get with your current points.
Note that RCBC has the same conversion rate regardless of the card you have. The minimum cash amount you can redeem is Php500 which is equivalent to 3,300 points.
For Rewards to Miles conversion, RCBC applies the same conversion rate of 1 rewards point = 1 mileage point for all its cards except for Visa Platinum. RCBC Visa Platinum earns Preferred Airmiles instead of the regular points, and it has a higher conversion value of 1 Preferred Airmile = 1 mileage point.
RCBC Rewards to Cash Converter
Notes: Spend requirement is computed based on the highest earning category. Minimum conversion is ₱500.
While we strive to keep the information accurate, rates and policies may change. If you notice discrepancies, email us at support@thedatacode.com.
RCBC Rewards to Miles Converter
Note: An economy class trip from PH to Singapore requires:
9000 Asia Miles via Cathay Pacific
12000 Mabuhay Miles via PAL
13500 KrisFlyer Miles via Singapore Airlines
How to Apply for an RCBC Credit Card
The easiest way to apply for an RCBC credit card is through their online application. Just make sure you are between 18 and 65 years old, currently employed or self-employed, and have a valid ID and proof of income.
Follow the process below.
- Visit the RCBC credit card online application form.
- On the upper right side, change the type of card based on your eligibility, income, and preference. You can check the minimum income requirements here.
- Complete the CAPTCHA and click Start New Application.
- Input your 16-digit credit card number if you have any other credit cards from RCBC or other banks.
- Indicate your employment status and gross annual income (income before deductions). Agree to the Terms & Conditions to proceed.
- Fill up the personal and employment information. Make sure to use an active email address and mobile number. At the bottom, choose your preferred time to be contacted by RCBC in case additional information is needed.
- Once you are satisfied with the information you provided, click continue, and an OTP will be sent to your mobile number. Input the OTP to continue with the identity verification.
- If you are using a computer, you will be asked to continue with the verification using a mobile device by scanning a QR code. On your phone, submit your valid ID and take a selfie. Your application will automatically be submitted after this.
- Monitor your email and phone in case RCBC contacts you for additional details or documents.
To complete your RCBC credit card application, you need to submit any of the following valid IDs, and you may be required to submit any proof of income later on.
Acceptable IDs
- UMID
- Passport
- Voter’s ID
- SSS/GSIS ID
- Driver’s License
- BIR/TIN ID
- PRC ID
- Postal ID
- Visa/Residence ID
Accepted Proof of Income
- Latest Income Tax Return and/or W2 with BIR or Bank Stamp
- Latest payslip stating the monthly salary
- Original Certificate of Employment (COE) with annual income details signed by an authorized Human Resources Group personnel. COE must not be more than 6 (six) months old.
- Latest Audited Financial Statement with BIR or Bank stamp and photocopy of Income Tax Return and/or W2 with BIR or Bank Stamp (for self-employed applicants)
Though your proof of income is not required during the online application, preparing these documents ahead of time can make the review process faster and smoother.
RCBC Credit Card Minimum Income Requirement
Aside from the age and employment requirements, each RCBC credit card requires specific minimum income to be eligible.
RCBC Credit Cards Minimum Income Requirement
| Card Type | Minimum Gross Income |
|---|---|
| RCBC Visa Infinite Card | ₱2,000,000 |
| RCBC World Mastercard | ₱2,000,000 |
| RCBC Visa Platinum | ₱1,000,000 |
| RCBC Black Card Platinum Mastercard | ₱1,000,000 |
| RCBC Diamond Card Platinum Mastercard | ₱1,000,000 |
| RCBC JCB Platinum | ₱1,000,000 |
| RCBC AirAsia Platinum Credit Card | ₱1,000,000 |
| RCBC Flex Gold Visa | ₱500,000 |
| RCBC Gold Mastercard® | ₱500,000 |
| RCBC Gold JCB | ₱500,000 |
| RCBC YGC Rewards Plus Program | ₱250,000 |
| RCBC ZALORA Credit Card | ₱250,000 |
| RCBC Flex Visa | ₱180,000 |
| RCBC Classic Mastercard® | ₱180,000 |
| RCBC Classic JCB | ₱180,000 |
| RCBC AirAsia Credit Card | ₱180,000 |
| RCBC Landmark Anson’s Mastercard | ₱180,000 |
Frequently Asked Questions (FAQs)
1. How do I redeem RCBC Rewards or Points?
Once you’ve reached 3,300 RCBC rewards points, you can start converting them to:
- Airmiles
- Shopping vouchers
- Cash (to be deposited to your RCBC account)
- Cash credit to your RCBC credit card
- Annual membership payment
- Donation to a charitable institution
To redeem rewards, you can chat with Erica or call the RCBC Customer Service Hotline at (02) 8888-1888.
2. Do RCBC Points expire?
RCBC Rewards Points are flexible, non-expiring points you earn every time you use your RCBC Credit Card for purchases.
3. Is there a minimum income requirement to apply for an RCBC credit card?
Yes, each card has its own income requirement listed in the minimum income requirement section above. The income requirement for RCBC credit cards ranges from ₱180,000 to ₱2,000,000.
4. How long does the application process take?
The processing time for an RCBC credit card application varies depending on the application method:
- Online Applications:
After submitting your application and completing the e-KYC (electronic Know Your Customer) process, you will receive an SMS notification with your Reference Number within 10 banking days. RCBC may contact you for additional verification or requirements during this period. - RCBC Bankard NOW (In-Store Applications):
If you apply through RCBC Bankard NOW at partner stores, you can receive a decision on your credit card application in as fast as 1 hour, provided all required documents and a completely filled-out application form are submitted.
Please note that these timeframes are for application processing only and do not include the delivery time of the physical credit card, which may take additional days.
5. How to lock/unlock your RCBC credit card
Keeping your RCBC credit card secured when not in use is easy.
Open your RCBC Pulz app and head to the Credit Card tab. Scroll down to the card actions and click See More. Under Card Settings, you will see the Lock/Unlock icon and choose the card you wish to lock. Slide the slider at the bottom and complete the verification (PIN or biometrics).
Follow the same steps to unlock your card.
6. Can I request a supplementary card?
Yes! You may apply for up to supplementary cards for your family members. The supplementary cardholder must be between 13 to 65 years old.
7. How do I track my RCBC credit card delivery?
To track the status of your RCBC credit card delivery or application, you may send an email to email@service.rcbcbankard.com with your Reference Number as the subject line.
For a quicker response, you may also contact the RCBC Credit Cards Customer Service hotline at (02) 8888-1888 for assistance.
This will allow RCBC to provide you with the latest update regarding your credit card delivery.
8. How do I activate or deactivate my RCBC credit card?
Before activating your new RCBC Credit Card, check that the card details are printed (flat) and not embossed. If the details are embossed or if there are any signs of tampering, do not activate the card—instead, call RCBC at (02) 8888-1888 and press 1 to speak with an agent.
You can activate your RCBC credit card through any of these methods:
- Via SMS
Send the last 6 digits of your credit card to 0919-160-0402 using your registered mobile number. - Via the RCBC Pulz App
Activate renewal and replacement cards easily through the app. - Via Chat with Erica
Go to the RCBC website and click the Erica icon (bottom-right corner) to chat and activate your card. - Via IVR (Interactive Voice Response)
Call (02) 8888-1888 and follow these prompts:- Press 2 – To check your credit card account
- Press 1 – To access your card (enter your 16-digit card number and OTP)
- Press 1 – For Credit Card Services
- Press 1 – To activate your card
A confirmation will be sent via SMS within 10 minutes. If you don’t receive it, call Customer Service again.
Note: RCBC does not provide a direct option to manually deactivate your credit card. For any deactivation or cancellation request, contact Customer Service at (02) 8888-1888.
9. What is RCBC’s UnliPay?
UnliPay allows RCBC credit cardholders to transfer funds using their available credit limit to pay any bank or e-wallet via the RCBC Pulz app. This service enables users to pay merchants who cannot accept credit card payments, providing greater flexibility in managing finances.
To use it, access UnliPay via the RCBC Pulz app, enter the payment details, verify the transaction, and then confirm. Note that you cannot use UnliPay to transfer to an account under the same name as the cardholder.
For payment flexibility, UnliPay transactions can also be converted into installments through the RCBC Pulz app. For UnliPay transactions converted to 6 months or longer installments, the processing fee is waived.
10. Where can I pay my RCBC credit card bill?
You can easily pay your RCBC credit card bill online. Each credit card SOA comes with a QR code that you can simply upload–no need to type in your credit card number over and over again.
Choose which of the payment methods below works best for you. Also, consider the posting time, especially if you are paying close to the due date.
Next-Day Posting
- RCBC Pulz App or RCBC Online Banking (Biller: RCBC CREDIT (BANKARD))
- Auto-Debit Arrangement (ADA)
Posting After 2-3 Banking Days
- Other mobile banking apps such as BPI, BDO, etc. (Biller: RCBC Bankard or Bankard | RCBC)
- E-wallets such as Diskartech, GCash, and Maya (Biller: RCBC Bankard or Bankard MC/Visa/JCB)
- Payment centers such as RCBC, BDO, SM Bills Payment Counters, and all Bayad Centers
- BancNet and Megalink ATMs
- Check Payments payable to RCBC, RCBC Bankard, RCBC Credit Card, or RCBC CC with your full name and 16-digit card number written on the back. Subject to the clearing period
Make sure to settle your credit card bill in advance in case you encounter any delay in the payment posting. That way, you’ll avoid late payment charges and keep your credit record in good standing.
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