Moneymax Reviews: Flex Your Financial Savvy with RCBC Flex Visa

Ricky Publico

Ricky Publico

Last updated September 28, 2023

There will come a time when you'll have to flex your financial capability. Whether it's at a first date or a family reunion, you don't want to be caught off guard without the best credit card in your wallet, do you? Good thing this RCBC Flex Visa review can help you with that.

In this edition of Moneymax Reviews, we're taking a look at RCBC's hippest credit cards to date. Are you ready to flex your financial independence? Read on to learn how. 

RCBC Flex Visa Key Features

rcbc flex visa review - features and fees

The RCBC Flex Visa is considered a hip credit card for a reason. As you can see from the key features below, this is one of the most accessible credit cards out there with its low income requirement and affordable annual fee.[1]

But if money is no object to you, you can opt to get the premium variant of this credit card in the form of RCBC Flex Gold Visa, whose perks we'll discuss later in more detail.

  • Annual fee: 
    • Flex Visa: ₱1,500
    • Flex Gold Visa: ₱3,000
  • Interest rate: 3%
  • Minimum monthly income requirement: 
    • Flex Visa: ₱15,000
    • Flex Gold Visa: ₱50,000
  • Cash advance fee: ₱200
  • Late payment fee: ₱850 or the minimum amount due, whichever is lower
  • Overlimit fee: ₱600
  • Foreign transaction fee: 2.25%
  • Card replacement fee: ₱500 per card

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Why Should You Get an RCBC Flex Visa?

rcbc flex visa review - reasons to get one

The RCBC Flex Visa was created with younger generations in mind. Aside from its trendy design, the RCBC Flex Visa offers great perks.

The main attraction is the double rewards points you earn from two spend categories of your choice. This means you can choose to earn more points from expenses you care more about.

Pick from the following spend categories:

  • Dining
  • Clothing
  • Travel
  • Transportation

Ready to give RCBC Flex Visa a spin? Here's a quick review of its features.

RCBC Flex Visa

But if you're the type who focuses less on the bells and whistles and more on saving money on the things that matter, then you can choose its premium variant: the RCBC Flex Gold Visa.

You'll get to enjoy 2x rewards points on three spend categories of your choice:

  • Grocery
  • Gas
  • Travel
  • Department Store
  • Home Appliances

Want the more premium RCBC Flex Gold Visa? Take a look at its key features.

RCBC Flex Gold Visa

See also: How to Apply for a Credit Card in RCBC: Online and In-Branch Guide

What Other Perks Can I Expect From My RCBC Flex Visa?

rcbc flex visa review - card benefits

At this point in this RCBC Flex Visa review, we explore other features that come with your credit card. Don't worry, this card won't leave you hanging in terms of exciting perks.

👉 Free Travel Insurance

Whatever version of the RCBC Flex Visa you get, you'll instantly enjoy free travel insurance of up to ₱50,000. This covers accidental death or dismemberment, trip-related inconveniences such as flight delay, misplaced or delayed baggage, and emergency trip cancellation for up to 15 days per trip.

As an additional travel perk, your RCBC Flex Visa also grants you access to the Skyview Airport Lounge located at NAIA Terminal 3. Now you can just chill and wait in peace during a flight delay or cancellation.

👉 Free Purchase Protection

If you love ordering items from overseas, you'll be pleased to know that your RCBC Flex Visa also comes with free purchase protection insurance. This covers you from loss and accidental damages of items purchased abroad using your credit card for up to ₱50,000 or your credit limit, whichever is lower.

RCBC Flex Visa Alternatives

Didn't like either of the credit cards above? That's all right! You can and should always check out alternatives. After all, it wouldn't be a comprehensive RCBC Flex Visa review without looking at other viable credit cards worthy of your attention.

Here are just some of them:

💳 UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

If you're looking for yet another rewarding credit card to add to your collection, the UnionBank Rewards Credit Card is a great addition. Apply for this card to earn 1 non-expiring rewards point for every ₱30 spend and 3x non-expiring reward points when you shop and dine here and abroad.

💳 Metrobank Titanium Mastercard®

Metrobank Titanium

With the Metrobank Titanium Mastercard®, you get 1 point for every ₱20 spend. Get this card to earn twice the points on dining, department store, and online purchases. If you apply for this card until February 29, 2024 and meet the required annual spend of ₱180,000, you can waive your annual fees.

💳 HSBC Red Mastercard

HSBC Red Mastercard

Want to earn more points without spending too much on annual fees? Then you should apply for an HSBC credit card, specifically the Red Mastercard. Enjoy 4x reward points on online, shopping, dining, and overseas transactions—no choosing needed.

💳 Security Bank Gold Mastercard

Security Bank Gold Mastercard

The Security Bank Gold Mastercard earns 1 point for every ₱20 spend. With this card, you also get exclusive rewards and promos all year round as well. Lastly, you can access the Marhaba Lounge at NAIA Terminals 1 and 3. 

💳 BPI Platinum Rewards Mastercard

BPI Platinum Rewards Card

Want to earn rewards for purchases abroad? Use the BPI Platinum Rewards Mastercard to earn 2 BPI points for every ₱30 local spend and 2 BPI points for every ₱20 foreign spend. Pay for flights using your card and enjoy installments with 0% interest. 

💳 AUB Easy Mastercard

AUB Easy Mastercard-1

Perhaps you just need a trusty credit card without all the smoke and mirrors. With the AUB Easy Mastercard, your annual fees are waived forever right off the bat. Plus, you can choose when and how much you want to pay for your credit card bills. Neat!

But if you really want a credit card from RCBC, here are some of your options:

Credit Card Minimum Monthly Income Requirement Annual Fee Features
RCBC Landmark Anson's Mastercard
rcbc landmark ansons
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₱15,000
₱960
  • 5% rebate on straight purchases every weekday at Landmark and Anson’s
  • 1 rewards point for every ₱50 spend at Landmark and Anson’s
RCBC Mango Mastercard
rcbc mango
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₱15,000
₱1,200
  • 0% installment of up to 6 months at Mango stores
  • Priority access to next season’s catalog offers
  • Exclusive access to Mango VIP Sale events
RCBC Classic Mastercard
RCBC Classic Mastercard-2
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₱15,000
₱1,500
  • Points for as low as ₱36 per spend
  • Free travel insurance and purchase protection
RCBC Flex Visa
RCBC Flex Visa-4
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 ₱15,000
₱1,500
  • 2x rewards points on two preferred categories: dining, clothing, travel, or transportation
  • Free travel insurance and purchase protection
RCBC Gold Mastercard
RCBC Gold Mastercard-1
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₱50,000
₱3,000
  • Rewards points for as low as ₱36 per spend
  • Free travel insurance and purchase protection 
RCBC YGC Rewards Plus Platinum Mastercard
rcbc ygc rewards
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₱19,167 
₱3,600
  • 1 rewards point for as low as ₱36 per spend
  • Exclusive travel perks overseas
RCBC AirAsia Credit Card
rcbc airasia
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₱20,833
₱3,600
  • 2 AirAsia BIG points for every ₱25 AirAsia spend
  • 1 AirAsia BIG point for every ₱28 domestic retail spend
  • 1 AirAsia BIG point for every ₱22 international retail spend
RCBC Flex Gold Visa
rcbc flex gold
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₱50,000
₱3,000
  • 2x rewards points on three preferred categories: grocery, gas, travel, department store, or household appliances
  • Free travel insurance and purchase protection
RCBC Diamond Card Platinum Mastercard
rcbc diamond
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₱100,000
₱2,500
  • Automatic ₱0.10 donation for every ₱100 spend
  • 1 rewards point for as low as ₱36 per spend
  • Free travel insurance of up to ₱1 million
RCBC Black Card Platinum Mastercard
rcbc black platinum
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₱100,000 
₱3,600
  • 5x rewards points on ₱30 overseas spend
  • Free travel insurance of up to ₱1 million
  • Free airport lounge access 
  • 0% installment for purchases abroad
RCBC World Mastercard
rcbc world
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₱300,000
₱3,600
  • Rewards points for as low as ₱36 per spend
  • Exclusive deals with Mastercard Moments
  • Free travel insurance and purchase protection
RCBC Visa Infinite
rcbc visa infinite
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₱300,000
₱6,000
  • Rewards points for as low as ₱36 per spend
  • 5% rebate at any local or international clothing shops
  • Free travel insurance of up to ₱1 million   

Final Thoughts

It's never too late to flex and show everyone how money-savvy you are. This RCBC Flex Visa review showed you how credit cards can help improve your finances in just a few swipes. If you're still looking for the right credit card, click the banner below to discover more options.

Compare credit cards with Moneymax

Sources: [1] RCBC Fees and Charges


Ricky is the zaniest Product Marketing Manager at Moneymax, with over six years of writing experience in the digital marketing industry. He had written for SEO, cybersecurity, and other related industries prior to joining Moneymax. He also specializes in content writing, copywriting, and email marketing. He is a huge fan of pro-wrestling, One Piece, and smartphones in general. Follow Ricky on LinkedIn.

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