Credit Cards by RCBC
Updated: Nov 11, 2025
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!
Moneymax Apple Vouchers raffle
Get 1x raffle entry for the chance to win ₱60,000 worth of Apple Vouchers when you apply for eligible credit cards on Moneymax. Promo Terms and Conditions Apply !
Card | Hot Reward Pick | Moneymax Reward | Earn Rate & Perks | Min. Annual Income | Ideal For | ||
|---|---|---|---|---|---|---|---|
 | RCBC Visa Platinum | ₱60,000 | 1 airmile / ₱25 | ₱1,000,000 | Premium Travelers | ||
 | RCBC JCB Platinum | ₱60,000 | 1 point per ₱25 | ₱1,000,000 | Points Earners | ||
 | AirAsia Platinum Credit Card | ₱60,000 | 2 points / ₱25 | ₱1,000,000 | AirAsia Flyers | ||
 | RCBC Visa Infinite | ₱60,000 | 5 points / ₱30 | ₱2,000,000 | High Spenders | ||
 | RCBC Flex Visa | ₱60,000 | 2 points / ₱50 | ₱250,000 | Rewards Seekers | ||
 | RCBC Flex Gold Visa | ₱60,000 | 2 points / ₱50 | ₱500,000 | Rewards Seekers |
Why Trust Moneymax?
Finding the best no annual fee credit cards in the Philippines isn’t just about saving on annual charges — it’s about making smarter financial decisions with a trusted partner.
Part of MoneyHero Group (NASDAQ: MNY), Asia’s leading personal finance platform.
Registered with the SEC under Moneyguru Philippines Corporation.
Licensed by the Insurance Commission as a financial and insurance broker.
Don’t miss out on this great deal!
🆓 Apply Now, Enjoy a Lifetime of Savings 🆓
Apply for a new RCBC credit card and enjoy No Annual Fee For Life! Just meet the minimum spend requirement within 60 days of getting your card. It’s your chance to enjoy a lifetime of savings and convenience!
Apply by Dec 31, 2025 to claim your reward
Participating Products:
RCBC Visa Platinum
:
For Premium Travelers
RCBC JCB Platinum
:
For Points Earners
AirAsia Platinum Credit Card
:
For AirAsia Flyers
How to Qualify?
- Apply via Moneymax: Register your interest and submit your application for an eligible RCBC credit card on the Moneymax website between November 4, 2025, and December 31, 2025.
- Get Approved: Ensure you are a new-to-RCBC applicant and your application is approved.
- Meet the Spend Requirement: Use your new RCBC credit card to make qualifying purchases within 60 days of receiving your card. Minimum spend requirements vary by card type:
- Classic Cards: ₱30,000
- Gold Cards: ₱50,000
- Platinum Cards: ₱60,000 - ₱100,000
- World Mastercard: ₱120,000
- Enjoy NAFFL: Once you meet the spend requirement, your card will be tagged as No Annual Fee For Life!
Terms and Conditions apply.
Apply by Dec 31, 2025 to claim your reward
Airmiles - Overseas Spend
₱ 25 per mileAirmiles - Local Spend
₱ 48 per mileAnnual Fee
₱ 5,000 per yearMin. Annual income
₱ 1,000,000Apply through Moneymax and choose from 2 premium rewards:
- 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.
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Rewards - Base Rate
1 point per ₱25Annual Fee
₱ 3,600 per yearMin. Annual Income
₱ 1,000,000Interest Rate
3 %Apply through Moneymax and choose from 2 premium rewards:
- 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.
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Rewards Points - Local
2 AirAsia points for every ₱25 spend at AirAsiaRewards Points - Baseline
1 AirAsia point for as low as ₱22 spendAnnual Fee
₱ 4,800Min. Annual Income
₱ 1,000,000Apply through Moneymax and choose from 2 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Earn AirAsia Points faster — 2 points for every ₱25 purchase at AirAsia, and 1 point for every ₱22 overseas or ₱28 local spend.
- Extra low FX conversion fee of only 1.85% on international purchases
- Automatic AirAsia Platinum membership with priority check-in, boarding, and baggage.
- Get 500 AirAsia Monthly* Bonus Points for an accumulated retail spend anywhere of at least ₱50,000 each month.
- Unlimited free access to PAGSS International Lounge at NAIA Terminal 1
- Free travel insurance coverage up to ₱5 Million.
- Flexible payment options like Unli Installment, UnliPay, Easyterms (0% installment), Balance Transfer, and Balance Conversion.
Repayment Details
Interest Rate: 3 %
Fees
Annual Fee: ₱4,800
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 1.85 %
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Rewards Overseas In-Store/Online
5 points per ₱30Rewards - Base Rate
1 point per ₱30Rewards Local Online
1 points per ₱30Rewards Petrol
1 points per ₱30Apply through Moneymax and choose from 1 premium rewards:
- 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.
Fees
Annual Fee: ₱6,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Rewards Points Dining
2 point per ₱50Rewards Points Baseline
1 point per ₱125Rewards Points Transport
2 point per ₱50Rewards Points Travel
2 point per ₱50Apply through Moneymax and choose from 1 premium rewards:
- 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
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Rewards - Department Store Spend
2 point per ₱50Rewards - Base Rate
1 point per ₱50Rewards - Travel Spend
2 point per ₱50Rewards - Fuel Spend
2 point per ₱125Apply through Moneymax and choose from 1 premium rewards:
- 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.
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
Minimum Age: 21 years old