Credit Cards by RCBC
Updated: Oct 27, 2026
RCBC credit cards put you in control of your spending and rewards. Whether you’re shopping, dining, traveling, or enjoying personal interests, there’s a card tailored to your lifestyle.
Love co-branded cards? RCBC offers one of the widest selections, partnering with malls, retail stores, fuel providers, and airlines so you can get more value from the brands you love. You can even assign categories for accelerated reward points, letting you earn faster on what matters most.
With RCBC’s flexible options and seamless online application through MoneyMax, getting your ideal credit card is simple, convenient, and empowering.
Card | Hot Reward Pick | Moneymax Reward | Earn Rate & Perks | Min. Annual Income | Ideal For | ||
|---|---|---|---|---|---|---|---|
 | RCBC JCB Platinum | - | - | 1 point per ₱25 | ₱1,000,000 | Points Earners | |
 | RCBC Black Card Platinum Mastercard | - | - | 5 points / ₱30 | ₱1,000,000 | Travel Rewards Seekers | |
 | RCBC AirAsia Platinum Credit Card | - | - | 2 points / ₱25 | ₱1,000,000 | AirAsia Flyers | |
 | RCBC World Mastercard | - | - | 1 point / ₱10 | ₱2,000,000 | - | |
 | RCBC Airmiles Visa Signature | - | - | 1 Signature Airmile / ₱25 | ₱1,000,000 | Premium Travelers | |
 | RCBC Gold JCB Card | - | - | 1 points / ₱36 | ₱500,000 | - | |
 | RCBC Flex Gold Visa | - | - | 2 points / ₱50 | ₱500,000 | Rewards Seekers | |
 | RCBC Flex Visa | - | - | 2 points / ₱50 | ₱250,000 | Rewards Seekers | |
 | AirAsia Credit Card | - | - | 1 points / ₱22 | ₱180,000 | Frequent AirAsia Flyers | |
 | RCBC Visa Infinite | - | - | 5 points / ₱30 | ₱2,000,000 | High Spenders | |
 | RCBC UnionPay Diamond Card | - | - | 2 Times | ₱1,000,000 | - |
Why Trust Moneymax?
Rewards - Base Rate
1 point per ₱25Annual Fee
₱ ₱
3,600Min. Annual Income
₱ ₱
1,000,000Interest Rate
3 %- 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.
- Free reward points
- Travel insurance
- Airport lounge
- High income requirement
Fees
Annual Fee: ₱3,600
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
3,600Rewards - Overseas Spend
5 point per ₱30Rewards - Online Shopping
3 point per ₱30Min. Annual Income
₱ ₱
1,000,000- 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.
- Shopping points
- Online shopping points
- Travel insurance
- High income requirement
Fees
Annual Fee: ₱3,600
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
₱ ₱
1,000,000- 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.
- Earn AirAsia Points faster
- Extra-low FX fee
- Perfect for frequent traveler
- Flexible payment
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
Annual Fee
No Annual Fee - limited time offer! Interest Rate
3 %Rewards - Base Rate
1 point per ₱30Min. Annual Income
₱ ₱
2,000,000- Earn reward points for as low as ₱10 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.
- Shopping points
- Travel insurance
- Airport lounge
- High income requirement
Fees
Annual Fee: No Annual Fee - limited time offer!
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Min. Annual Income
₱ ₱
1,000,000Airmiles Local
₱ ₱
48 per mileAirmiles Overseas
₱ ₱
25 per mileAnnual Fee
₱ ₱
5,500 per year- Earn 1 Signature Airmile per ₱25 spent overseas (in-store and online).
- Enjoy 1:1 miles conversion to partner mileage programs including Asia Miles, Mabuhay Miles, and AirAsia Rewards.
- Complimentary travel insurance up to ₱20 million and other travel perks.
- Get complimentary Priority Pass™ membership worldwide with up to 4 free lounge visits per year.
- Signature Airmiles do not expire.
- Ideal for: VIP travelers and premium seekers.
- Bonus air miles
- Travel insurance
- Airport lounge
- High income requirement
Fees
Annual Fee: ₱5,500 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Card Benefit
1 - point per ₱36Annual Fee
₱ ₱
3,000 per yearMin. Annual Income
₱ ₱
500,000Interest Rate
3 %- 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
- Free reward points
- Travel insurance
- Exclusive discounts
- Good for beginners
Fees
Annual Fee: ₱3,000 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱500,000
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 ₱125- 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.
- Airport lounge
- Travel insurance
- Free reward points
- High income requirement
Fees
Annual Fee: ₱0 (No Annual Fee)
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
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 ₱50- 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
- Dining points
- Shopping points
- Travel insurance
- Airport lounge
Fees
Annual Fee: ₱0 (No Annual Fee)
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
3,600Min. Annual Income
₱ ₱
180,000Annual Fee Waiver
YesRewards Points Baseline
1 AirAsia point for as low as ₱22 spend- 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 2.50% on international purchases
- Automatic AirAsia Platinum membership with priority check-in, boarding, and baggage.
- Get 300 AirAsia Monthly* Bonus Points for an accumulated retail spend anywhere of at least ₱30,000 each month.
- Flexible payment options like Unli Installment, UnliPay, Easyterms (0% installment), Balance Transfer, and Balance Conversion
- Earn AirAsia Points faster
- Extra-low FX fee
- Perfect for frequent traveler
- Flexible payment
Repayment Details
Interest Rate: 3 %
Fees
Annual Fee: ₱3,600
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 2.50 %
Eligibility
Min. Annual Income: ₱180,000
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 ₱30- 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.
- No-brainer rebate
- Retail rebate
- Travel insurance
- High income requirement
Fees
Annual Fee: ₱0 No Annual Fee for Life—limited-time offer!
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Min. Annual Income
₱ ₱
1,000,000Annual Fee
₱ ₱
5,500 per yearMin. Age
21 years oldEarn Double Rewards
2 Times- For the Most Discerning Palates, and only available with UnionPay premium Cards. Discover the world's finest chefs and restaurants and redefine your definition of fine dining.
- The Most Memorable Shopping, and only available with UnionPay Premium Cards. Allow high-end merchants and duty-free shops to entreat you with valuable shopping benefits.
- The Most Elegant Hotel Rooms, and only available with UnionPay Premium Cards. Stay with the world's top class hotels, and enjoy the finest Living Experiences.
- The Most Wonderful Lifestyle, and only available with UnionPay premium Cards. Enjoy inspiring experiences in Culture, entertainment, health and beauty.
- The Most Prestigious Tours, and only available with UnionPay premium Cards. Unlock the world's most exclusive experiences as you explore your extraordinary journey.
- Bonus air miles
- Travel insurance
- Airport lounge
- High income requirement
Fees
Annual Fee: ₱5,500 per year
Cash Advance Fee : ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 21 years old
Age - Supplementary: 13 years old