Credit Cards by RCBC
Updated: Dec 2, 2025
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.
Moneymax Holiday Bonanza Raffle
Join the Moneymax Holiday Bonanza Raffle for a chance to win incredible prizes, including the Samsung Fold 7, iPhone 17 Pro Max, Dyson V8 Slim, and more! Apply for eligible credit cards or personal loans through Moneymax and complete the simple steps for your chance to win one of these fantastic rewards. Promo runs from November 19, 2025, to January 31, 2026 Terms and Conditions Apply.
Card | Hot Reward Pick | Moneymax Reward | Earn Rate & Perks | Min. Annual Income | Ideal For | ||
|---|---|---|---|---|---|---|---|
 | RCBC Visa Platinum | - | 1 airmile / ₱25 | ₱1,000,000 | Premium Travelers | ||
 | RCBC JCB Platinum | - | 1 point per ₱25 | ₱1,000,000 | Points Earners | ||
 | AirAsia Platinum Credit Card | - | 2 points / ₱25 | ₱1,000,000 | AirAsia Flyers | ||
 | RCBC Visa Infinite | - | 5 points / ₱30 | ₱2,000,000 | High Spenders | ||
 | RCBC Flex Visa | - | 2 points / ₱50 | ₱250,000 | Rewards Seekers | ||
 | RCBC Flex Gold Visa | - | 2 points / ₱50 | ₱500,000 | Rewards Seekers |
Why Trust Moneymax?
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 1 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 1 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