rcbc black platinum mastercard

RCBC Black Card Platinum Mastercard

Minimum Annual Income


(P100,000 Monthly)

Interest Rate


Annual Fee


Product Summary

rcbc black platinum mastercard

RCBC Black Card Platinum Mastercard

  • 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
Existing Credit CardNot Required
Landline numberRequired
Age21 to 65 years old
Minimum Annual IncomeP1,200,000
Annual FeeP3,600 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate3%
Cash Advance FeeP200 / %

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Why Choose RCBC Black Platinum Mastercard?

Want to take your credit card experience to the next level? Enjoy the finer things in life with the RCBC Black Platinum Mastercard. See if this credit card can cater to your wants in this review.

Choose from several rewards categories

Explore your RCBC Black Platinum Mastercard’s extensive reward catalog—air miles, shopping vouchers, donations to your charitable organization of choice, and many more. You can also take your time collecting points since they don’t expire, so you can use them whenever, wherever.

Get access to NAIA Terminal airport lounges

Do you want VIP treatment whenever you travel? Your RCBC Black Platinum Mastercard has you covered with great customer service, complimentary drinks, and free access to Marhaba/Skyview Airport Lounge at NAIA Terminal 3 for you and a friend of yours.

Get free travel and purchase protection insurance

Do you have a scheduled flight or are you planning to go shopping overseas soon? If you used your RCBC Black Platinum Mastercard to buy your airline tickets or shopping items, you’re protected by your credit card’s free travel insurance up to ₱1 million and free Mastercard e-Commerce Purchase Protection up to $200.

Enroll up to five supplementary cards

Extend your RCBC Black Platinum Mastercard’s benefits to your loved ones. This is not your usual credit card supplementary cardholder offer because you can share your credit card perks with up to five people. Worried about the annual fees? It’s free forever for all five supplementary cardholders.

Is RCBC Black Platinum Mastercard the Right Card for You?

If you want a rewarding travel experience for both you and your family or friends, choose the elegant RCBC Black Platinum Mastercard. Looking for other perks? Check out these alternatives:

  • UnionBank Gold Visa Card. Do you need to buy several high-ticket items? Do it the right way by availing of 0% interest rate installment plans using this credit card.
  • HSBC Red Mastercard. Rake in reward points easier and faster with this credit card’s 4x bonus points whenever you use it on dining, shopping, online, or overseas transactions.
  • Citi Rewards Card. Reward points are best spent on your own terms. That’s why it’s a joy to use this credit card when redeeming rewards since it doesn’t have any expiration date. Earn 1 point for every ₱30 spend and redeem your points anytime.