Credit Cards by RCBC
Updated: Sep 12, 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!
Why Trust Moneymax?
Min. Annual Income
₱ 250,000Interest Rate
3 %Annual Fee
₱ 1,500 per yearApply through Moneymax and choose from 10 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
Min. Annual Income
₱ 500,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 3,000 per yearApply through Moneymax and choose from 10 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
Min. Annual Income
₱ 1,000,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 5,000 per yearApply through Moneymax and choose from 10 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
Min. Annual Income
₱ 2,000,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 6,000 per yearApply through Moneymax and choose from 10 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
Min. Annual Income
₱ 250,000Interest Rate
3 %Annual Fee
₱ 1,500 per yearApply through Moneymax and choose from 9 premium rewards:
- Earn reward points for as low as ₱36 per spend
- Convert your points to air miles and other rewards
- Free travel insurance and purchase protection
- Free budget monitoring tools to keep your finances in check
- Ideal for: money-savvy cardholders and frequent flyers
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Min. Annual Income
₱ 250,000Interest Rate
3 %Annual Fee
₱ 1,500 per yearApply through Moneymax and choose from 9 premium rewards:
- 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
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱250,000
Minimum Age: 21 years old
Min. Annual Income
₱ 500,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 3,000 per yearApply through Moneymax and choose from 9 premium rewards:
- Earn reward points for as low as ₱36 per spend.
- Exchange your points to air miles and other rewards.
- Free travel insurance and purchase protection for every travel.
- Access free budget monitoring tools to help organize your finances.
- Ideal for: money-savvy cardholders and frequent flyers.
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱500,000
Minimum Age: 21 years old
Min. Annual Income
₱ 1,000,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 3,600 per yearApply through Moneymax and choose from 9 premium rewards:
- 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.
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱1,000,000
Minimum Age: 65 years old
Min. Annual Income
₱ 1,000,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 3,600 per yearApply through Moneymax and choose from 9 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
Min. Annual Income
₱ 2,000,000Monthly Effective Interest Rate
3 %Annual Fee
₱ 3,600 per yearApply through Moneymax and choose from 9 premium rewards:
- Earn reward points for as low as ₱36 per 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.
Fees
Annual Fee: ₱3,600 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱2,000,000
Minimum Age: 21 years old
Frequently Asked Questions
- No Annual Fee on the First Year - Want to familiarize yourself with your credit card’s features without thinking of your card bills? RCBC credit cards give you ample time to get to know your credit card without thinking of pesky fees by scrapping the annual fees on your first year.
- Flexible and Accelerated Reward Points - Earn your rewards your way with RCBC rewards. Expect accelerated reward points and a flexible rewards program from RCBC credit cards like the RCBC Flex Visa and the RCBC Flex Gold Visa with their 2x reward points for up to three categories of your choice. Want to change your categories? No problem! You can modify your choice after every billing cycle.
- Convert Straight Purchases to Installment - RCBC credit cards help you stretch your budget to buy high-ticket purchases through their installment plans. Convert your straight purchases anywhere in the world to installment plans as many times as you want and pay up to 36 months with a minimal interest rate. If you don’t like the added interest rate, try UNLI 0%, an installment plan with 0% interest payable in 3 months.
- Unique Credit Cards - With RCBC’s vast number of credit cards, you’re bound to encounter one unique card or two that fit your lifestyle. Here are a couple of perks to expect:
- Automatic donation to a charity of your choice whenever you swipe
- Earn reward points for your Malayan insurance payments
- Earn more reward points when you use your card in Japan and China
- Exclusive perks and freebies from partner establishments
- Multiple Co-Branded Cards - If you prefer co-branded credit cards, you’ll have more than enough options with RCBC’s catalog. RCBC co-branded cards have partnerships with malls, gas stations, airlines, and retail stores both online and in-store.
- Budget Management Tools - Budgeting takes time and can be tedious, so adding a credit card might mean additional work for your budget. RCBC credit cards will automate your credit card budgeting with its easy finance management tools:
- Spend Monitor - real-time SMS on both your spending and your supplementary cardholders
- Spend Analyzer - a one-shot glance of your card transactions in categories that eliminates manual budgeting and serves as a guide for your budget next month
- Must be at least 21-65 years old
- Must be a Filipino with local residence
- Must have an active mobile number and office landline
- 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
- Any of the following:
- Latest ITR and/or W2 with BIR or Bank Stamp
- Original Certificate of Employment in the last 6 months signed by authorized HR and includes your annual income details
- Latest payslip with your monthly salary
- Latest bank statement showing the current month’s salary credit
- 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
- Latest ITR and/or W2 with BIR or Bank Stamp
- Latest Audited Financial Statement (AFS) duly stamped as received by the BIR
- Latest bank statement with your cash credits/sales receipt for the month
If you think you can’t find a credit card related to your interests, think again. RCBC credit cards have more than enough options for you to choose from, even including obscure features and partner brands.
For perks, auto donations to charities while using your card and access to innovative financial management tools to help balance your daily budget are available. For partner brands, there are lots to choose from, including establishments like Sta. Lucia Mall and Zalora.
Accelerated reward points, rebates, air miles, installment plans, and other popular features are still included, depending on your card of choice. Read on below for more features from RCBC credit cards:
Employed and self-employed Filipinos residing in the Philippines can apply for any RCBC credit card as long as they fit the following criteria:
You only need a few documents to apply and get approved for an RCBC credit card. Documents differ depending on your employment status as seen below: