RCBC Flex Gold Visa
| Minimum Annual Income P600,000 (P50,000 Monthly) | Interest Rate 3% | Annual Fee P3,000 |
Product Summary
RCBC Flex Gold Visa
Earn points faster when you spend with an RCBC Flex Gold Visa credit card. Get 2x rewards points on three preferred categories: grocery, gas, travel, department store, or household appliances. What can we say, #adulting is definitely better with this card!
- 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
| Existing Credit Card | Required |
| Landline number | Required |
| Age | 21 to 65 years old |
| Minimum Annual Income | P600,000 |
| Government-issued ID | |
| Valid TIN / SSS / GSIS or UMID number | |
| Signed Certificate of Employment | |
| Proof of income |
| Government-issued ID | |
| Valid TIN / SSS / GSIS or UMID number | |
| Audited Financial Statements | |
| Business registration/permits |
| Annual Fee | P3,000 / year |
| Annual Fee Waiver | Yes |
| Monthly Effective Interest Rate | 3% |
| Cash Advance Fee | P200 / % |
Is this the right product for you?
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Why Choose RCBC Flex Gold Visa?
Looking for a rewarding credit card experience? It’s time to flex your financial independence with the RCBC Flex Gold Visa. But is this card the right choice for you? Let’s find out.
2x reward points on three preferred categories
With the RCBC Flex Gold Visa, you get to choose the spending categories you can earn rewards from. In fact, you can choose three! So if you drive every day, frequent grocery stores for your essentials, or book flights every now and then, you’ll enjoy 2x reward points from any of these spend categories:
- Grocery
- Gas
- Travel
- Department Store
- Home Appliances
Free travel insurance of up to ₱50,000
Speaking of travel, your RCBC Flex Gold Visa also comes with free travel insurance up to ₱50,000. This covers accidental death or dismemberment, trip inconveniences like flight delays, misplaced or delayed baggage, and emergency trip cancellations up to 15 days per trip.
Free purchase protection insurance
Your orders from abroad are also safe when you purchased them using your RCBC Flex Gold Visa. This is because every overseas purchase comes with free protection insurance that covers the loss or accidental damage of your purchased items up to ₱50,000.
Free access to the Marhaba/Skyview Airport Lounge
Tired of having an uncomfortable flight experience? Use your RCBC Flex Gold Visa to access the Marhaba/Skyview Airport Lounge at NAIA Terminal 3 for only $12. Chill and wait comfortably for free when you spend at least $200 abroad using your credit card.
Is RCBC Flex Gold Visa the Right Card for You?
Love the freedom to choose your rewards? Then the RCBC Flex Gold Visa is a must-have! But if you’re looking for more reward opportunities on your credit card, here are some great alternatives:
- UnionBank Lazada Credit Card. Maybe you’re more into online shopping? If your online shopping app of choice is Lazada, use this credit card and the ₱5,000 Lazada credits that come with it.
- HSBC Red Mastercard. Want more points for every purchase? How about 4x reward points? Use this credit card for shopping, dining, online, and overseas transactions—no need to choose from any of them.
FAQ
Just use your RCBC Flex Gold Visa credit card when spending on any of the three categories: grocery, gas, travel, department store, or household appliances. The choice is yours!
Travelers who love to shop can enjoy 0% installment plans of up to 3 months on purchases made abroad. Apart from this, the RCBC Flex Gold Visa comes with an Unli Installment feature, which allows you to convert your straight purchases to installments of up to 36 months.
Don’t fret! You can exchange your rewards points for shopping vouchers, redeem as cash rebate, or use them as cash credit to your deposit account. You can also enroll in RCBC’s Air Miles program to redeem your points for free flights.
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