rcbc gold mastercard

RCBC Gold Mastercard

Minimum Annual Income


(P50,000 Monthly)

Interest Rate


Annual Fee


Product Summary

rcbc gold mastercard

RCBC Gold Mastercard

Make the golden choice with the RCBC Gold Mastercard. Earn reward points for as low as ₱36 per spend and exchange them for air miles, cash credit, vouchers, and other exciting rewards. Plus, get free travel insurance and other travel perks with this credit card.

  • Apply now until December 31, 2022, and spend at least ₱18,000 within 60 days from card delivery to receive free ₱3,000 SSI shopping e-vouchers
  • 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
Existing Credit CardNot Required
Landline numberRequired
Age21 to 65 years old
Minimum Annual IncomeP600,000
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Signed Certificate of Employment
Proof of income
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Active landline / mobile phone number
Audited Financial Statements
Business registration/permits
Annual FeeP3,000 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate3%
Cash Advance Fee P200 / %

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Why Choose RCBC Gold Mastercard?

Looking for a credit card that will level up with you? The RCBC Gold Mastercard has you covered with perks that will fit your lifestyle. Find out more in this short review.


Experience the convenience of non-expiring reward points

You heard that right! With the RCBC Gold Mastercard, you can save up reward points to redeem rewards you’ve been eyeing since points are non-expiring. Earn 1 point for every ₱36 spend or ₱125 spent on gas stations, drugstores, and supermarkets.

Protect yourself with free ₱50,000 travel insurance

Travel light doesn’t only mean traveling with less luggage—it can also mean worry-free travel. That’s what the RCBC Gold Mastercard has to offer with Travel Plus Lite, your free travel insurance of up to ₱50,000. Just use your credit card on your next airline ticket purchase.

Control your finances with free budget monitoring tools

Be confident about your finances with the RCBC Gold Mastercard’s free budgeting tools. Use Spend Monitor to set a cap on your credit card spending and get real-time SMS updates on your card usage. Another tool, Spend Analyzer, summarizes and categorizes your card transactions.

Earn 1 reward point for every ₱250 bills payment

Who knew you can earn rewards by simply paying your bills? It’s possible with the RCBC Gold Mastercard! Simply pay at least ₱250 on your bills to earn 1 reward point. It’s also convenient since you can pay your bills anytime using the RCBC Online Banking app.


Easier to collect reward points for non-essentials

It’s harder to collect reward points for essential purchases with your RCBC Gold Mastercard because you’ll only earn 1 point for every ₱125 spend. It’s a good thing most credit cardholders also use their cards to shop, dine, and travel, and that only requires ₱36 spend to earn 1 point.  

Have more power over your reward points with RCBC Flex Visa. Earn twice the points on two categories of your choice—clothing, travel, dining, or transportation.

Low rebate conversion

It might also be difficult for some to earn rebates with the ₱400 spend required to receive ₱1. But since this is offered for retail and installment, with both usually involving a high spend, you’ll definitely earn rebates with no maximum amount required before crediting it to your account.

If you’re a fan of cash back, clothes, and a fancy-looking credit card, make the RCBC Zalora Credit Card yours! Enjoy up to 6% cash back at Zalora and the first eco-friendly card in the country.

Is RCBC Gold Mastercard the Right Card for You?

If you always want to have the gold standard in your pocket, choose the RCBC Gold Mastercard. If you’re looking for something else, try these credit card picks:

  • RCBC Gold Flex Visa. Twice the reward points are always a great idea when choosing a credit card. And you’ll get that in not one, but three preferred categories of your choice! Choose from the following spend categories: gas, department stores, groceries, travel, or household appliances.
  • HSBC Platinum Visa Rebate Card. Protect yourself and your purchases with this credit card’s free purchase protection coverage of up to ₱15,000 and a ₱10,000 Accidental Death coverage.


You earn 1 point for every ₱36 spend. You also earn 1 point for every ₱125 supermarket, drugstore, or gas station spend and for every ₱250 bills payment spend.

Use your RCBC rewards points to redeem the following rewards:

  • Air Miles
  • Cash Rebates
  • Shopping Vouchers
  • Cash Credit to Your Credit Card
  • Deposit to RCBC Bank account
  • Donations

Your RCBC Bankard Gold Mastercard comes with free travel insurance of up to ₱50,000.

RCBC’s Purchase Protection program covers the costs of any lost or damaged items purchased overseas using your RCBC credit card. The maximum amount it can cover is ₱50,000 or the card’s credit limit, whichever is lower.

To check your application status, you may call RCBC at (02) 8888-1888. You may also send an email to email@service.rcbcbankard.com.


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