rcbc ygc credit card

RCBC YGC Rewards Plus Platinum Mastercard

Minimum Annual Income


(P19,167 Monthly)

Interest Rate


Annual Fee


Product Summary

rcbc ygc credit card

RCBC YGC Rewards Plus Platinum Mastercard

The more you build your savings, the more you earn rewards with the RCBC YGC credit card. Earn non-expiring rewards points for every RCBC bank deposit, Malayan insurance payment, or credit card purchase as low as ₱36 per spend.
  • Earn points for every RCBC bank deposit or Malayan insurance payment
  • Earn one reward point for as low as ₱36 per spend
  • Enjoy exclusive travel perks when you travel overseas
  • Access free budgeting tools to help track your finances
  • Ideal for: money-savvy and high-earning cardholders
Existing Credit Card Not Required
Landline number Required
Age 21 to 65 years old
Minimum Annual Income P230,000
Annual Fee P3,600 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate 2%
Cash Advance Fee P200 / %

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Why Choose RCBC YGC Rewards Plus Mastercard?

It’s a reward in itself to regularly deposit to your bank account. The RCBC YGC Rewards Plus Mastercard takes it to another level by actually rewarding you for every deposit. Find out more in this review.

Get more reward points for every RCBC transaction

Reward points aren’t limited to credit card use with the RCBC YGC Rewards Plus Mastercard. You’ll also be rewarded when you:

  • Deposit to your RCBC peso checking account or savings account
  • Deposit to your RCBC US dollar savings account
  • Avail of RCBC auto loan or house loan
  • Get Malayan Insurance products

Collect reward points that don’t expire

Another reason to collect more reward points—they don’t expire! Earn and collect points locally and abroad for as low as ₱36 spend. You can then choose what to redeem from the RCBC YGC Rewards Plus Mastercard’s variety of rewards. It’s that easy!

Get exclusive access to NAIA airport lounges

Have you always wanted access to NAIA Terminals' airport lounges? Now’s your chance! Simply charge at least a single or accumulated $200 spending abroad to get free access to Club Manila and Skyway Airport Lounges for you and one more friend.

Access to complimentary budgeting tools

Easily manage your credit card spending with RCBC’S free budgeting tools. Use Spend Monitor to set your budget and get real-time SMS on your online, local, and overseas spending. You also have access to Spend Analyzer, a free financial tool that categorizes your spending for easy budgeting.

Is RCBC YGC Rewards Plus Mastercard for You?

The RCBC YGC Rewards Plus Mastercard is ideal for those who want to earn more reward points through their RCBC and Malayan Insurance transactions. Looking for something else? Here are credit cards you can choose from:

  • UnionBank Gold Visa Card. The rewards for this credit card are also non-expiring. It offers a variety of rewards like a Petron Value Card, free SM movie passes, and cash credits.
  • RCBC Black Platinum Mastercard. Another credit card with free access to Club Manila and Skyview Airport Lounges for you and your travel companion. But with this credit card, you get unlimited free access! Simply spend at least $200 overseas to avail of this perk.
  • Citi Rewards Card. This credit card will give you more rewards for lifestyle-related spending. Earn 3x reward points when you shop, dine, or purchase Cebu Pacific airline tickets.


Every ₱36 spend or ₱125 spend (made on supermarkets, drugstores, or gas stations) earns you one (1) rewards point from RCBC.

  • Deposits in Peso bank accounts - 1 point for every incremental MTD ADB of ₱1,000
  • Deposits in US Dollar Savings account - 1 point for every incremental MTD ADB of US$50
  • Auto Loan - 20 points for every ₱100,000 outstanding balance
  • House Loan - 20 points for every ₱200,000 outstanding balance
  • Malayan Insurance - 20 points for every ₱500 premium payment

Use your reward points to redeem any of the following rewards:
  • Air Miles
  • Cash Rebates
  • Shopping Vouchers
  • Cash Credit to Your Credit Card
  • Deposit to RCBC Bank account
  • Donations

Yes! Your YGC Rewards Plus credit card comes with free travel insurance of up to ₱100,000.

You can contact RCBC through the following hotlines: through phone at (02) 8888-1888 or through email at email@service.rcbcbankard.com. You may also check your credit card application status here.


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