RCBC Black Card Platinum Mastercard

RCBC Black Card Platinum Mastercard

Upgrade your credit card experience to platinum with the RCBC Black Card Platinum Mastercard! Earn reward points for as low as P30 and earn 5x on every overseas spend, either in-store or online. Plus, enjoy premium travel perks like free travel insurance and free access to airport lounges worlwide.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Annual Fee
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Rewards - Overseas Spend
5  point per ₱30
Rewards - Online Shopping
3  point per ₱30
Min. Annual Income
₱ 1,000,000
2 Offers Available
Receive 1x chance to open a Mystery Box!
Summer Blind Box Campaign
Receive 1x chance to open a Mystery Box!

Promo is valid until  June 6, 2026. Per DTI Fair Trade Permit No.  Series of 2026. T&Cs apply. Disclaimer: Applicant must be New-to-Bank applicant and an existing card holder from a different credit card provider registered under the Credit Bureau TransUnion Philippines.

  • Customers may choose to open one of 3 available Mystery Box categories, which contain the following rewards:
    • Mystery Box 1: Adventure
      • JBL Go 5 (worth S$2,899)
      • Apple AirTag (worth S$1,800)
      • ₱1,500 Klook Voucher
      • ₱500 Grab Voucher
      • ₱500 Personal Accident Insurance
    • Mystery Box 2: Chill
      • Xiaomi Redmi Soundbar (worth ₱2,499)
      • ₱1,000 Karada Voucher 
      • ₱1,000 Bioessence Voucher
      • ₱1,000 SM Cinema Voucher
    • Mystery Box 3: Pro Gamer Arena
      • Jisulife Neck Fan Life3 (worth ₱1,850)
      • Xiaomi Mijia Portable Juicer 2 (worth ₱1,299)
      • ₱500 Starbucks Voucher
      • ₱500 Watsons Voucher
  • Promotion is stackable with MoneyMax Exclusive Offer reward.
  • Terms and Conditions apply.
₱50,000 eGift
Moneymax Swipe Into Summer Campaign
MMX (50K eGift via Giftaway) ₱50,000 eGift

Promo is valid until May 31, 2026. Per DTI Fair Trade Permit No. 257109  Series of 2026. T&Cs apply. Disclaimer: Applicant must be New-to-Bank applicant and an existing card holder from a different credit card provider registered under the Credit Bureau TransUnion Philippines.

Things to consider

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Shopping points

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Online shopping points

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Travel insurance

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High income requirement

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Benefits

Rewards

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Rewards - Base Rate
1  point per ₱30
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Rewards - Overseas Spend
5  point per ₱30
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Rewards - Online Shopping
3  point per ₱30
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Quick Facts

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Non-expiring reward points.

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Free Travel Insurance up to ₱1,000,000.

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Free Purchase Protection up to P50,000.

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Free access to Marhaba/Skyview Lounge at NAIA Terminal 3.

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0% installment for your purchases abroad.

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Eligibility

Eligibility Criteria

Minimum Age
65  years old
Maximum Age
65  years old
Min. Annual Income
₱ 1,000,000
Landline Required
Required
Credit Card Required
Not required
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Fees / Repayment

Fees & Charges

Annual Fee
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Annual Fee Waiver
Yes
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Monthly Effective Interest Rate
3  %
Cash Advance Fee
₱ 200
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Tags

RCBC Black Card Platinum Mastercard RCBC Black Card Platinum Mastercard

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