RCBC Black Card Platinum Mastercard

Updated: Aug 18, 2026
RCBC Black Card Platinum Mastercard
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Card Benefit
1- 5 points per ₱30
Annual Fee
₱3,600 per year
Min. Annual Income
₱1,000,000

Highlights

Moneymax's Take

Non-expiring reward points.
Free Travel Insurance up to ₱1,000,000.
Free Purchase Protection up to P50,000.

Things to Consider

Shopping points
Online shopping points
Travel insurance

Benefits

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

Fees & Charges

Annual Fee
₱ 3,600
Cash Advance Fee
₱ 200

Monthly Effective Interest Rate
3 %

Eligibility

Min. Annual Income
₱ 1,000,000
Minimum Age
21 years old

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Promo Code
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Annual Fee
₱5500 per year
₱3600
₱4800
Cashback Local
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Airmiles Base Rate
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