RCBC Flex Gold Visa

Updated: Aug 18, 2026
RCBC Flex Gold Visa
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Best for customizable earners (3 boosted categories)
Ideal for
Rewards Seekers
Card benefit
1- points per ₱50
Annual Fee
₱0 (No Annual Fee)
Min. Annual Income
₱500,000

Highlights

Moneymax's Take

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.

Things to Consider

Airport lounge
Travel insurance
Free reward points

Benefits

Rewards - Travel Spend
2 point per ₱50
Rewards - Fuel Spend
2 point per ₱125
Rewards - Base Rate
1 point per ₱50
Rewards - Grocery Spend
2 point per ₱125

Fees & Charges

Annual Fee
₱ 0 (No Annual Fee)
Cash Advance Fee
₱ 200

Monthly Effective Interest Rate
3 %

Eligibility

Min. Annual Income
₱ 500,000
Minimum Age
21 years old

Regular Employee

  • Government-issued ID
  • Valid TIN / SSS / GSIS or UMID number
  • Signed Certificate of Employment
  • Proof of income


Self-Employed

  • Government-issued ID
  • Valid TIN / SSS / GSIS or UMID number
  • Audited Financial Statements
  • Business registration/permits

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