RCBC Gold Mastercard

Updated: Aug 18, 2026
RCBC Gold Mastercard
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Best for premium travelers & miles collectors
Card Benefit
1point per ₱36
Annual Fee
₱3,000 per year
Min. Annual Income
₱500,000

Highlights

Moneymax's Take

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.

Things to Consider

Free reward points
Travel insurance
High income requirement

Benefits

Rewards - Base Rate
1 point per ₱36
Rewards - Fuel Spend
1 point per ₱125
Rewards - Grocery Spend
1 point per ₱125

Fees & Charges

Annual Fee
₱ 3,000 per year
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
  • Active landline / mobile phone number
  • Signed Certificate of Employment
  • Proof of income


Self-Employed

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

Check on more RCBC card options

RCBC Diamond Card Platinum Mastercard
RCBCRCBC Diamond Card Platinum Mastercard
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RCBC Black Card Platinum Mastercard
RCBCRCBC Black Card Platinum Mastercard
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RCBC Classic Mastercard
RCBCRCBC Classic Mastercard
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Promo Code
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Annual Fee
₱2500 per year
₱3600
₱1500 per year
Cashback Local
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Airmiles Base Rate
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