RCBC JCB Classic

Updated: Aug 18, 2026
Best starter rewards card with installment/budget tools
RCBC JCB Classic
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Card Benefit
1- point / ₱36
Annual Fee
₱1,500 per year
Min. Annual Income
₱250,000

Highlights

Moneymax's Take

Earn one (1) reward point for every ₱36 spend
Earn one (1) reward point for every ₱125 supermarket, drugstore, or gas station spend
Free travel insurance and purchase protection up to ₱50,000

Things to Consider

Free reward points
Travel insurance
Exclusive discounts

Benefits

Rewards Points Baseline
1 point per ₱36
Rewards Points Grocery
1 point per ₱125
Rewards Points Petrol
1 point per ₱125

Fees & Charges

Annual Fee
₱ 1,500 per year
Cash Advance Service Charge
₱ 200

Interest Rate
3 %

Eligibility

Min. Annual Income
₱ 250,000
Minimum Age
21 years old

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