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RCBC · Visa · Classic

AirAsia (Classic)

Why pick it: Free first year plus 10,000 welcome points

AirAsia co-brand Visa earning AirAsia points (2 per ₱25 on AirAsia); 2.50% FX fee and 300 bonus points at ₱30k monthly spend.

Score
30 /100
Rank
#52 of 123
Annual fee
₱3,600
Solid B
GET IT IF…Honest take

Free ang first year at 10,000 welcome points, pero AirAsia points lang ang earn, at mababa ang value nila sa data.

Bottom line: Kunin ito kung AirAsia ang main airline mo at gagamitin mo ang welcome points. Kung hindi, mababa ang balik pagkatapos ng year one.

Read the full take: the math, what's good, what hurts

Para sa typical household (~₱825k a year), ~₱3,000 ang balik, bilang AirAsia points. ₱3,600 ang annual fee pagkatapos ng free year; puwede mong hingin ang waiver, pero sa bank ang desisyon. -₱500 ang travel value, negative ayon sa data. Sa open list, #52 ito mula sa 123; 30 ang score.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • Libre ang annual fee sa first year, plus 10,000 AirAsia points para sa ₱20,000 na spend within 60 days ng card issuance.
  • Mababa ang income hurdle na ₱180,000, galing sa data. Mas mura rin ang 2.50% na foreign fee kumpara sa 3.5% na fee ng peso card.

What's bad

  • AirAsia points ang earn mo: 2 per ₱25 on AirAsia, 1 per ₱28 domestic, 1 per ₱22 international.
  • ₱300 a month ang fee, o ₱3,600 a year kapag tapos na ang free year. Hindi sinasabi ng page kung nag-e-expire ang points.
  • Sa first year lang ang Platinum status. Para mapanatili, kailangan mo ng ₱5,000 AirAsia spend o ₱200,000 other spend a year.

The catch: Walang lounge o insurance terms na nakalista sa page, kaya hindi namin masabi kung covered. Puwedeng isabay sa welcome gift ang no-annual-fee promo (₱30,000 within 60 days, until Dec 31, 2026). Galing sa data: naka-link dapat ang card sa AirAsia MOVE.

Rechecked on the bank page on 2026-10-24. Not on the page: lounge access; travel insurance; points expiry; minimum income. Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about ₱2,500 in rewards (₱3,000) and travel value (−₱500), before the ₱3,600 annual fee (on request; the bank decides)
To qualify:
₱180,000 a year income
Bank service:
About typical.

First year

Welcome offer:
No annual fee for life: ₱30k spend within 60 days of card receipt; new-to-RCBC applicants, apply by Dec 31, 2026 (online or branch) (ends Dec 31, 2026)
Annual fee:
No annual fee in year 1.

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#52 of 123 cards open to new applicants, and #73 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value10 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend6 / 37

      About ₱3,000 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers12 / 16

      A ₱3,600 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱500 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work

  • Promos and 0% installments10 / 15

    0% installment network: strong. Promos: fair, judged by what a typical household would likely save from the promos this card gets, past and current, with 35 live promos tracked. How it is scored

  • Points flexibility6 / 10

    1 airline partner, and points that expire. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path2 / 5

    Classic card level, plus how RCBC handles credit limit increases and card upgrades. How it is scored

  • App and service2 / 5

    Banking app: average. Service: about typical. How it is scored

  • Late fee1 / 2

    A late fee of ₱1,000 for one missed payment. How it is scored

On the default spend: about ₱3,000 a year in rewards and −₱500 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod44 COct 2444 COct 2630 BOct 2730 BNov 230 BNov 431 BNov 931 BNov 1030 BNov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱3,600
Supplementary fee
₱1,800
Fee waiver
On request; the bank decides
Foreign transaction fee
2.50%
Minimum income
₱180,000 a year

Rewards

AirAsia points: 1 per ₱28 domestic, 1 per ₱22 international, 2 per ₱25 on AirAsia. Monthly bonus of 300 points with ₱30,000 retail spend. The card must be linked to the AirAsia MOVE app.

Type
Points
Points expiry
unknown
Airline partners
AirAsia Rewards

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Live and upcoming promos (36)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 31 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official RCBC card page ↗