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RCBC · Visa · Platinum

AirAsia Platinum

Why pick it: 1.85% foreign fee and unlimited NAIA lounge

AirAsia co-brand Visa earning AirAsia points (2 per ₱25 on AirAsia); 1.85% FX fee, unlimited PAGSS lounge access, ₱5M travel insurance.

Score
35 /100
Rank
#44 of 123
Annual fee
₱4,800
Solid B
GET IT IF…Honest take

Para sa AirAsia flyers: 15,000 welcome points, mababa ang foreign fee at unlimited lounge. Sa iba, AirAsia points lang ang earn mo.

Bottom line: AirAsia ba ang main airline mo? Sulit ang welcome points at lounge. Kung hindi, AirAsia points lang ang earn mo.

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

Para sa typical household (~₱825k a year), nasa ~₱3,000 ang bumabalik at ~₱500 ang travel value. ₱4,800 ang annual fee; pwede kang mag-request ng waiver, bahala ang bank. #44 ito sa 123, 35 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

  • 1.85% ang foreign fee, mas mababa kaysa sa 3.5% fee ng peso card.
  • Unlimited PAGSS lounge sa NAIA Terminal 1 (principal lang, kailangan ng international boarding pass), at travel insurance up to ₱5M kung i-charge mo ang international tickets sa card.
  • 15,000 AirAsia points na welcome gift kapag nag-spend ka ng ₱40,000 within 60 days. New-to-RCBC lang, at dapat naka-link sa AirAsia MOVE.

What's bad

  • AirAsia points ang earn mo, hindi cash rebate.
  • Up to 7x lang ang rate sa AirAsia flights at MOVE spend, at automatic lang ang Platinum status sa unang taon.
  • Hindi sinasabi ng page kung nag-e-expire ang points.

The catch: Hindi hinihiwalay ng page ang local at overseas earn ('as low as ₱22' per point); ang split ay from our data. Ang 500 bonus points ay para sa ₱50,000 domestic spend kada buwan. Puwedeng isabay ang no-annual-fee promo (₱60,000 within 60 days, until Dec 31, 2026) sa welcome gift. Hindi nakalista sa page ang income requirement; kumpirmahin sa bank.

Rechecked on the bank page on 2026-10-24. Not on the page: local and overseas earn split; points expiry; minimum income; first-year fee waiver. 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 ₱3,500 in rewards (₱3,000) and travel value (₱500), before the ₱4,800 annual fee (on request; the bank decides)
To qualify:
₱1,000,000 a year income
Bank service:
About typical.

First year

Welcome offer:
No annual fee for life: ₱60k spend within 60 days of card receipt; new-to-RCBC applicants, apply by Dec 31, 2026 (ends Dec 31, 2026)
Annual fee:
First-year annual fee waived, per the bank's fees page.

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

#44 of 123 cards open to new applicants, and #64 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value13 / 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 spend7 / 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 waivers8 / 16

      A ₱4,800 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend3 / 10

      About ₱500 of travel value on one trip abroad a year, after the 1.85% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and travel insurance, though insurance counts only a little toward this figure and the score. 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 36 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 path3 / 5

    Platinum 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.

methodmethodmethodmethod47 BOct 2447 BOct 2634 BOct 2735 BNov 235 BNov 435 BNov 935 BNov 1035 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
₱4,800
Supplementary fee
₱2,400
Fee waiver
On request; the bank decides
Foreign transaction fee
1.85%
Minimum income
₱1,000,000 a year

Rewards

AirAsia points, as low as ₱22 per point per the page. Monthly bonus of 500 points with ₱50,000 spend. Platinum status in year one gives up to 7x points on AirAsia flights and MOVE.

Type
Points
Points expiry
unknown
Airline partners
AirAsia Rewards

Travel perks

International lounge visits
None
Local lounge
unlimited
Travel insurance
Up to ₱5,000,000, covers family

Strengths

  • Low FX fee (1.85%)
  • Unlimited local lounge access

Live and upcoming promos (37)

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

Show 32 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 ↗