Airmiles Visa Signature
Signature
RCBC · Visa · Signature
Airmiles Visa Signature
Why pick it: 1 airmile per ₱48 local, ₱25 abroad, no expiry
Miles card: 1 Signature Airmile per ₱48 local and ₱25 overseas, converting 1:1 to partner miles; unlimited local lounges, up to ₱20M travel insurance.
- Score
- 67 /100
- Rank
- #6 of 123
- Annual fee
- ₱5,500
Top ng RCBC ranking namin: miles, mababang foreign fee, unlimited local lounge.
Bottom line: Kung lumilipad ka at pasok sa income, unahin mo ito sa RCBC. Kung hindi, huwag ka nang magbayad ng fee para sa miles na hindi mo magagamit.
Read the full take: the math, what's good, what hurts
Ang annual fee ay ₱5,500, free sa first year per the page. Pagkatapos, sabi ng data, puwede kang humiling ng waiver, pero sa bank ang desisyon. Para sa typical household (~₱825k a year), nasa ~₱11,500 ang bumabalik, plus ~₱3,500 na travel value. #6 ang puwesto nito sa 123 cards, 67 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 Signature Airmile per ₱48 local at ₱25 abroad, na nako-convert 1:1 sa Asia Miles, Mabuhay Miles at AirAsia Rewards. Hindi nag-e-expire ang miles.
- 1.50% ang foreign fee hanggang Dec 31, 2026 (1.70% standard).
- Unlimited PAGSS lounge sa NAIA Terminal 1 (kailangan ang international boarding pass), at insurance up to ₱20M kung i-charge mo ang international tickets sa card.
- Welcome gift: ₱12,000 Travel Club voucher o PAL e-gift card para sa ₱100,000 spend within 60 days (new-to-RCBC, Oct 16 to Dec 31, 2026).
What's bad
- Mataas ang income requirement: ₱1,000,000. Galing sa data ang figure na ito, wala ito sa bank page.
- Priority Pass: up to 4 free visits a year, pero ₱250,000 spend sa isang quarter ang kailangan para sa bawat isa. Hindi namin binilang.
The catch: Terms ng welcome gift: bayaran ang full annual fee at huwag mag-cancel within 24 months, per the promo page. Mag-confirm sa bank tungkol sa income.
Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; welcome gift (it is on a separate promo page). 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 ₱15,000 in rewards (₱11,500) and travel value (₱3,500), before the ₱5,500 annual fee (on request; the bank decides)
- To qualify:
- ₱1,000,000 a year income
- Bank service:
- About typical.
First year
- Welcome offer:
- Welcome gift: ₱12,000 Travel Club voucher or PAL e-gift card for ₱100k spend within 60 days of card receipt; new-to-RCBC applicants, apply Oct 16 to Dec 31, 2026 (ends Dec 31, 2026)
- Annual fee:
- Principal and supplementary fees waived 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.
Who can apply
- Age:
- 21 to 70.
Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; 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
#6 of 123 cards open to new applicants, and #9 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value42 / 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 spend24 / 37
About ₱11,500 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 ₱5,500 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend5 / 10
About ₱3,500 of travel value on one trip abroad a year, after the 1.70% 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 37 live promos tracked. How it is scored
- Points flexibility9 / 10
3 airline partners, and points that do not expire. How it is scored
- Credit limit and upgrade path4 / 5
Signature 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 ₱11,500 a year in rewards and ₱3,500 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- 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
- ₱5,500
- Supplementary fee
- ₱2,750
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 1.70%
- Minimum income
- ₱1,000,000 a year
Rewards
1 Signature Airmile per ₱48 on domestic spend (in-store, online and bills payment) and 1 per ₱25 on overseas spend. Converts 1:1 to partner miles, minimum redemption 2,500.
- Type
- Miles
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles, Cathay Asia Miles, AirAsia Rewards
Travel perks
- International lounge visits
- None
- Local lounge
- unlimited
- Travel insurance
- Up to ₱20,000,000, covers family
Strengths
- Low FX fee (1.70%)
- Unlimited local lounge access
- Travel insurance up to ₱20M covering family
- Points don't expire; 3 airline partners
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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.
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