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RCBC · Mastercard · Platinum

Black Card Platinum MC (Peso or Dollar)

Why pick it: Up to ₱1M travel insurance, points never expire

Platinum points card: 1 point per ₱36 on discretionary spend, ₱125 on supermarkets, drugstores and gas; up to ₱1M travel insurance.

Score
25 /100
Rank
#71 of 123
Annual fee
₱3,600
Solid C
GET IT IF…Honest take

Black ang pangalan, pero 1 point per ₱36 lang sa discretionary spend, at mababa ang balik, per the RCBC rewards table.

Bottom line: Kunin lang ito kung libre dahil sa promo at gumagastos ka ng mga ₱70,000 overseas para sa lounge waiver. Kung hindi, mas malaki ang balik ng ibang cards sa ranking namin.

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

Kung typical household (~₱825k a year) ka, ~₱1,500 lang ang balik mo. ₱3,600 ang annual fee; pwede mong hilingin ang waiver (from our data), bahala ang bank. Negative ang travel value na ~-₱1,000 in our data. #71 ito sa 123 open cards, 25 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 hanggang 5 supplementary cards.
  • Hanggang ₱1,000,000 na travel insurance para sa tickets na ₱25,000 pataas na siningil sa card (₱500,000 kung mas mura), plus purchase protection.
  • Walang expiry ang points, at up to US$200 ang e-commerce protection.
  • Pwedeng maging libre ang fee dahil sa no-annual-fee promo: ₱60,000 spend within 60 days, new-to-RCBC, kung mag-apply hanggang Dec 31, 2026.

What's bad

  • 1 point per ₱36 sa discretionary merchants at per ₱125 sa service merchants, per the default rewards table ng RCBC.
  • Mataas ang 3.50% na foreign transaction fee, per the peso-card fee schedule.
  • Hindi free ang PAGSS lounge: ₱3,000 walk-in rate, waived lang kung may ₱70,000 overseas spend within 30 days.

The catch: Wala sa card page ang earn rate at income requirement. Galing ang earn sa rewards page, na nagsasabing puwedeng magkaiba ang earn kada card, at ang income ay from our data. May general 'First Year Membership Fee: WAIVED' row sa fee schedule, pero walang pangalan ng card.

Rechecked on the bank page on 2026-10-24. Not on the page: earn rate on card page; foreign fee (on fee schedule page only); minimum income; first-year fee waiver for this card. 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 ₱500 in rewards (₱1,500) and travel value (−₱1,000), before the ₱3,600 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 (online or branch) (ends Dec 31, 2026)

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

#71 of 123 cards open to new applicants, and #101 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value6 / 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 spend4 / 37

      About ₱1,500 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 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 −₱1,000 of travel value on one trip abroad a year, after the 3.50% 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% installments9 / 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 31 live promos tracked. How it is scored

  • Points flexibility5 / 10

    3 airline partners, and points that do not 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 ₱1,500 a year in rewards and −₱1,000 in travel value.

Score over time

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

methodmethodmethodmethod45 BOct 2446 BOct 2625 COct 2725 CNov 225 CNov 425 CNov 926 CNov 1025 CNov 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
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱1,000,000 a year

Rewards

1 point per ₱36 at dining, shopping and travel merchants, 1 point per ₱125 at supermarkets, drugstores and gas, and 1 point per ₱250 on utilities through Fast BillsPay.

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles, Cathay Asia Miles, AirAsia Rewards

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
Up to ₱1,000,000, covers family

Strengths

  • Points don't expire; 3 airline partners

Watch out for

  • High FX fee (3.50%): avoid using it abroad

Live and upcoming promos (32)

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

Show 27 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 ↗