Skip to content
SulitCard
Illustration, not the bank's artwork.

RCBC · Mastercard · Platinum

Diamond Platinum MC

Why pick it: Low ₱2,500 fee and points that never expire

Platinum affinity card: 1 point per ₱50 on discretionary spend, with the bank donating ₱0.10 per ₱100 spent to a chosen charity.

Score
22 /100
Rank
#92 of 123
Annual fee
₱2,500
Borderline C/D
GET IT IF…Honest take

Low fee na puwedeng maging free sa promo, pero manipis ang earn ayon sa data.

Bottom line: Puwede ito kung mababang fee at insurance ang hanap mo. Kung rewards ang habol, maraming card sa ranking namin ang mas mataas.

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

~₱1,000 lang ang rewards ng typical household (~₱825k a year). Ayon sa fee schedule, ₱2,500 ang fee; ang waiver ay hinihingi mo sa bank at sila ang nagpapasya, galing sa data. Negative din ang travel, ~-₱2,000. Ang puwesto nito sa 123 cards ay #92, at 22 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

  • Up to ₱1,000,000 in travel insurance on tickets of ₱25,000 and up (₱500,000 below that) charged to the card, plus e-commerce protection up to US$200.
  • Libre ang hanggang 3 supplementary cards, at walang expiry ang points.
  • ₱0.10 per ₱100 ang napupunta sa charity, bank-funded ayon sa data, kaya walang extra return para sa iyo.

What's bad

  • Ayon sa data, 1 point per ₱50 ang earn sa discretionary spend, per ₱125 sa supermarket, drugstore at gas.
  • Sinisingil ng 3.50% service fee ang foreign currency transactions ng peso card, ayon sa fee schedule.
  • Hindi nakalista ang Diamond sa PAGSS lounge page. 'Access to World-Class Airport Lounges' lang ang sinasabi ng card page, kaya itanong sa bank kung may free entry.

The catch: Wala sa card page ang earn rate at foreign fee; sa data at sa fee schedule sila galing. The fee can be free through the promo (₱60,000 spend within 60 days, new-to-RCBC, apply until Dec 31, 2026). May general na 'First Year Membership Fee: WAIVED' row ang fee schedule na walang pangalan ng card.

Rechecked on the bank page on 2026-10-24. Not on the page: earn rate; 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 −₱1,000 in rewards (₱1,000) and travel value (−₱2,000), before the ₱2,500 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)

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

#92 of 123 cards open to new applicants, and #128 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value3 / 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 spend3 / 37

      About ₱1,000 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 waivers16 / 16

      A ₱2,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱2,000 of travel value on one trip abroad a year, after the 3.50% foreign fee. It includes 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 flexibility4 / 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 ₱1,000 a year in rewards and −₱2,000 in travel value.

Score over time

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

methodmethodmethodmethod45 COct 2445 BOct 2621 DOct 2721 CNov 221 CNov 421 CNov 922 CNov 1022 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
₱2,500
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 ₱50 on discretionary spend, 1 point per ₱125 at supermarkets, drugstores and gas, 1 point per ₱250 on Fast BillsPay. The bank also donates part of your spend to a charity you choose.

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 ↗