Flex Gold Visa
Gold
RCBC · Visa · Gold
Flex Gold Visa
Why pick it: Choose 3 bonus categories, like travel
Gold Visa with three selectable bonus categories (default gas, supermarket, department store) earning 2 points per ₱50 or ₱125; ₱50k travel insurance.
- Score
- 24 /100
- Rank
- #79 of 123
- Annual fee
- ₱3,000
May bonus categories na pipiliin mo, pero 2 points per ₱125 lang ang grocery at gas, from our data.
Bottom line: Hindi sulit ang ₱3,000 fee kung babayaran mo, kasi mababa ang return. Skip mo ito maliban kung makuha mo sa promo at tugma ang tatlong categories sa spending mo.
Read the full take: the math, what's good, what hurts
Sa typical household (~₱825k a year), ~₱1,500 ang makukuha dito. ₱3,000 ang yearly fee. Pwede mong hilingin ang waiver (from our data), bahala ang bank. Negatibo rin ang travel value na -₱1,500 from our data. Puwesto: #79 sa 123 cards; score 24.
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
- 3 bonus categories ang pipiliin mo mula sa Grocery, Gas, Travel, Department Store at Household Appliances; may points pa rin ang ibang spend.
- May no-annual-fee promo: ₱40,000 spend within 60 days, new-to-RCBC, until Dec 31, 2026.
- Hindi nag-e-expire ang points, at may Travel Plus Lite insurance at purchase protection kapag sa card sinisingil ang international travel.
What's bad
- 2 points per ₱50 ang Travel, Department Store at Appliances, pero per ₱125 lang ang Grocery at Gas, from our data.
- Mataas ang 3.50% sa foreign-currency spend, per the peso-card fee schedule.
- ₱50,000 lang ang accidental death cover, at kailangang i-charge ang international tickets sa card.
- Hindi free ang PAGSS lounge: ₱3,000 ang walk-in, per the lounge page.
The catch: Puwedeng palitan ang 3 categories isang beses kada cycle sa hotline, from our data. Hindi ipinapakita ng card page ang earn rates, foreign fee, bonus cap o minimum income; ang ₱500,000 a year na income ay from our data. May 'First Year Membership Fee: WAIVED' row ang fee schedule, pero hindi nito pinangalanan ang card.
Rechecked on the bank page on 2026-10-24. Not on the page: bonus and base earn rates; bonus cap; 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 ₱0 in rewards (₱1,500) and travel value (−₱1,500), before the ₱3,000 annual fee (on request; the bank decides)
- To qualify:
- ₱500,000 a year income
- Bank service:
- About typical.
First year
- Welcome offer:
- No annual fee for life: ₱40k 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
#79 of 123 cards open to new applicants, and #110 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value4 / 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 ₱1,500 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 ₱3,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend0 / 10
About −₱1,500 of travel value on one trip abroad a year, after the 3.50% 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 36 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 path2 / 5
Gold 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 −₱1,500 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
- ₱3,000
- Supplementary fee
- ₱1,500
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 3.50%
- Minimum income
- ₱500,000 a year
Rewards
Pick 3 bonus categories, changeable once per billing cycle. 2 points per ₱50 on travel, department stores and household appliances, or 2 points per ₱125 on groceries and gas, when picked. Base: 1 point per ₱50, 1 point per ₱125 at service merchants, 1 point per ₱250 on 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 ₱50,000, 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 (37)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- SM Appliance Center Anniversary Sale: up to 60% off straight, up to 45% off with 0% up to 24 monthsScore 86RCBCEnds Nov 30, 2026All RCBC credit cards
- RCBCEnds Nov 18, 2026All RCBC credit cards
- RCBCEnds Nov 16, 2026All RCBC credit cards
- Spend Anywhere Overseas Visa (Oct 2026-Jan 2027): up to P8,000 cash rebate on foreign-currency spendScore 70RCBCEnds Jan 22, 2027Register first4 RCBC cards: Flex Gold Visa, Flex Visa, AirAsia Platinum…
- RCBCEnds Jan 31, 2027Register firstAll RCBC credit cards
Show 32 more
- RCBCEnds Dec 31, 2026All RCBC credit cards
- RCBCEnds Dec 31, 2026All RCBC credit cards
- RCBCEnds Dec 31, 2026All RCBC credit cards
- RCBCEnds Dec 31, 2026All RCBC credit cards
- VisaEnds Mar 31, 2029Register firstAll Visa cards, any bank
- RCBCEnds Dec 15, 2026Register firstAll RCBC credit cards
- RCBCEnds Nov 15, 2026Register first6 RCBC cards: Classic (MC or JCB), YGC Rewards Plus RCBC Visa Classic, Flex Visa…
- FREE Jack n' Jill Sweet Treats Pack at Puregold with ₱4,000 single receipt (RCBC credit cards)Score 67RCBCEnds Nov 30, 2026All RCBC credit cards
- RCBCEnds Nov 12, 2026All RCBC credit cards
- RCBCEnds Dec 31, 2026All RCBC credit cards
- VisaEnds Oct 31, 2027All Visa cards, any bank
- RCBCEnds Dec 31, 2026Register firstRCBC Visa cards
- RCBCEnds Mar 4, 2027RCBC Visa cards
- RCBCEnds Dec 31, 2026All RCBC credit cards
- RCBCEnds Dec 31, 2026Register firstAll RCBC credit cards
- RCBCEnds Dec 31, 2026All RCBC credit cards
- Visa x 7-Eleven Tap to Premyo: e-raffle entry per 7-Eleven receipt with RCBC Visa (711 winners)Score 60RCBCEnds Mar 4, 2027Register firstRCBC Visa cards
- RCBCEnds Nov 13, 2026All RCBC credit cards
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027All Visa cards, any bank
- Miladay Rendezvous Collection: 20% off with 0% installment up to 12 months plus Buy Now, Pay LaterScore 58RCBCEnds Dec 31, 2026All RCBC credit cards
- Helios solar: 10% off Luxpower packages, 5% off Helios packages, 0% installment up to 36 monthsScore 58RCBCEnds Dec 31, 2026All RCBC credit cards
- VisaEnds Mar 4, 2027Register firstAll Visa cards, any bank
- RCBCEnds Apr 30, 2027All RCBC credit cards
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027Register firstAll Visa cards, any bank
- RCBCStarts Nov 13, 2026Register firstAll RCBC credit cards
- RCBCEnds Dec 31, 2026All RCBC credit cards
- RCBCEnds Nov 14, 2026All RCBC credit cards
- RCBCEnds Dec 31, 2026All RCBC credit cards
- Maroon 5 Asia 2027 Tour: raffle entries per PHP 1,000 Visa spend (4 monthly draws, Sep-Dec 2026)Score 41RCBCEnds Dec 31, 2026RCBC Visa cards
- FREE CDO Holiday Ham (1kg) at WalterMart Supermarket with RCBC credit cards (₱8,000 single receipt)Score 39RCBCEnds Nov 30, 2026All RCBC credit cards
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.