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RCBC · Mastercard or JCB · Gold

Gold

Why pick it: Points never expire, ₱50k travel accident cover

Gold points card: 1 point per ₱36 on discretionary spend, ₱125 on supermarkets, drugstores and gas; ₱50k travel insurance.

Score
23 /100
Rank
#87 of 123
Annual fee
₱3,000
Solid C
SKIP ITHonest take

₱3,000 ang fee ng Gold card na ito, pero manipis ang balik ayon sa earn rules namin.

Bottom line: Hindi sulit ang ₱3,000 sa ganito kababang return, kaya skip. Kung libre mo siyang makukuha sa promo, saka mo na lang pag-isipan.

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

Ang fee ay ₱3,000. Ayon sa data, may option kang hilingin sa bank na i-waive ito; sila ang may huling salita. Umaabot sa ~₱1,500 ang rewards ng typical household (~₱825k a year), at sa travel side, negative ang net na ~-₱2,000. May 23 na score ito, kaya #87 ang puwesto sa 123 cards.

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

  • No-annual-fee promo for the Gold Mastercard: ₱40,000 spend within 60 days, new-to-RCBC only, apply until Dec 31, 2026 (face-to-face channels).
  • Rewards Points never expire. Travel Plus Lite insurance and purchase protection apply when you charge all international travel needs to the card.
  • Ang income hurdle ay ₱500,000 a year, galing sa data.

What's bad

  • Earn na 1 point per ₱36 lang sa discretionary spend, galing sa data.
  • Ayon sa fee schedule, may 3.50% service fee sa foreign currency transactions ng peso card.
  • ₱50,000 lang ang accidental death cover. Ayon sa lounge page, ₱3,000 per visit ang standard PAGSS walk-in rate ng mga card na hindi nakalista para sa free access.

The catch: Ang earn rate, foreign fee at income requirement ay hindi nakasaad sa card page; galing sila sa data at sa fee schedule. May general na 'First Year Membership Fee: WAIVED' row ang fee schedule na walang pangalan ng card. Mastercard ang na-score dito.

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 −₱500 in rewards (₱1,500) and travel value (−₱2,000), 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

#87 of 123 cards open to new applicants, and #121 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 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 ₱3,000 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. 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 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 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 −₱2,000 in travel value.

Score over time

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

methodmethodmethodmethod43 COct 2443 COct 2622 COct 2723 CNov 223 CNov 423 CNov 923 CNov 1023 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
₱3,000
Supplementary fee
₱1,500
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱500,000 a year

Rewards

1 point per ₱36 on discretionary spend, 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 (39)

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

Show 34 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 ↗