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RCBC · Mastercard · World

Hexagon Club Priority World MC

Why pick it: Free for life plus unlimited NAIA 1 lounge

Priority-banking World Mastercard, free for life with a ₱1M RCBC deposit; World earn rates (1 point per ₱30 local, ₱10 overseas), unlimited local lounge.

Score
40 /100
Status
By invitation
Annual fee
Free for life
#47 of all 170 scored cardsNeeds ₱1M with RCBCThin data

Thin data: the bank does not publish the income requirement. Check with the bank before you apply.

BY INVITATION ONLYHonest take

World Mastercard na free for life para sa Hexagon Club Priority members. Ayon sa data, by invitation lang ito.

Bottom line: May Priority banking ka na ba at inalok na ang card? Kunin mo ito, kasi free. Kung wala pa, huwag kang mag-ipon ng ₱1M para sa card na ito lang.

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

Annual fee: ₱0. Kung hawak mo na ito, ~₱3,000 ang balik ng typical household (~₱825k a year), na may ~₱0 na travel value. 40 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

  • Free for life, at free rin ang hanggang 9 supplementary cards.
  • Unlimited PAGSS lounge sa NAIA Terminal 1 (kailangan ng international boarding pass), plus 1 free Priority Pass visit a year.
  • Hindi nag-e-expire ang points, at kasama sa travel insurance ang overseas medical.

What's bad

  • Kailangan mo ng Hexagon Club Priority membership, at kailangang may ₱1M ka sa RCBC peso savings o checking account, galing sa data.
  • Mataas ang foreign fee (3.50%), per the peso-card fee schedule.
  • 1 point per ₱30 ang earn sa local at 1 point per ₱10 sa international, galing sa data.

The catch: Hindi sinasabi ng page na by invitation ito. Ang sinasabi lang, para ito sa Hexagon Club Priority members, subject to credit evaluation. Galing sa data ang by-invitation status, ang deposit at ang earn rate. Wala sa card page ang income, foreign fee at insurance amount; nasa fee schedule ang foreign fee. Magtanong ka sa bank bago ka mag-ipon para dito.

Rechecked on the bank page on 2026-10-24. Not on the page: by-invitation wording; deposit requirement; minimum income; foreign fee (on fee schedule page only); earn rate; travel insurance amount. 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 ₱3,000 in rewards, before the card's fees (no annual fee)
To qualify:
By invitation; Hexagon Club Priority (priority banking) membership required · Maintain ₱1M deposit in RCBC peso savings or checking · Subject to credit evaluation (by invitation)
Deposit with the bank:
Needs ₱1M with RCBC
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value15 / 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 spend7 / 37

      About ₱3,000 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

      No annual fee. How the bars work

    • Travel and perks on the default spend2 / 10

      No 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). 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 32 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

    World 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 ₱3,000 a year in rewards and ₱0 in travel value.

Score over time

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

methodmethodmethodmethod55 AOct 2455 AOct 2639 BOct 2740 BNov 240 BNov 440 BNov 940 BNov 1040 BNov 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
Free for life
Supplementary fee
₱0
Fee waiver
No annual fee
Foreign transaction fee
3.50%
Minimum income
By invitation
Also needs
Hexagon Club Priority (priority banking) membership required · Maintain ₱1M deposit in RCBC peso savings or checking · Subject to credit evaluation

Rewards

Needs Hexagon Club Priority membership. 1 point per ₱10 on international spend and 1 point per ₱30 locally, including service merchants and Fast BillsPay.

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

Travel perks

International lounge visits
1 a year
Local lounge
unlimited
Travel insurance
None

Strengths

  • No annual fee for life
  • Unlimited local lounge access
  • Points don't expire; 3 airline partners

Watch out for

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

Live and upcoming promos (33)

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

Show 28 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.

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