Hexagon Club Privilege Platinum MC
Platinum
RCBC · Mastercard · Platinum
Hexagon Club Privilege Platinum MC
Why pick it: Free for life with unlimited NAIA lounge access
Free-for-life Platinum Mastercard for Hexagon Club Privilege members (₱100k RCBC deposit); 1 point per ₱36 discretionary spend, unlimited local lounge.
- Score
- 27 /100
- Status
- By invitation
- Annual fee
- Free for life
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Platinum card na free for life para sa Hexagon Club members. By invitation lang ito, ayon sa data.
Bottom line: Hexagon Club member ka na ba? Kunin mo, kasi libre. Kung hindi, hindi sulit ang deposit para sa ganitong kaliit na balik. Mag-verify muna sa bank.
Read the full take: the math, what's good, what hurts
Libre ang annual fee (₱0), kaya walang ibabawas. Kung hawak mo na ito, ang typical household (~₱825k a year) ay may ~₱1,500 na rewards at ~-₱1,000 na travel value. Score nito: 27.
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 supplementary cards hanggang 3; ₱1,800 a year ang sobra, per fee schedule.
- Unlimited PAGSS Lounge sa NAIA Terminal 1, plus travel insurance at purchase protection kapag sa card siningil ang international travel.
- Walang expiry ang Rewards Points, at hanggang US$200 ang Mastercard e-Commerce Purchase Protection.
What's bad
- Kailangan ng Hexagon Club membership. Galing sa data na kailangan mong mag-maintain ng ₱100k sa RCBC.
- 3.50% ang service fee sa foreign currency transactions, per the RCBC peso-card fee schedule.
- 1 point per ₱36 lang ang earn, galing sa data, kaya mababa ang balik.
The catch: Hexagon Club Platinum Mastercard ang title ng page, at sinasabi nitong para sa 'qualified members, subject to credit evaluation'. Nakalista rin dito ang Hexagon Club perks tulad ng relationship manager at waived branch fees. Ang by-invitation status, ang deposit at ang earn rate ay galing sa data. Hindi binabanggit ng card page ang income at foreign fee. Sa Travel Plus page, ₱1,000,000 ang travel cover para sa tickets na ₱25,000 pataas. Mag-confirm sa bank.
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 on the card page. 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 card's fees (no annual fee)
- To qualify:
- By invitation; Hexagon Club Privilege membership required · Maintain ₱100k in RCBC peso or FCDU savings or checking · Subject to credit evaluation (by invitation)
- Bank service:
- About typical.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value8 / 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 waivers16 / 16
No annual fee. 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 30 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.
- 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 Privilege membership required · Maintain ₱100k in RCBC peso or FCDU savings or checking · Subject to credit evaluation
Rewards
Needs Hexagon Club membership. 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
- unlimited
- Travel insurance
- Up to ₱1,000,000, covers family
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
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As of Nov 11, 2026. Check each promo's source before you rely on it.
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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.
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