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RCBC · JCB · Platinum

JCB Platinum

Why pick it: 1 point per ₱25 in Japan, points never expire

JCB points card: 1 point per ₱36 local and ₱25 in Japan; eight LoungeKey visits to Dec 31, 2026 plus Japan merchant promos.

Score
29 /100
Rank
#55 of 123
Annual fee
₱3,600
Solid B
GET IT IF…Honest take

Pang-Japan ito. Sa local spend, as low as ₱36 per point lang, at limitado ang JCB acceptance sa labas ng Asia, from our data.

Bottom line: Madalas ka bang pumunta ng Japan, at gagamitin mo ba ang lounge visits? Pwede ito. Kung hindi, mas malaki ang balik ng ibang cards sa ranking namin.

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

Para sa typical household (~₱825k a year), nasa ~₱1,000 ang kita ng card, at ~₱0 sa travel side. ₱3,600 ang annual fee. Puwede mong hingin ang waiver, pero sa bank ang desisyon. 29 ang score, #55 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

  • 1 point per ₱25 sa Japan. Walang expiry ang points, per the rewards page.
  • Up to 8 free LoungeKey visits sa JCB-selected lounges hanggang Dec 31, 2026.
  • Up to ₱1,000,000 na travel insurance kapag ₱25,000 pataas ang ticket at na-charge sa card (₱500,000 kung mas mura), plus Hertz discount at 24/7 concierge.

What's bad

  • Sabi ng page, 'As low as ₱36' per point sa local spend.
  • Malaki ang singil sa foreign transactions: 3.50%, per the peso-card fee schedule.
  • Hindi free ang PAGSS lounge: ₱3,000 ang walk-in rate, waived kapag may ₱70,000 overseas spend within 30 days.

The catch: Hanggang Dec 31, 2026 lang ang 8 lounge visits, at natapos na noong Mar 31, 2026 ang Japan at Hawaii lounge access, per the page. Nasa no-annual-fee promo ang card (₱60,000 spend within 60 days, new-to-RCBC, hanggang Dec 31, 2026), kaya baka hindi ₱3,600 ang first payment mo. Wala sa card page ang foreign fee at income; galing ito sa fee schedule at data namin.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; foreign fee (on fee schedule page only); 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, before the ₱3,600 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

#55 of 123 cards open to new applicants, and #77 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • 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 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 waivers12 / 16

      A ₱3,600 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend2 / 10

      Under ₱250 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% installments11 / 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 33 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 ₱0 in travel value.

Score over time

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

methodmethodmethodmethod47 BOct 2448 BOct 2628 BOct 2729 BNov 229 BNov 429 BNov 929 BNov 1029 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
₱3,600
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 ₱25 on retail in Japan, 1 point per ₱36 on local discretionary spend, 1 point per ₱125 at service merchants and 1 point per ₱250 on Fast BillsPay. JCB is accepted at fewer merchants outside Japan and Asia.

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

Travel perks

International lounge visits
8 a year
Local lounge
None
Travel insurance
Up to ₱1,000,000, covers family

Strengths

  • 8 free international lounge visits a year
  • Points don't expire; 3 airline partners

Watch out for

  • High FX fee (3.50%): avoid using it abroad
  • JCB is accepted at fewer merchants

Live and upcoming promos (34)

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

Show 29 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 ↗