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RCBC · Mastercard · Classic

Landmark Anson's MC

Why pick it: 3% back at Landmark and Anson's on weekdays

Co-brand card: 3% statement rebate on weekday Landmark Department Store, Landmark Supermarket and Anson's purchases; 1 point per ₱83.33 elsewhere.

Score
27 /100
Rank
#60 of 123
Annual fee
₱960
Borderline B/C
GET IT IF…Honest take

3% rebate sa Landmark at Anson's, Monday to Friday. Mahina ang earn sa ibang store, from our data.

Bottom line: Namimili ka ba sa Landmark tuwing weekdays? Plus ito. Kung hindi, mahina ito sa labas ng Landmark, from our data.

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

Kapag sa Landmark mo ipinasok ang lahat ng grocery at department store spend (assumption namin), nasa ~₱3,000 ang balik ng typical household (~₱825k a year), pero -₱2,000 ang travel value (negative). ₱960 ang fee; pwede kang mag-request ng waiver, bahala ang bank. Nasa puwesto #60 sa 123, at 27 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

  • 3% rebate sa Landmark Department Store, Supermarket at Anson's, Monday to Friday, straight purchases lang. Lumalabas ang rebate sa statement mo.
  • Walang annual cap sa ngayon, per the page, at walang expiry ang points sa ibang store.
  • ₱80 a month lang ang fee, at may no-annual-fee promo (₱30,000 spend in 60 days, new-to-RCBC, hanggang Dec 31, 2026).

What's bad

  • Hindi counted ang weekends at installments. Sa Anson's, small home at kitchen appliances lang, up to ₱3,000 per receipt.
  • Sa ibang store, 1 point per ₱83.33 lang (from our data), at mataas ang 3.50% sa foreign spend.
  • Dapat active at good standing ang account mo kapag kinompute ang rebate.

The catch: Puwedeng magdagdag ng cap o magpalit ng rebate rate ang RCBC anumang oras, per the page terms. Ang income ay from our data, at sa fee schedule galing ang 3.5% foreign fee; wala ang dalawa sa card page. May general na 'First Year Membership Fee: WAIVED' row sa fee schedule, pero walang nakapangalang card.

Rechecked on the bank page on 2026-10-24. Not on the page: foreign fee; minimum income; points earn rate outside Landmark; 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 (₱3,000) and travel value (−₱2,000), before the ₱960 annual fee (on request; the bank decides)
To qualify:
₱180,000 a year income
Bank service:
About typical.

First year

Welcome offer:
No annual fee for life: ₱30k 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

#60 of 123 cards open to new applicants, and #84 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value9 / 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

      A ₱960 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% 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 31 live promos tracked. How it is scored

  • Points flexibility5 / 10

    Cashback is simple to use but cannot move to an airline. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path2 / 5

    Classic 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 −₱2,000 in travel value.

Score over time

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

methodmethodmethodmethod45 COct 2445 COct 2626 BOct 2727 BNov 227 BNov 427 BNov 927 BNov 1027 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
₱960
Supplementary fee
₱480
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱180,000 a year

Rewards

3% rebate as statement credit on straight purchases Monday to Friday at Landmark Department Store, Landmark Supermarket and Anson's (small appliances, single receipt up to ₱3,000). Elsewhere you earn points, for Landmark gift certificates or card credit only.

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
Up to ₱50,000, covers family

Watch out for

  • High FX fee (3.50%): avoid using it abroad
  • Earns little outside its bonus categories

Live and upcoming promos (32)

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

Show 27 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 ↗