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RCBC · Mastercard · Classic

MANGO MC

Why pick it: Low ₱100 a month fee, points for MANGO vouchers

MANGO co-brand: 1 point per ₱125, redeemable only for MANGO shopping vouchers; ₱1,200 annual fee.

Score
14 /100
Status
Closed to new
Annual fee
₱1,200
#157 of all 170 scored cardsThin data

Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.

KEEP IT IF YOU HAVE ITHonest take

Closed na sa new applicants, ayon sa data. Sa MANGO vouchers lang puwedeng i-redeem ang points.

Bottom line: Kung hawak mo na ito at sa MANGO ka namimili, keep it hangga't mura ang fee. Kung bago kang mag-a-apply, sa ibang card ka na lang tumingin at itanong muna sa bank.

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

Kung hawak mo na ito, ang kita ng typical household (~₱825k a year) ay ~₱0, habang -₱2,500 naman ang travel line, galing sa data. Annual fee: ₱1,200. Kung hihilingin mo ang waiver, ang bank ang magpapasya.

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

  • Cheap fee at ₱100 a month per the fee schedule (₱75 a month para sa supplementary).
  • Sakop ang MANGO ng Travel Plus Lite: accidental death ₱50,000 at purchase protection hanggang ₱50,000, kapag sa card siningil ang international tickets at na-register online.
  • Points na hindi nag-e-expire, ayon sa earn rules namin, hindi sa page.

What's bad

  • 1 point per ₱125 lang ang earn, galing sa data, kaya mababa ang balik.
  • Nasa RCBC fee schedule ang 3.50% service fee sa foreign currency transactions ng peso card.
  • MANGO is not in either no-annual-fee promo table, and other RCBC cards pay the standard PAGSS walk-in rate of ₱3,000 per visit (lounge page).

The catch: Hindi nakalista ang MANGO sa co-brand list ng RCBC at wala kaming nakitang sariling card page, kaya hindi namin makumpirma ang status niya. Ang earn rate, redemption at income ay galing sa data. Nasa fee schedule at Travel Plus Lite page pa rin siya, kaya may mga holder pa siguro.

Rechecked on the bank page on 2026-10-24. Not on the page: card product page; earn rate; redemption options; minimum income; whether the card is open to new applicants. 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 −₱2,500 in rewards (₱0) and travel value (−₱2,500), before the ₱1,200 annual fee (on request; the bank decides)
To qualify:
₱180,000 a year income; Not on current card listing; existing holders only (closed to new)
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value0 / 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 spend1 / 37

      Under ₱250 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 ₱1,200 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱2,500 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 30 live promos tracked. How it is scored

  • Points flexibility1 / 10

    Rewards are store credit that works at one merchant. 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 ₱0 a year in rewards and −₱2,500 in travel value.

Score over time

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

methodmethodmethodmethod35 DOct 2435 DOct 2613 DOct 2714 DNov 214 DNov 414 DNov 914 DNov 1014 DNov 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
₱1,200
Supplementary fee
₱900
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱180,000 a year
Also needs
Not on current card listing; existing holders only

Rewards

1 point per ₱125 at MANGO and elsewhere, and 1 point per ₱250 on Fast BillsPay. Points redeem only for MANGO shopping vouchers.

Type
Store credit
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
  • Rewards are store credit, usable at one merchant
  • Some details could not be verified

Live and upcoming promos (31)

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

Show 26 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 ↗