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RCBC · Visa · Infinite

Visa Infinite

Why pick it: 5x points abroad and 3x online, no expiry

Premium points card: 1 point per ₱30 base, 3x on local online and 5x overseas; unlimited local lounge access and Priority Pass.

Score
44 /100
Rank
#28 of 123
Annual fee
₱6,000
Solid A
GET IT IF…Honest take

Malaki ang welcome points at unlimited ang lounge, pero katamtaman ang balik laban sa fee, sabi ng data.

Bottom line: Gumagastos ka ba ng ₱1M o higit pa kada year, karamihan online at overseas? Pwede ito. Kung hindi, tingnan ang ibang miles cards sa list.

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

Sa gastos ng typical household (~₱825k a year), nasa ~₱3,500 ang balik, plus ~₱2,000 na travel value. ₱6,000 ang membership fee; pwede mong hilingin ang waiver ayon sa data, bahala ang bank. 44 ang score at #28 ang puwesto 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 ₱30, may 3x sa local online at 5x sa overseas. Hindi nag-e-expire ang points.
  • 100,000 welcome points sa ₱60,000 spend within 60 days (new-to-RCBC lang), at 20,000 bonus points kada year sa ₱1,000,000 12-month spend, kung bayad na ang annual fee.
  • Unlimited PAGSS lounge access sa NAIA Terminal 1 (at Terminal 3 hanggang Dec 31, 2026) para sa principal at isang companion, kailangan ng international boarding pass.

What's bad

  • Pagkatapos ng promo, 3.50% ang fee sa overseas spend (tingnan ang catch).
  • May US$35 fee ang lounge access, per the page, pero nire-reverse ito kapag umabot ng US$1,500 ang spend mo.
  • Mataas ang income hurdle na ₱2,000,000, galing sa comparison site.

The catch: Para makuha ang travel insurance, i-charge ang international tickets sa card at mag-register online. Hindi ipinapakita ng card page ang income, insurance amount, foreign fee o bonus point caps (nasa T&C PDF ang caps, pero hindi namin nabasa ang PDF). May promo mula Oct 1 hanggang Dec 31, 2026: 1.50% ang foreign fee. Mag-confirm sa bank bago mag-apply.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; travel insurance amount; bonus points caps; foreign fee on the card page itself (fee schedule and a promo page state it); 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 ₱5,500 in rewards (₱3,500) and travel value (₱2,000), before the ₱6,000 annual fee (on request; the bank decides)
To qualify:
₱2,000,000 a year income
Bank service:
About typical.

First year

Welcome offer:
Welcome gift: 100,000 points for ₱60k spend within 60 days of card delivery; first-time RCBC cardholders only; no end date stated
Annual fee:
First-year membership fee waived, per the bank's fees page.

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.

Who can apply

Age:
21 to 70.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; 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

#28 of 123 cards open to new applicants, and #37 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value18 / 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 spend8 / 37

      About ₱3,500 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 waivers4 / 16

      A ₱6,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend4 / 10

      About ₱2,000 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% installments10 / 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 38 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 path5 / 5

    Infinite 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 ₱3,500 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.

methodmethodmethodmethod51 BOct 2452 BOct 2644 AOct 2744 ANov 244 ANov 444 ANov 944 ANov 1044 ANov 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
₱6,000
Supplementary fee
₱3,000
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱2,000,000 a year

Rewards

1 point per ₱30 base, 3 points per ₱30 on local online spend and 5 points per ₱30 overseas. Utilities through Fast BillsPay earn 1 point per ₱250. Annual bonus of 20,000 points for ₱1M spend in 12 months with the annual fee fully paid.

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 ₱5,000,000, covers family

Strengths

  • 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 (39)

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

Show 34 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 ↗