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RCBC · Visa · Infinite

Visa Infinite Dollar

Why pick it: Unlimited PAGSS lounge for you and a companion

USD-billed Infinite card: 1 point per USD1 redeemable for airline miles or vouchers; unlimited local lounge, ₱20M travel insurance, US$120 annual fee.

Score
21 /100
Status
Dollar card
Annual fee
₱6,960
#131 of all 170 scored cardsThin data

Thin data: some figures on this card are less certain than usual; the bank does not publish the income requirement. Check with the bank before you apply.

SKIP ITHonest take

Dollar card ito: US$ ang billing, from our data. Sulit lang kung may gastos ka sa dollars.

Bottom line: Kumikita o gumagastos ka ba sa dollars? Doon lang may sense ang card na ito. Kung peso ang gastos mo, skip it. Mag-confirm muna sa bank.

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

Ang resulta para sa typical household (~₱825k a year): -₱22,000 sa rewards at -₱3,000 sa travel value. ₱6,960 a year ang fee sa conversion namin. Ayon sa data, puwede itong i-request na i-waive; ang bank ang magpapasya. Hindi ito kasama sa ranking ng peso cards kasi dollar-billed. Sa lahat ng cards, #131 ito mula sa 170, 21 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

  • 100,000 welcome points kung makaipon ka ng US$1,200 na spend within 60 days mula sa card delivery; para lang sa first-time RCBC credit cardholders, at kailangan mag-register.
  • Unlimited PAGSS lounge para sa'yo at isang companion, plus Priority Pass membership.
  • Travel insurance hanggang ₱20M kung i-charge mo ang international tickets sa card at mag-register ka.

What's bad

  • 1 point per US$1 ang earn. Hindi mag-e-expire ang points, per the page, pero AIRMILES at shopping vouchers lang ang redemption.
  • US$120 a year ang membership fee (supplementary US$60), per the page.
  • Per the fee schedule, 3.5% service fee at 2.25% conversion fee ang dollar cards sa point of sale mula US$20, at hindi puwedeng i-credit ang points sa card account in pesos (rewards page).

The catch: Wala sa card page ang income requirement at foreign fee; sa fee schedule galing ang dollar-card fees. Hinihingi ng page ang work mobile at landline number. Ayon sa data, hindi puwedeng pagsamahin ang points ng dollar at peso cards.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; foreign fee on the card page; billing currency 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 −₱25,000 in rewards (−₱22,000) and travel value (−₱3,000), before the ₱6,960 annual fee (on request; the bank decides)
To qualify:
Not published (dollar card)
Bank service:
About typical.

First year

Welcome offer:
Welcome gift: 100,000 points (20,000 AIRMILES or ₱15,000 voucher) for USD1,200 spend within 60 days of card delivery; new-to-RCBC only; no fixed end date stated (no end date stated)

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

  • 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 spend0 / 37

      No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers4 / 16

      A ₱6,960 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱3,000 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. The card bills in US dollars, so the foreign fee also hits peso spend. 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 36 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 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 −₱22,000 a year in rewards and −₱3,000 in travel value.

Score over time

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

methodmethodmethodmethod39 DOct 2439 DOct 2620 DOct 2721 CNov 221 CNov 421 CNov 921 CNov 1021 CNov 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
₱6,960
Supplementary fee
₱3,480
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50% (billed in USD)
Minimum income
Not published

Rewards

1 Rewards Point per USD 1, for AIRMILES and shopping vouchers only. Billed in USD: USD spend has no foreign fee, non-USD spend carries 3.5%. Points cannot be combined with peso cards.

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 ₱20,000,000, covers family

Strengths

  • Unlimited local lounge access
  • Travel insurance up to ₱20M covering family
  • Points don't expire; 3 airline partners

Watch out for

  • High FX fee (3.50%): avoid using it abroad
  • Billed in US dollars, so peso spend pays the FX fee
  • Some details could not be verified

Live and upcoming promos (37)

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

Show 32 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 ↗