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Illustration, not the bank's artwork.

RCBC · Mastercard · World

World MC

Why pick it: 1 point per ₱10 abroad, unlimited NAIA lounge

Premium points card: 1 point per ₱30 local and ₱10 overseas; unlimited local lounge, one Priority Pass visit a year, Pay with Rewards.

Score
37 /100
Rank
#39 of 123
Annual fee
₱6,000
Solid B
GET IT IF…Honest take

May lounge access, at free fee o Samsonite kung maabot ang ₱100,000 spend. Sa fee schedule, 3.50% ang foreign fee.

Bottom line: Gusto mo ba ng lounge, at kaya mo ang ₱100,000 spend para sa free fee? Sulit ito. Kung hindi, mas malaki ang balik ng ibang cards sa ranking namin.

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

Sa typical household (~₱825k a year), ~₱3,000 ang rewards at ~₱0 sa travel side. ₱6,000 ang membership fee. Maaari kang humingi ng waiver, at sa bank ang final say, galing sa data. Score 37, #39 sa 123.

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 sa local spend at per ₱10 sa international spend. Hindi nag-e-expire ang points.
  • Unlimited PAGSS lounge sa NAIA Terminal 1 (kailangan ng international boarding pass), at 1 free Priority Pass visit a year.
  • Libre ang supplementary cards hanggang 9.
  • Hanggang Dec 31, 2026: free fee for life kapag online ang apply, o Samsonite welcome gift kapag hindi online. Parehong ₱100,000 spend within 60 days ang kailangan, hindi pwedeng pagsamahin.

What's bad

  • May service fee na 3.50% sa foreign transactions, per the peso-card fee schedule, kaya bawas ang value ng overseas spend.
  • Mabigat ang ₱6,000 fee kung hindi ma-waive.
  • Mataas ang income hurdle na ₱2,000,000, galing sa comparison site.

The catch: Samsonite promo: kailangang bayaran ang full annual fee at bawal mag-cancel within 24 months. Para sa new-to-RCBC lang ang free-fee promo. May charge ang extra Priority Pass visits, pero waived kapag ₱70,000 ang spend o US$1,500 overseas. Kailangang nasa card ang buong fare para sa travel insurance. Wala sa card page ang income requirement, foreign fee at insurance amount, kaya mag-confirm sa bank.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; foreign fee (on fee schedule page only); travel insurance amount; Samsonite welcome gift conditions (they are on a separate promo 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 ₱3,000 in rewards, 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: Samsonite Hi-Fi SP68 spinner for ₱100k spend within 60 days; new-to-RCBC, non-online applications Oct 16 to Dec 31, 2026 (online route: no annual fee for life at ₱100k spend) (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.

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

#39 of 123 cards open to new applicants, and #57 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value12 / 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 waivers8 / 16

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

    • Travel and perks on the default spend2 / 10

      No 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). 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 33 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 path4 / 5

    World 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 ₱0 in travel value.

Score over time

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

methodmethodmethodmethod51 BOct 2451 BOct 2637 BOct 2738 BNov 238 BNov 438 BNov 938 BNov 1037 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
₱6,000
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱2,000,000 a year

Rewards

1 point per ₱30 on all local spend, including supermarkets, gas and utilities through Fast BillsPay, and 1 point per ₱10 on international spend. Pay with Rewards lets you redeem against purchases.

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

Travel perks

International lounge visits
1 a year
Local lounge
unlimited
Travel insurance
None

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 (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 ↗