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RCBC · Mastercard · Platinum

YGC Rewards Plus RCBC Platinum MC

Why pick it: Points on bank deposits and Malayan premiums

Platinum points card (1 point per ₱36) with bonus points for Malayan Insurance premiums, RCBC deposit balances and loans in the Yuchengco group.

Score
24 /100
Rank
#76 of 123
Annual fee
₱3,600
Solid CThin data

Thin data: the bank does not publish the income requirement. Check with the bank before you apply.

GET IT IF…Honest take

Para sa RCBC depositors na may loans at Malayan insurance. Kung wala ka niyan, ordinary earn lang ito, from our data.

Bottom line: May RCBC deposit at Malayan policy ka na ba? Kunin lang ito para sa bonus na iyon. Kung wala, mas malaki ang balik ng ibang cards sa ranking namin.

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

Sa purchases, ~₱1,500 ang kita ng typical household (~₱825k a year). May ₱3,600 na fee; puwede kang humiling ng waiver (from our data), pero sa bank ang desisyon. Negatibo rin ang travel value na -₱1,500 from our data. Puwesto: #76 sa 123 cards; score 24.

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

  • Bonus points sa RCBC deposits: 1 point per ₱1,000 na idinagdag sa MTD ADB mo.
  • 20 points per ₱500 Malayan insurance premium, at 20 per ₱100,000 auto loan o ₱200,000 housing loan balance.
  • Free ang first 5 supplementary cards, plus insurance up to ₱1,000,000 kung i-charge mo ang ₱25,000 or more in tickets sa card.

What's bad

  • Sa purchases, 1 point per ₱36 lang sa discretionary at per ₱125 sa non-discretionary, from our data.
  • Mataas ang singil sa foreign spend: 3.50%, per the peso-card fee schedule.
  • May 'Lorem ipsum' placeholder pa sa deposit row.

The catch: Wala kaming nakitang sariling page para sa card na ito. Isang YGC program page ang sumasaklaw sa tatlong cards, at 'Black Platinum' ang tawag dito sa fee schedule. Wala sa page ang purchase earn at income; from our data ang earn, at wala kaming income figure, kaya mag-check ka sa bank. Hindi pinangalanan ng general na 'First Year Membership Fee: WAIVED' row sa fee schedule ang card.

Rechecked on the bank page on 2026-10-24. Not on the page: purchase earn rate; minimum income; foreign fee (on fee schedule page only); card page of its own; 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 ₱0 in rewards (₱1,500) and travel value (−₱1,500), before the ₱3,600 annual fee (on request; the bank decides)
To qualify:
Not published
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

#76 of 123 cards open to new applicants, and #107 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value4 / 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 spend4 / 37

      About ₱1,500 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 waivers12 / 16

      A ₱3,600 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,500 of travel value on one trip abroad a year, after the 3.50% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. 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

    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 path3 / 5

    Platinum 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 ₱1,500 a year in rewards and −₱1,500 in travel value.

Score over time

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

methodmethodmethodmethod45 BOct 2446 BOct 2623 COct 2724 CNov 224 CNov 424 CNov 924 CNov 1024 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
₱3,600
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
Not published

Rewards

1 point per ₱36 on discretionary spend and per ₱125 on non-discretionary spend. YGC bonus points for Malayan Insurance premiums, RCBC peso deposits and auto or housing loan balances.

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

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
Up to ₱1,000,000, covers family

Strengths

  • Points don't expire; 3 airline partners

Watch out for

  • High FX fee (3.50%): avoid using it abroad

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 ↗