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RCBC · Visa · Gold

YGC Rewards Plus RCBC Visa Gold

Why pick it: Points on Malayan premiums and home, auto loans

Gold Visa in the YGC Rewards Plus program, with bonus points for Malayan Insurance premiums and RCBC deposits and loans; ₱3,000 annual fee.

Score
23 /100
Rank
#85 of 123
Annual fee
₱3,000
Solid CThin 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

Gold card na may YGC points, para sa RCBC depositors.

Bottom line: May RCBC deposit at Malayan policy ka na ba? Baka may bonus. Kung wala, skip.

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

Sa purchases, ~₱1,500 ang kita ng typical household (~₱825k a year). Fee: ₱3,000 a year; pwede mong hilingin ang waiver (from our data), bahala ang bank. Travel value: -₱2,000, negatibo from our data. Puwesto: #85 sa 123 cards; score 23.

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 sa peso savings o checking.
  • 20 points per ₱500 na Malayan insurance premium, at 20 points per ₱100,000 na auto loan o ₱200,000 na housing loan balance, per the program page.
  • Walang expiry ang points.

What's bad

  • Purchase earn: 1 point per ₱36 lang, assumption namin kasi hindi nakalista sa page.
  • Mataas ang 3.50% na singil sa foreign spend, per the peso-card fee schedule.
  • May 'Lorem ipsum' placeholder text pa sa deposit row ng program page, kaya i-check ang bonus table sa bank.

The catch: Wala kaming nakitang sariling page para sa card na ito; nakabahagi ito sa isang program page kasama ang dalawa pang card. Wala ang YGC Visa Gold sa Travel Plus Lite page, kaya assumption lang sa aming data ang ₱50,000 na insurance, at hindi rin nakalista ang income. Ipinagpalagay naming kapareho ito ng YGC Platinum, kaya kumpirmahin sa bank bago umasa.

Rechecked on the bank page on 2026-10-24. Not on the page: purchase earn rate for the Gold Visa; minimum income; foreign fee (on fee schedule page only); travel insurance for this card; card page of its own. 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 −₱500 in rewards (₱1,500) and travel value (−₱2,000), before the ₱3,000 annual fee (on request; the bank decides)
To qualify:
Not published
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

#85 of 123 cards open to new applicants, and #118 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value3 / 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 ₱3,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱2,000 of travel value on one trip abroad a year, after the 3.50% foreign fee. 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 35 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 path2 / 5

    Gold 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 −₱2,000 in travel value.

Score over time

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

methodmethodmethodmethod43 COct 2443 COct 2622 COct 2723 CNov 223 CNov 423 CNov 923 CNov 1023 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
₱3,000
Supplementary fee
₱1,500
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
Not published

Rewards

Our data uses the same earn structure as the YGC Rewards Plus Platinum card; the page doesn't confirm it.

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 ₱50,000, covers family

Strengths

  • Points don't expire; 3 airline partners

Watch out for

  • High FX fee (3.50%): avoid using it abroad
  • Some details could not be verified

Live and upcoming promos (36)

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

Show 31 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 ↗