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RCBC · Mastercard · Titanium

ZALORA

Why pick it: 6% back on its own store, up to 2% other online

ZALORA co-brand: 6% on ZALORA purchases and up to 2% on other online spend as ZALORA credit; 1 point per ₱50 offline.

Score
25 /100
Rank
#70 of 123
Annual fee
₱4,000
Borderline B/CThin data

Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.

GET IT IF…Honest take

6% ZALORA Cashback sa ZALORA purchases at ₱5,000 welcome credits. Para lang ito sa regular na ZALORA shopper.

Bottom line: ZALORA ba ang main online store mo, at kaya mo bang abutin ang ₱30,000 in 60 days? Puwede. Kung hindi, mas malaki ang balik ng ibang cards.

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

Face value ang bilang namin sa ZALORA credit dito. Para sa typical household (~₱825k a year), ~₱3,000 ang kita at -₱1,500 ang travel value. ₱4,000 ang annual fee. Pwede mong hilingin ang waiver (from our data), bahala ang bank. Puwesto: #70 sa 123 cards; score 25.

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

  • 6% ZALORA Cashback sa ZALORA purchases, up to 2% sa ibang online purchases, at points mula sa ₱50 spend kahit saan. Hindi nag-e-expire ang points.
  • Puwedeng i-convert ang points sa ZALORA Cashback o AIRMILES, gamitin sa annual fee, o i-donate.
  • ₱5,000 ZALORA Shopping Credits kapag nag-spend ka ng ₱30,000 within 60 days, plus 1 year ng free ZNOW shipping.

What's bad

  • Mahal ang ₱4,000 na fee (supplementary ₱2,000). May general na 'First Year Membership Fee: WAIVED' row sa fee page, pero hindi nito pinangalanan ang card.
  • Kailangan ng ₱200,000 annual spend para ma-keep ang ZNOW.
  • Mataas ang 3.50% na singil sa foreign spend (peso-card fee schedule).

The catch: Wala sa page ang cashback cap at income requirement, at hindi namin nabasa ang T&C PDF. Kasali ang ZALORA sa no-annual-fee promo (₱60,000 within 60 days, new-to-RCBC lang, face-to-face channels, until Dec 31, 2026), at per the promo page, puwede itong isabay sa welcome gift. Manipis ang source namin dito, kaya kumpirmahin ang cap at terms sa bank.

Rechecked on the bank page on 2026-10-24. Not on the page: cashback cap; minimum income; foreign fee (on fee schedule page only); whether foreign online purchases earn the 2%; T&C PDFs (not read). 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 ₱1,500 in rewards (₱3,000) and travel value (−₱1,500), before the ₱4,000 annual fee (on request; the bank decides)
To qualify:
₱250,000 a year income
Bank service:
About typical.

First year

Welcome offer:
No annual fee for life: ₱60k spend within 60 days of card receipt; new-to-RCBC applicants via co-brand partner channel, apply by Dec 31, 2026 (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.

Score breakdown, fees, rewards and perks

Score breakdown

#70 of 123 cards open to new applicants, and #100 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value8 / 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 ₱4,000 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. 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 flexibility3 / 10

    Rewards are store credit that works at one merchant. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path3 / 5

    Titanium 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 −₱1,500 in travel value.

Score over time

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

methodmethodmethodmethod41 DOct 2441 DOct 2625 COct 2725 CNov 225 CNov 425 CNov 926 CNov 1025 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
₱4,000
Supplementary fee
₱2,000
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱250,000 a year

Rewards

6% ZALORA Cashback on ZALORA purchases and up to 2% on other online purchases. Offline spend earns 1 point per ₱50, convertible to ZALORA Cashback or AIRMILES.

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

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • High FX fee (3.50%): avoid using it abroad
  • Rewards are store credit, usable at one merchant
  • Some details could not be verified

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 ↗