AirAsia Credit Card by RCBC: fees, interest and requirements
The AirAsia Credit Card by RCBC has a monthly membership fee of ₱300, waived in the first year and charges 3% a month on unpaid balances.
Verdict: Worth it if you fly often enough that its miles or lounge access are worth more than ₱3,600 a year to you. The first year is free.
From RCBC Credit Cards fees and charges. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add ₱300 a month in membership fees (₱3,600 a year) and a year comes to ₱4,812, 85th lowest of 127 cards open to the public (tied with 3).
BSP supervised: Rizal Commercial Banking Corporation, universal and commercial bank, BSP institution ID 1, is on the BSP Verifier list dated Sep 28, 2026.
What the AirAsia Credit Card by RCBC gives you
- 1 AirAsia point for every ₱22 international spend and every ₱28 domestic spend; 2 points for every ₱25 spent with AirAsia RCBC card page
- 300 bonus AirAsia points a month when you meet the minimum monthly spend same page
- Instant upgrade to AirAsia Platinum membership status same page
Who should get the AirAsia Credit Card by RCBC
| If | Then |
|---|---|
| You pay in full every month and want a travel and miles card | The Maya Black Credit Card (Maya) needs ₱180,000 a year in income and costs ₱3,600 a year less as long as you use it monthly. Pick the AirAsia Credit Card by RCBC only if its rewards are worth more than that to you. |
AirAsia Credit Card by RCBC downsides, and what a late payment costs
- The ₱3,600 fee is charged every year after the waiver ends.
- Foreign currency purchases cost 2.5% extra.
If you pay late: RCBC charges up to ₱1,000, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
AirAsia Credit Card by RCBC annual fee, interest and charges
| Charge | AirAsia Credit Card by RCBC | When, and the rule |
|---|---|---|
| Annual fee | ₱300 a month | Billed monthly: ₱3,600 over twelve statements. First-year membership fee waived. RCBC fee page |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same page |
| Cash advance | ₱200 a withdrawal | The BSP maximum (Circ. 1165). same page |
| Late payment | ₱1,000 | same page |
| Foreign transactions | 2.5% | RCBC card page |
Figures from RCBC Credit Cards fees and charges, RCBC card page. BSP ceilings: BSP Circular No. 1165, s.2023. How RCBC words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: RCBC billing rules.
Requirements and how to apply
Apply with the button below. Channels, documents, status and hotline: RCBC contact and requirements.
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| AirAsia Credit Card by RCBC RCBC | ₱300 a month first year free | 3% | ₱4,812 | - |
| BDO American Express Explorer Credit Card BDO | ₱4,000 a year waived above a spend | 3% | ₱5,212 | ₱792,000 a year |
| Security Bank Platinum Mastercard Security Bank | ₱4,000 a year first year free | 3% | ₱5,212 | ₱780,000 a year |
| BDO Diners Club International BDO | ₱250 a month first year free | 3% | ₱4,212 | ₱396,000 a year |