RCBC AirMiles Visa Signature: fees, interest and requirements
The RCBC AirMiles Visa Signature has an annual fee of ₱5,500 a year, 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 ₱5,500 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 the ₱5,500 annual fee and a year comes to ₱6,712, 114th 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 RCBC AirMiles Visa Signature gives you
- 1 Signature Airmile for every ₱25 overseas spend and every ₱48 local spend, converted 1:1 to partner mileage programs. Airmiles do not expire. RCBC card page
- Complimentary Priority Pass membership with up to four free lounge visits same page
- Unlimited free access to PAGSS International lounge at NAIA same page
- Complimentary travel insurance and 24/7 Visa Concierge same page
Who should get the RCBC AirMiles Visa Signature
| 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 ₱5,500 a year less as long as you use it monthly. Pick the RCBC AirMiles Visa Signature only if its rewards are worth more than that to you. |
RCBC AirMiles Visa Signature downsides, and what a late payment costs
- The ₱5,500 fee is charged every year after the waiver ends.
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.
RCBC AirMiles Visa Signature annual fee, interest and charges
| Charge | RCBC AirMiles Visa Signature | When, and the rule |
|---|---|---|
| Annual fee | ₱5,500 a year Supplementary: ₱2,750 a year | 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 | 1.7% | 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 |
|---|---|---|---|---|
| RCBC AirMiles Visa Signature RCBC | ₱5,500 a year first year free | 3% | ₱6,712 | - |
| Metrobank Travel Signature Visa Metrobank | ₱5,500 a year first year free | 3% | ₱6,712 | ₱700,000 a year |
| Metrobank World Mastercard Metrobank | ₱6,000 a year first year free | 3% | ₱7,212 | ₱700,000 a year |
| UnionBank Miles+ Visa Signature UnionBank | ₱5,000 a year | 3% | ₱6,212 | ₱360,000 a year |