RCBC Black Card Platinum Mastercard: fees, interest and requirements
The RCBC Black Card Platinum Mastercard has an annual fee of ₱3,600 a year, waived in the first year and charges 3% a month on unpaid balances.
Verdict: Worth it if the points you redeem are worth more than ₱3,600 a year. The first year is free. Skip it if you spend a lot abroad (3.5% foreign fee).
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 ₱3,600 annual fee and a year comes to ₱4,812, 85th lowest of 127 cards open to the public (tied with 3).
RCBC's closest card is the RCBC Diamond Card Platinum Mastercard. Against it, this card costs ₱3,600 a year instead of ₱2,500 and has different perks.
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 Black Card Platinum Mastercard gives you
- Earns non-expiring Rewards Points RCBC card page
- Complimentary travel insurance and purchase protection same page
- Mastercard e-Commerce Purchase Protection of up to US$200 same page
- Free-for-life supplementary cards, up to 5 same page
Who should get the RCBC Black Card Platinum Mastercard
| If | Then |
|---|---|
| You pay in full every month and want a rewards points card | The EastWest Puregold Always Panalo Visa (EastWest) needs ₱480,000 a year in income and costs ₱2,400 a year less. Pick the RCBC Black Card Platinum Mastercard only if its rewards are worth more than that to you. |
RCBC Black Card Platinum Mastercard downsides, and what a late payment costs
- The ₱3,600 fee is charged every year after the waiver ends.
- Foreign currency purchases cost 3.5% 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.
RCBC Black Card Platinum Mastercard annual fee, interest and charges
| Charge | RCBC Black Card Platinum Mastercard | When, and the rule |
|---|---|---|
| Annual fee | ₱3,600 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 | 3.5% | same page |
Figures from RCBC Credit Cards fees and charges. 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.
Apply for the RCBC Black Card Platinum Mastercard on RCBC's site
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 Black Card Platinum Mastercard RCBC | ₱3,600 a year first year free | 3% | ₱4,812 | - |
| Security Bank Platinum Mastercard Security Bank | ₱4,000 a year first year free | 3% | ₱5,212 | ₱780,000 a year |
| UnionBank Miles+ Platinum Visa UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱600,000 a year |
| UnionBank Go Rewards Gold Visa UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱360,000 a year |