RCBC Flex Gold Visa: fees, interest and requirements
The RCBC Flex Gold Visa has an annual fee of ₱3,000 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 ₱3,000 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 ₱3,000 annual fee and a year comes to ₱4,212, 64th lowest of 127 cards open to the public (tied with 14).
RCBC's closest card is the RCBC Flex Visa. Against it, this card costs ₱3,000 a year instead of ₱1,500 and earns rewards on different terms.
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 Flex Gold Visa gives you
- 2x Rewards Points in three preferred categories you pick from grocery, gas, travel, department store or household appliances; regular points on everything else RCBC card page
- Free travel insurance (Travel Plus Lite) and purchase protection same page
- Points convert to AIRMILES, shopping vouchers or cash rebates same page
Who should get the RCBC Flex Gold Visa
| 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 ₱1,800 a year less. Pick the RCBC Flex Gold Visa only if its rewards are worth more than that to you. |
RCBC Flex Gold Visa downsides, and what a late payment costs
- The ₱3,000 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 Flex Gold Visa annual fee, interest and charges
| Charge | RCBC Flex Gold Visa | When, and the rule |
|---|---|---|
| Annual fee | ₱3,000 a year Supplementary: ₱1,500 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.
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 Flex Gold Visa RCBC | ₱3,000 a year first year free | 3% | ₱4,212 | - |
| 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 |
| UnionBank Cebu Pacific Gold UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱360,000 a year |