RCBC Gold Mastercard: fees, interest and requirements
The RCBC Gold Mastercard 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 also issues this card on JCB as the RCBC Gold JCB, with identical fees, rate and 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 Gold Mastercard gives you
- Earns non-expiring Rewards Points on all purchases, exchangeable for AIRMILES, cash rebates, shopping vouchers or cash credit RCBC card page
- Free travel insurance (Travel Plus Lite) and purchase protection same page
- Free budget monitoring tools same page
Who should get the RCBC Gold 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 ₱1,800 a year less. Pick the RCBC Gold Mastercard only if its rewards are worth more than that to you. |
RCBC Gold Mastercard 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 Gold Mastercard annual fee, interest and charges
| Charge | RCBC Gold Mastercard | 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 Gold Mastercard 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 |