RCBC Hexagon Club Platinum Mastercard: fees, interest and requirements
The RCBC Hexagon Club Platinum Mastercard has no annual fee and charges 3% a month on unpaid balances.
Comes with RCBC Hexagon Club Privilege membership, for clients who keep at least ₱100,000 in total RCBC savings and checking balances, subject to credit evaluation, and its only figures are a zero fee and the 3% capped rate, so there is little here to compare. The cards anyone can apply for are on the RCBC credit cards page.
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, plus a year of fees: ₱1,212. Not ranked, because not everyone can apply for it.
RCBC's closest card is the RCBC Hexagon Club Priority World Mastercard. Against it, this card earns earns non-expiring Rewards Points on all purchases (the other: earns non-expiring Rewards Points) 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 Hexagon Club Platinum Mastercard gives you
- Earns non-expiring Rewards Points on all purchases RCBC card page
- Free travel insurance and purchase protection same page
- E-Commerce Purchase Protection of up to US$200 same page
Who should get the RCBC Hexagon Club Platinum Mastercard
| If | Then |
|---|---|
| You are not a member of the club or store it is issued to | You cannot apply for it. The rewards points card with the lowest yearly fee that anyone can apply for is the EastWest Puregold Always Panalo Visa. |
RCBC Hexagon Club Platinum Mastercard annual fee, interest and charges
| Charge | RCBC Hexagon Club Platinum Mastercard | When, and the rule |
|---|---|---|
| Annual fee | No annual fee | 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.
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 Hexagon Club Platinum Mastercard RCBC | No annual fee | 3% | - | - |
| EastWest Puregold Always Panalo Visa EastWest | ₱1,200 a year waived above a spend | 3% | ₱2,412 | ₱480,000 a year |
| PNB Essentials Mastercard PNB | ₱1,200 a year first year free | 3% | ₱2,412 | ₱120,000 a year |
| UnionBank Classic Visa UnionBank | ₱1,500 a year | 3% | ₱2,712 | ₱360,000 a year |