RCBC JCB Platinum: fees, interest and requirements
The RCBC JCB Platinum 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 you fly often enough that its miles or lounge access are worth more than ₱3,600 a year to you. 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 Black Card Platinum Mastercard. Against it, this card earns rewards on different terms, runs on JCB, not Mastercard 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 JCB Platinum gives you
- 1 Rewards Point for every ₱25 spent in Japan and as low as ₱36 local spend RCBC card page
- Up to 8 complimentary LoungeKey visits at JCB-selected lounges abroad same page
- Free travel insurance up to ₱1,000,000 and purchase protection same page
- JCB Platinum Concierge Desk, 24/7 same page
Who should get the RCBC JCB Platinum
| 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 ₱3,600 a year less as long as you use it monthly. Pick the RCBC JCB Platinum only if its rewards are worth more than that to you. |
RCBC JCB Platinum 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 JCB Platinum annual fee, interest and charges
| Charge | RCBC JCB Platinum | 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.
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 JCB Platinum 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 |
| PNB JCB Platinum PNB | ₱3,000 a year first year free | 3% | ₱4,212 | ₱600,000 a year |