RCBC Landmark Anson's Mastercard: fees, interest and requirements
The RCBC Landmark Anson's Mastercard has a monthly membership fee of ₱80, waived in the first year and charges 3% a month on unpaid balances.
Verdict: Worth it if the cash back on your own spending comes to more than ₱960 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 ₱80 a month in membership fees (₱960 a year) and a year comes to ₱2,172, 16th lowest of 127 cards open to the public.
RCBC's closest card is the RCBC World Mastercard. Against it, this card costs ₱960 a year instead of ₱6,000, earns rewards on different terms 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 Landmark Anson's Mastercard gives you
- 3% rebate on Monday to Friday straight-charge purchases at The Landmark Department Store, Landmark Supermarket and Anson's, with no cap RCBC card page
- No-cap 3% rebate at Landmark and Anson's, Monday to Friday same page
- Non-expiring Rewards Points, redeemable for Landmark gift certificates same page
- Complimentary travel insurance and purchase protection on international trips same page
Who should get the RCBC Landmark Anson's Mastercard
| If | Then |
|---|---|
| You pay in full every month and want a cash back card | The Security Bank Wave Mastercard (Security Bank) needs ₱480,000 a year in income and costs ₱960 a year less. Pick the RCBC Landmark Anson's Mastercard only if its rewards are worth more than that to you. |
RCBC Landmark Anson's Mastercard downsides, and what a late payment costs
- The ₱960 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 Landmark Anson's Mastercard annual fee, interest and charges
| Charge | RCBC Landmark Anson's Mastercard | When, and the rule |
|---|---|---|
| Annual fee | ₱80 a month | Billed monthly: ₱960 over twelve statements. 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 Landmark Anson's 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 Landmark Anson's Mastercard RCBC | ₱80 a month first year free | 3% | ₱2,172 | - |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| Toyota Platinum Mastercard Metrobank | ₱2,800 a year first year free | 3% | ₱4,012 | ₱350,000 a year |
| EastWest Puregold Always Panalo Visa EastWest | ₱1,200 a year waived above a spend | 3% | ₱2,412 | ₱480,000 a year |