ZALORA Credit Card by RCBC: fees, interest and requirements
The ZALORA Credit Card by RCBC has an annual fee of ₱4,000 a year, 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 ₱4,000 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 ₱4,000 annual fee and a year comes to ₱5,212, 89th lowest of 127 cards open to the public (tied with 6).
RCBC's closest card is the RCBC World Mastercard. Against it, this card costs ₱4,000 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 ZALORA Credit Card by RCBC gives you
- 6% ZALORA cashback on ZALORA purchases and up to 2% cashback on other online purchases; Rewards Points on other spend RCBC card page
- One year of free ZNOW shipping, renewable with ₱200,000 annual card spend same page
- Free virtual card on approval same page
Who should get the ZALORA Credit Card by RCBC
| 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 ₱4,000 a year less. Pick the ZALORA Credit Card by RCBC only if its rewards are worth more than that to you. |
ZALORA Credit Card by RCBC downsides, and what a late payment costs
- The ₱4,000 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.
ZALORA Credit Card by RCBC annual fee, interest and charges
| Charge | ZALORA Credit Card by RCBC | When, and the rule |
|---|---|---|
| Annual fee | ₱4,000 a year Supplementary: ₱2,000 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 |
|---|---|---|---|---|
| ZALORA Credit Card by RCBC RCBC | ₱4,000 a year first year free | 3% | ₱5,212 | - |
| UnionBank Cash Back Visa Platinum UnionBank | ₱4,500 a year | 3% | ₱5,712 | ₱180,000 a year |
| BDO American Express Cashback Credit Card BDO | ₱250 a month first year free | 3% | ₱4,212 | ₱396,000 a year |
| UnionBank Lazada Credit Card UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱360,000 a year |