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RCBC Black Card Platinum Mastercard

by Rizal Commercial Banking Corporation

Mastercard networkRewards card

Quick take

Main benefit

Premium RCBC points. You earn flexible RCBC Rewards with stronger earning on international spend.

Main catch

Interest is steep if you don't pay in full — about 3.00% a month.

Income needed

₱83,334/mo The bank does the final check.

Annual fee

₱3,600/yr

Apply on Rizal Commercial Banking CorporationCompare

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Is this card for you?

Good fit if
  • You want simple rewards without tracking categories.
  • You pay your balance in full each month to avoid interest.
Look elsewhere if
  • You'd rather earn straight cashback than points or miles.
  • You expect to carry a balance from month to month.
  • You earn below ₱83,334 a month.

The numbers

Earn rate1 pt / ₱30
Annual fee₱3,600/yr
Interest if unpaid3.00% / month
Late payment fee₱1,000
Foreign currency markup3.50%
›More fees and details
Cash advance fee₱200
Over-limit fee₱600
Fee waiverLimited-time lifetime yearly-fee waiver for eligible new-to-RCBC principal applicants; apply from April 1 to June 30, 2026 and spend Php 60,000 within 60 days from card receipt. The promo cannot be combined with RCBC welcome-gift promos. Outside the promo, RCBC lists a Php 3,600 yearly principal fee.

The catch

  • Interest is steep if you don't pay in full — about 3.00% a month.

Ready to decide?

Apply on Rizal Commercial Banking CorporationCompare similar cards

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

You'll finish on Rizal Commercial Banking Corporation's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
  • One valid government ID— passport, driver's license, UMID, or PhilSys.
  • Proof of income — a recent payslip, your latest ITR, or a COE with salary.
  • Proof of billing address — a utility bill or a bank statement.
  • 10–15 minutes to fill out Rizal Commercial Banking Corporation's application form.
From Rizal Commercial Banking Corporation's official page · Checked Jun 9, 2026

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Apply on Rizal Commercial Banking CorporationCompare