Truva
Back to credit cards

Credit card · JCB · Rewards

RCBC Classic JCB

by Rizal Commercial Banking Corporation

JCB networkRewards card

Quick take

Main benefit

Simple points. You earn points on every purchase — no categories to track.

Main catch

JCB isn't accepted everywhere in the Philippines — keep a Visa or Mastercard as a backup.

Income needed

₱20,833/mo The bank does the final check.

Annual fee

₱1,500/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 a first credit card from a bank people recognize.
  • You want simple rewards without tracking categories.
  • You pay your balance in full each month to avoid interest.
Look elsewhere if
  • You often pay at merchants or checkout pages that only accept Visa or Mastercard.
  • You'd rather earn straight cashback than points or miles.
  • You expect to carry a balance from month to month.
  • You want the highest rewards rate on the market.

The numbers

Earn rateStill being checked with the bank
Annual fee₱1,500/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 waiverSpend Php 30,000 within 60 days of card delivery under no yearly fee for life promo (new applicants only; most recent promo ran Oct 1–Dec 31, 2025)

The catch

  • JCB isn't accepted everywhere in the Philippines — keep a Visa or Mastercard as a backup.
  • 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