Credit card · Mastercard · Rewards
RCBC Classic Mastercard
by Rizal Commercial Banking Corporation
Quick take
Main benefit
Lower-fee RCBC points. You get RCBC Rewards on a simpler Mastercard with a Php 1,500 regular yearly fee.
Main catch
The yearly fee returns after the first year (₱1,500) unless the bank waives it.
Income needed
₱15,000/mo The bank does the final check.
Annual fee
₱1,500/yr Waived for the first year.
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?
- You want a lower-fee RCBC Mastercard that still earns rewards points.
- You meet the published Php 180,000 annual income requirement.
- You can use the temporary lifetime yearly-fee waiver promo only if you meet RCBC's rules.
- You pay your balance in full each month to avoid interest.
- You want cashback instead of rewards points.
- You want a card with stronger travel perks.
- You often spend in foreign currency and want a lower foreign card fee.
- You expect to carry a balance from month to month.
The numbers
›More fees and details
The catch
- The yearly fee returns after the first year (₱1,500) unless the bank waives it.
- Interest is steep if you don't pay in full — about 3.00% a month.
Ready to decide?
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.
›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.
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.