Truva
Back to credit cards

Credit card · Mastercard · Rewards

RCBC Gold Mastercard

by Rizal Commercial Banking Corporation

Mastercard networkRewards card

Quick take

Main benefit

Mid-tier RCBC rewards. You get RCBC Rewards plus RCBC-listed travel and purchase-protection features.

Main catch

The yearly fee returns after the first year (₱3,000) unless the bank waives it.

Income needed

₱50,000/mo The bank does the final check.

Annual fee

₱3,000/yr Waived for the first year.

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 RCBC Rewards with a mid-tier Mastercard package.
  • You meet the published Php 600,000 annual income requirement.
  • You can benefit from RCBC-listed travel and purchase-protection features.
  • You pay your balance in full each month to avoid interest.
Look elsewhere if
  • You want the lower fee and lower income gate of RCBC Classic.
  • You want cashback instead of rewards points.
  • 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

Earn rate1 pt / ₱30
Annual fee₱3,000/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 40,000 within 60 days from card receipt. Outside the promo, RCBC lists 19,800 Rewards Points as a principal-card yearly-fee waiver redemption.

The catch

  • The yearly fee returns after the first year (₱3,000) unless the bank waives it.
  • 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 3, 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