RCBCUpdated Oct 13, 2026
RCBC AirAsia Visa Platinum
No Annual Fee promo until Dec 31, 2026. T&Cs Apply.
Annual fee₱4,800/year
NetworkVisa
Minimum income₱1,000,000/year
Best forTravel
Everything important, in one place.
Welcome offers
No Annual Fee promo until Dec 31, 2026. T&Cs Apply.
Overview
- Provider
- RCBC
- Best for
- Travel
Features
- Low Forex Rate of 1.85% on international purchases, both in-store and online
- Unlimited Free access to PAGSS International Lounge at NAIA Terminal 1
- Free Travel Insurance up to ₱5 million
- Monthly bonus of 500 AirAsia points when you spend at least ₱50,000 per month
- Welcome Gift of 15,000 AirAsia Points with ₱40,000 spend in 60 days
- Automatic AirAsia Platinum membership status with priority check-in, boarding, and baggage for you and your travel companion
Lock Card Feature
- Yes, via RCBC Pulz App
Card features
- FREE Travel Insurance
- Low Spend to Miles Earning
- NAFFL
Fees
- Annual fee
- ₱4,800/year
- Monthly interest
- 3%
- Foreign transaction fee
- 1.85%
Note: Forex fee applies to the converted amount based on the prevailing rate of your card network and RCBC at posting time
- Cross-border fee
- 1.85%
Note: Cross-border fees apply for purchases from merchants outside the Philippines, even if charged in Philippine Peso (₱)
Multiple Payment Fee
- N/A
Eligibility
- Minimum income
- ₱1,000,000/year
Rewards and cashback
- Card purpose
- Travel
- Earning rate
- 1 AirAsia Point for every ₱12.50 AirAsia purchase
- 1 AirAsia Point for every ₱28 local spend
- 1 AirAsia Point for every ₱22 overseas spend
- Network
- Visa
Travel perks
- Travel benefit
- Airport Lounge in the Philippines