RCBCUpdated Oct 13, 2026
RCBC Black Card Platinum Mastercard
No Annual Fee promo until Dec 31, 2026. T&Cs Apply.
Annual fee₱3,600/year
NetworkMastercard
Minimum income₱1,000,000/year
Best forRewards
Everything important, in one place.
Welcome offers
No Annual Fee promo until Dec 31, 2026. T&Cs Apply.
Overview
- Provider
- RCBC
- Best for
- Rewards
Features
- Free Travel Insurance up to ₱1 million
- Flexible, non-expiring Rewards points
Lock Card Feature
- Yes, via RCBC Pulz App
Card features
- NAFFL
Fees
- Annual fee
- ₱3,600/year
- Monthly interest
- 3%
- Foreign transaction fee
- 3.50%
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
- 2.25%
- 2.25% for transactions amounting to ₱1,000 and up
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
- Rewards
- Earning rate
- 1 Reward Point for every ₱36 spend at discretionary merchants including dining, shopping, travel, and more
- 1 Reward Point for every ₱125 spend on service merchants including supermarkets, drugstores, and gas stations
- 1 Reward Point for every ₱250 utility bill payment via Fast BillsPay
- Network
- Mastercard
Travel perks
- Travel benefit
- FREE Travel Insurance