RCBCUpdated Oct 19, 2026
RCBC Flex Gold Visa
No Annual Fee promo until Dec 31, 2026. T&Cs Apply.
Annual fee₱3,000/year
NetworkVisa
Minimum income₱500,000/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 ₱50,000
- Earn 2X reward points in three preferred categories you choose: Grocery, Gas, Travel, Department Store, or Household Appliances
Lock Card Feature
- Yes, via RCBC Pulz App
Card features
- Beginner Friendly
- NAFFL
Fees
- Annual fee
- ₱3,000/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
- ₱500,000/year
Rewards and cashback
- Card purpose
- Rewards
- Earning rate
- 2 Rewards Points for every ₱50 spend on Travel, Department Store, and Household Appliances
- 2 Rewards Points for every ₱125 spend on Grocery/Supermarket and Gas
- 1 Reward Point for every ₱50 spend on other non-service merchants or ₱125 spend on other service merchants
- 1 Reward Point for every ₱250 utility bill payment via Fast BillsPay
- Network
- Visa
Travel perks
- Travel benefit
- FREE Travel Insurance