rcbc gold mastercard

RCBC Gold Mastercard

Minimum Annual Income


(P50,000 Monthly)

Interest Rate


Annual Fee


Product Summary

rcbc gold mastercard

RCBC Gold Mastercard

Make the golden choice with the RCBC Bankard Gold Card. Earn reward points for as low as ₱36 per spend and exchange them for air miles, cash credit, vouchers, and other exciting rewards. Plus, get tree travel insurance and other travel perks with this credit card.
  • Earn reward points for as low as ₱36 per spend
  • Exchange your points to air miles and other rewards
  • Free travel insurance and purchase protection for every travel
  • Access free budget monitoring tools to help organize your finances
  • Ideal for: money-savvy cardholders and frequent flyers
Existing Credit CardRequired
Landline numberRequired
Age21 to 65 years old
Minimum Annual IncomeP600,000
Annual Fee P3,000 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate2%
Cash Advance Fee P200 / %

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Why Choose RCBC Gold Mastercard?

Looking for a credit card that will level up with you? The RCBC Gold Mastercard has you covered with perks that will fit your lifestyle. Find out more in this short review.

Experience the convenience of non-expiring reward points

You heard that right! With the RCBC Gold Mastercard, you can save up reward points to redeem rewards you’ve been eyeing since points are non-expiring. Earn 1 point for every ₱36 spend or ₱125 spent on gas stations, drugstores, and supermarkets.

Protect yourself with free ₱50,000 travel insurance

Travel light doesn’t only mean to travel with less luggage—it can also mean worry-free travel. That’s what the RCBC Gold Mastercard has to offer with Travel Plus Lite, your free travel insurance of up to ₱50,000. Just use your credit card on your next airline ticket purchase.

Control your finances with free budget monitoring tools

Be confident about your finances with the RCBC Gold Mastercard’s free budgeting tools. Use Spend Monitor to set a cap on your credit card spending and get real-time SMS updates on your card usage. Another tool, Spend Analyzer, summarizes and categorizes your card transactions.

Earn 1 reward point for every ₱250 bills payment

Who knew you can earn rewards by simply paying for your bills? It’s possible with the RCBC Gold Mastercard! Simply pay at least ₱250 on your bills to earn 1 reward or air mile. It’s also convenient since you can pay your bills anytime using the RCBC Online Banking app.

Is RCBC Gold Mastercard the Right Card for You?

If you always want to have the gold standard in your pocket, choose the RCBC Gold Mastercard. If you’re looking for something else, try these credit card picks:

  • RCBC Gold Flex Visa. Twice the reward points are always a great idea when choosing a credit card. And you’ll get that in not one, but three preferred categories of your choice! Choose from the following spend categories: gas, department stores, groceries, or household appliances.
  • HSBC Platinum Visa Rebate Card. Protect yourself and your purchases with this credit card’s free purchase protection coverage of up to ₱15,000 and a ₱10,000 Accidental Death coverage.
  • Citi Rewards Card. This is another credit card with non-expiring reward points. In addition, you get 3x more reward points when you use your card to shop and dine, with no limit to the number of reward points you can earn. So swipe away!


You earn one (1) point for every ₱36 spend. You also earn 1 point for every ₱125 supermarket, drugstore, or gas station spend.

Use your RCBC rewards points to redeem the following rewards:

  • Air Miles
  • Cash Rebates
  • Shopping Vouchers
  • Cash Credit to Your Credit Card
  • Deposit to RCBC Bank account
  • Donations

Your RCBC Bankard Gold Mastercard comes with free travel insurance of up to ₱50,000.

RCBC’s Purchase Protection program covers the costs of any lost or damaged items purchased overseas using your RCBC credit card. The maximum amount it can cover is ₱50,000 or the card’s credit limit, whichever is lower.

To check your application status, you may call RCBC at (02) 8888-1888. You may also send an email to email@service.rcbcbankard.com.


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