• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Your passport to a world of superior convenience and world-class privileges
  • Available in Peso and Dollar variant
  • Flexible, Non-expiring Rewards Points/AIRMILES/Cash Rebates
  • Free Purchase Protection and Free Travel Insurance up to ₱1,000,000
  • Free access to the Miascor and Skyview Lounges
  • Up to five (5) supplementary cardholders with free annual membership fees for life


  • Shop and earn one (1) rewards point/airmile/cash rebate each time you charge ₱36/US$1 to your card
  • Get free real-time SMS alerts each time you make a purchase
  • Exclusive shopping deals and promotions


  • Free Travel Insurance & Purchase Protection up to ₱1,000,000
  • Free Access to the Miascor and Skyview Lounges for the Principal cardholder plus one (1) travel companion
  • 0% Installment for your purchases abroad
  • Get instant access to cash anywhere in the world
  • Get up to 100% increase in credit limit during your travel period


  • Dine and earn one (1) rewards point/airmile/cash rebate for every ₱36/US$1 charged to your card
  • Enjoy exclusive Dining PERKS from your favourite restaurants


  • Fuel up and earn one (1) rewards point/airmile/cash rebate each time you charge ₱125 from gas stations to your card
  • Gas up at PETRON using RCBC Bankard and enjoy 2x FUEL Rewards Points on top of the regular RCBC Bankard Rewards Points.


  • Earn one (1) rewards point/airmile/cash rebate each time you charge ₱125 from supermarkets and drugstores to your card

Other Features

  • Automatic Reversal of Annual Membership Fee

    • Annual membership fee is automatically reversed or waived upon card renewal if your total accumulated billings charged for the last 12 months is at least ₱500,000.

  • Free-for-Life Supplementary Card

    • Share the world-class and high-status benefits and privileges with your loved ones with the first FIVE supplementary cards FREE FOR LIFE!

  • Flexible and Non-expiring Rewards

    • Choose the manner by which you want to be rewarded – AIRMILES, Cash Rebate, Shopping Vouchers, Cash Deposit to your RCBC or RCBC Savings Bank, Cash Credit to your RCBC Bankard. And since your Rewards don’t expire, you can accumulate as many points as you can!

  • Unli 0% Installment

    • All your single-receipt purchases made anywhere and any amount can be converted to 0% installment for 3 months! There is no limit on the number of times you can request to avail of Unli 0%.

  • Pay for your Utility Bills, 24/7

    • Conveniently and quickly pay for your bills to over 40 merchants including electricity, water, internet, cable bills, insurance and more through Fast BillsPay. What’s even better, you will also earn Rewards / AIRMILES / rebates for your bills payment.

  • Secure Online Shopping

    • Get extra layer of protection when shopping online with password protection and personal message via Shop Secure or get an RCBC Bankard webshopper to shop online safely without having to reveal your main RCBC Bankard card details.

Card Information

Annual fee ₱3,600 (Annual fee is waived for the first year.)
Min. monthly income ₱41,667
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and older

Fee for supplementary holder ₱1,800.00 (waived up to 5 supplementary cards)
Finance charges 3.50% per month (for peso) / 2.50% (for dollar)
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee


Late payment charge

₱200.00 or 7% of outstanding amount, whichever is higher

Cash advance amount

50% of credit limit

Cash advance charge

₱500.00 or 3% of cash amount availed, whichever is higher

Cash advance interest charge


Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Privileges as Prestigious as Platinum

Open only to the limited few with impeccable credit record and cardholder status, with RCBC Black Platinum Peso Credit Card you can enjoy privileges and perks far superior than usual. Achieve world-class traveling convenience as you make payments in any currency and pay in Peso while enjoying international recognition and worldwide acceptance. With a high credit limit, you can also take advantage of cash advance benefits up to as much as 50% of your credit limit or ₱250,000, whichever is lower, at any ATM machine having the MasterCard Cirrus sign across the US and in other countries worldwide. You are eligible as well for emergency assistance anywhere in the world, exclusive access to Miascor Airport Lounge service, and free travel insurance coverage worth up to ₱1M. Plus, every time you use your card, you receive Flexible Rewards Points which you can use in a variety of ways suited to your need.

Fees and Charges of RCBC Black Platinum Peso Credit Card

First year annual membership fee is free for principal cardholder. Up to 5 supplementary cardholders get free annual membership fee for life. Succeedingly, it will be ₱3,600 on the following year for the principal cardholder. Monthly interest rate is 3.5% and late payment fee is 7% of past amount due or ₱200, whichever is higher.

Are you eligible for an RCBC Black Platinum Peso Credit Card?

To apply, you have to be at least 21 years of age with minimum monthly income of ₱41,667. Supplementary cardholders must be 13 years old and above.

Let our team assist you in choosing the right card. We also recommend that you check out RCBC Diamond Card Platinum Credit Card and Security Bank Platinum Credit Card, since both cards have features similar to what you're looking for.

Do you want to look at more options? You can view our full line up of RCBC credit cards on our site and find which one matches your requirements.