• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Provides 5% rebate on clothing and apparel purchases, both here and abroad
  • Flexible, Non-expiring Rewards Points/AIRMILES/Cash Rebates
  • Free Purchase Protection and Free Travel Insurance up to ₱1,000,000
  • Complimentary Priority Pass™ membership
  • Free access to the Miascor and Skyview Lounges


  • 5% rebate on clothing and apparel transactions at any local or international retail shops
  • Shop and earn one (1) rewards point/airmile/cash rebate each time you charge ₱36 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
  • Complimentary Priority Pass™ membership
  • 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 every ₱36 charged to your card


  • For your entertainment spending, every time you charge ₱36.00 to your card earns you one (1) rewards point


  • 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

  • Free-for-Life Supplementary Card

    • Up to nine (9) supplementary cardholders with free annual membership fees 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 Waived up to 9 supplementary cards
Finance charges 3.50% per month
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

30% 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

Unlimited Rewards

Live the good life and experience premier lifestyle with the RCBC Infinite Credit Card. Whether local or abroad, you can take advantage of exclusive perks and promotions whenever you shop or travel using your card. Get more savings from your spending as you earn 5% rebate on clothing transactions at all retail shops, all year-round. You can also accumulate Reward Points as you receive 1 point each time you charge ₱36 to your card or ₱125 from supermarkets, drugstores, or gas stations. Accumulated reward points can be used to redeem shopping vouchers or directly credited/deposited to your account. Another option is to have it converted to Airmiles or instant cash rebates.

Fees and Charges of RCBC Infinite Credit Card

First year annual membership fee is waived. Succeedingly, it will be ₱3,600 annual membership fee for the principal cardholder. You can also request for 9, free-for-life supplementary cards. Monthly interest rate is 3.5% and late payment fee is 7% of past due amount or ₱200, whichever is higher.

Are you eligible for an RCBC Infinite Credit Card?

To apply, the principal cardholder must be at least 21 years old and have a minimum monthly income of ₱42,000. Supplementary cardholders should be 13 years old and up.

We want to help you make the right decision in choosing your card. Our team also recommends that you check out EastWest Bank Platinum Credit Card and HSBC Platinum Credit Card, both of which have similar benefits to what you're looking for.

Still not the card for you? Why not view the rest of the RCBC credit cards available on our site, and compare which one matches your needs.