• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Enjoy FREE Annual Membership Fee for a lifetime!
  • 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
  • Diamond Cares Program - For every ₱100 charged to your Diamond Card, Php0.20 will be donated to Gawad Kalinga


Enjoy FREE Annual Membership Fee for a lifetime!

  • Apply and spend a minimum of Php30,000 within sixty (60) days from card issuance
  • Enjoy a lifetime Annual Membership Fee!


  • Shop and earn one (1) rewards point/airmile/cash rebate each time you charge ₱50 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 ₱50 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

  • Diamond Cares Program

    • Fulfil that caring part of your personality by automatically donating money to a worthy cause. For every ₱100 charged to your Diamond Card, the amount of ₱0.20 will be donated to Gawad Kalinga.

  • 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 ₱2,500.00
Min. monthly income ₱41,667.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and older

Fee for supplementary holder ₱950.00 (waived for first 3 supplementary card holders)
Finance charges 3.50% per month
Must have postpaid account? No
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee


Late payment charge


Cash advance amount

30% of credit limit

Cash advance charge

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

Cash advance interest charge

Same as credit card, 3.50%

Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

The Glory of Giving

Focused on giving, it makes it easier for women to manifest their innate caring and nurturing character with an RCBC Diamond Platinum Credit Card. With this card, through its Diamond Cares Program, you can automatically make a donation of ₱0.20 to Gawad Kalinga for every ₱100 charged to your card. Aside from supporting a worthy cause, you can enjoy worldwide acceptance and recognition, making your purchases as worry-free as possible. Exclusive access to MIASCOR Airport Lounge services is also available, while you enjoy free travel insurance coverage for your peace of mind. Payments are also more convenient as you get flexible terms with 0% interest for up to 12 months at beauty and wellness partner merchants. With all the remarkable features, your purchases also entitle you to earn 1 rewards point for every ₱50 charged to your card which you can use to redeem vouchers, deposit to your account, or convert to RCBC Bankard AIRMILES.

Fees and Charges of RCBC Diamond Card Platinum

First year annual membership fee is waived. Subsequently, it will be ₱2,500 for principal cardholders and ₱950 for the 4th supplementary cardholder onwards. The 1st to 3rd supplementary cardholders get free annual membership fee for life. Interest rate is 3.5% per month, and late payment fee is ₱400.00.

Are you eligible for an RCBC Diamond Card Platinum?

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

Need help in choosing which card to get? Our team of experts also recommend that you check out Union Bank Miles + Platinum Visa Credit Card and Citibank Platinum Credit Card, to help you decide which one fits your need.

Still unsure on what features are important to you? We strongly suggest that you take a look at the RCBC credit card no annual fee promo featured on our website, and apply for the card that matches your requirements.