• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Earn Flexible Rewards Points/AIRMILES/Cash Rebates from all your purchases
  • Free Budget monitoring tools that give you financial control and empowerment
  • Secure shopping – online and in stores
  • Convert purchases, outstanding balance and payables to installment
  • Free International Travel Insurance & Purchase Protection


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 Waiver!


  • 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


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


  • Free Travel Insurance (Travel Plus Lite) & Purchase Protection


  • One (1) rewards point for every ₱125.00 spent on gas stations that you may use to redeem cash rebates, air miles, or vouchers.

Other Features

  • 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!

  • Free Budget Monitoring Tools

    • Helps you take control of your spending via customized financial management tools – Spend Analyzer and Spend Monitor – to help you keep track of your purchases and stay within your budget

  • 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 Points/ AIRMILES / Cash 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 ₱3,000.00
Min. monthly income ₱19,167.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and older

Fee for supplementary holder ₱1,500.00
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


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

Reliable Travel Companion

If you are a constant traveller, local or abroad, RCBC Gold Credit Card is your best travel companion. Going to your dream holiday destination has never been easier as you earn flexible rewards points when using your card. Get to earn 1 rewards point for as low as P36 charged to your card. Points can be used to redeem shopping vouchers, direct credit/deposit to your account, or have it converted to airmiles. You also receive free travel insurance, purchase protection, concierge service, and access to Miascor Lounge. Another advantage is 0% installment on your international spending. With wide recognition and international acceptance, this card does it all.

Fees and Charges of RCBC Gold Credit Card

First year annual membership fee for the first year is free. Afterwards it will be ₱3,000 for the principal cardholder and ₱1,500 for the supplementary cardholder. Monthly interest rate is 3.5% and late payment charge is ₱400.

Are you eligible for an RCBC Gold Credit Card?

Interested to apply? To be a principal cardholder, you must have a minimum monthly income of ₱19,167 and at least 21 years of age. To become a supplementary cardholder, he/she must be at least 13 years of age.

Let us help you decide. Our team also suggests to view Standard Chartered Gold Credit Card and UCPB Gold Credit Card, which have similar features that you may be interested in.

If you're also looking for additional privileges, you can view current RCBC credit card promos available on our website that you might be interested to avail.