• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Enjoy FREE Annual Membership Fee for a lifetime!
  • Up to nine (9) supplementary cardholders with free annual membership fees for life
  • Use your card on all of your purchases and get to receive Flexible Rewards Points


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!


  • Exclusive deals, discounts and privileges are available for this credit card
  • Earn Flexible Rewards Points from all your purchases
  • Use your card every time you shop and receive one (1) rewards point for every ₱36.00 charged to your card


  • Priority Pass Airport Lounge Access provides access to, and all of the privileges of, more than 900 VIP lounges in major airports in over 100 countries worldwide for RCBC World Mastercard holders.
  • Spend on your travels using your card and earn one (1) rewards point every time ₱36.00 is charged to your card
  • Free Access to the Miascor and Skyview Lounges for the Principal cardholder plus one (1) travel companion


  • Eat at your favorite restaurant and use your card to receive one (1) rewards point for every ₱36.00 charged to your card


  • Fuel up using your card and get one (1) rewards point for every ₱125.00 spent on gas


  • Use your card on groceries or drugstore spending and receive one (1) rewards point for every ₱125.00 spent


  • Free Travel Insurance (Travel Plus) up to P1,000,000 & Free Purchase Protection

Other Features

  • Cash Advance

    • Get a cash advance equivalent up to 30% of your credit limit with fees that are either ₱500.00 or 3% of the amount, whichever is higher.

  • Free Supplementary Card

    • Get up to 9 supplementary cards and enjoy the same privileges and perks of your RCBC World Card for free.

  • Balance Transfer

    • 0.79% per month for a lock-in tenure of 12 months

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

  • Spend Analyzer

    • With the spend analyzer, get a categorized summary on all of your credit card transactions, conveniently built-in on your monthly statements.

  • Spend Monitor

    • Receive real-time alerts via SMS whenever you make a purchase which provides a tracking update based on your allocated budget for your own peace of mind.

  • Fast Bills Pay

    • Have the convenience of easily paying all your utility bills (phone, water, electricity, and more) and even get reward points for your spending.

Card Information

Annual fee ₱3,600.00
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 Waived up to 9 supplementary card holders
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 amount availed, whichever is higher

Cash advance interest charge

Same as credit card interest, 3.50%

Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Conveniently World-Class

With an RCBC World Credit Card, you are prepared with what the world has to offer. Enjoy a wide array of exclusive perks and privileges that will allow you to enter a whole new experience suited to your lifestyle. Benefit from Priority Pass Airport Lounge Access as well as MIASCOR Airport Lounge Service. You also get assistance from MasterCard Global Services in case of emergency situations, wherever you are. Feel more secure during your travels as you get free travel insurance coverage worth up to ₱1M. On top of all these advantages, you can get to earn flexible rewards points from all your purchases as you receive one rewards point for every ₱36 charged to your card. You can then use these points to redeem shopping vouchers, deposit to your account, or enjoy instant rebates with no limits.

Fees and Charges of RCBC World Credit Card

The annual membership fee for the first year is waived. Succeedingly, it will be ₱3,600 for the principal cardholder. Free lifetime annual membership fee for maximum of 9 supplementary cardholders. Interest rate is 3.5% per month and late payment fee is ₱400.

Are you eligible for an RCBC World Credit Card?

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

Are you considering other options? We can also suggest to look at Security Bank World Credit Card and Chinabank World Credit Card, which have comparable features that may interest you.

If you're still undecided, our team also recommends to consider the free annual fee RCBC credit card promo currently available on our website and apply for the right card which fits your need.