What are you looking for today?
- Earn flexible, non-expiring Rewards Points from all your purchases which you can exchange for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to your RCBC Credit Card, Deposit to your RCBC deposit account, or Donation
- Free Travel Insurance (Travel Plus Lite) & Purchase Protection when you charge all your international travel-related needs to your card
- Access to PAGSS Lounge in Terminals 1 & 3
- Free budget monitoring tools that give you financial control and empowerment
- Convenient and rewarding utility bills payment
Eligibility
Required Documents
- A copy of one valid ID with photo and signature (i.e. UMID, Passport, Driver's License)
- For Employed: Latest ITR and/or W2 with BIR/Bank Stamp, latest payslip with monthly salary, original CEO (<6 months) with annual income details signed by authorized HR Group signatory, latest bank statement showing salary credit
- For Self-Employed/ Proprietor/ Businessman: Latest AFS with BIR/Bank Stamp, latest ITR and/or W2 with BIR/Bank Stamp, latest bank statement showing cash credits/sales receipts
Fees
Interest
Limits
Payment and Receiving Methods
Payment and Receiving Methods
Payment and Receiving Methods
Supported Payment Methods
Receiving Methods
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What makes the RCBC Gold Mastercard a good choice? In a nutshell: With each swipe, do more. This card, which offers outstanding perks to help you achieve your goals, is made for Filipinos who are climbing the achievement ladder.
This card, which has a ₱600,000 minimum income criteria, is designed for ambitious people who want premium benefits and financial management. For ₱3,000 a year, you will get value that fits in with your way of life.
The RCBC Gold Mastercard has no issue costs and is available to both seasoned professionals and high achievers due to its age eligibility of 21 to 65. This card helps you stay ahead of the curve when it comes to handling your money or making expensive purchases.
The RCBC Gold Mastercard will help you succeed. Apply today to take advantage of advantages that align with your goals.
Metrobank Travel Platinum Card
- Exclusive welcome gift for New-to-Metrobank credit cardholders
- Earn miles quickly with the Metrobank Travel Platinum Card
- Receive 1 mile for every ₱17 spent on airlines, hotels, and foreign currency transactions
- Earn 1 mile for every ₱50 spent on other categories
- Triple rewards on local airlines, hotel accomodation and international spending
- Enjoy a FREE first supplementary credit card
- Ideal for frequent travelers looking to maximize their rewards
Metrobank Titanium Mastercard
- No annual fees with a min. annual spend of ₱180K for new cardholders who apply until Aug 31, 2024
- Earn 2x points on online, department store and dining transactions
- Enjoy 1 never-expiring point for every ₱20 spent
- Experience exclusive benefits from Metrobank
- Ideal for shoppers focused on essential spending
Metrobank M Free Card
Frequently asked questions
The RCBC Gold Mastercard is designed for those who want premium features and greater financial flexibility:
Higher Credit Limit: Enjoy an increased credit limit that allows you to handle larger expenses and make more significant purchases.
Global Acceptance: Use your card at millions of establishments worldwide, providing ultimate convenience whether at home or abroad.
Enhanced Security: The card is equipped with EMV chip technology, offering superior protection against fraud and unauthorized transactions.
Contactless Payments: Make secure, quick payments by simply tapping your card at any contactless-enabled terminal.
Exclusive Rewards Program: Earn rewards points for every purchase made, which you can redeem for travel, dining, shopping vouchers, and other exciting rewards.
Complimentary Travel Insurance: Get automatic coverage for travel accident insurance when you pay for your trip using the card.
The RCBC Gold Mastercard offers a comprehensive rewards program with numerous perks:
Earn Rewards Points: For every purchase, you earn points that can be redeemed for a wide range of rewards, including shopping discounts, travel vouchers, and more.
Travel Perks: Earn additional rewards and benefits when booking flights or travel-related purchases.
Access to Premium Discounts: Enjoy exclusive deals and discounts at a variety of partners, including restaurants, retail outlets, and online stores.
Higher Points Earning Potential: The card provides more rewards points per transaction compared to entry-level cards, ensuring that your everyday spending goes further.
Yes, the RCBC Gold Mastercard comes with several fees and charges:
Annual Membership Fee: The card charges an annual fee, which may be waived for the first year or depending on your spending pattern. Check for any promotional offers where the fee may be reduced or waived.
Late Payment Fees: If the minimum payment is not made by the due date, a late payment fee will be imposed.
Interest Charges: Unpaid balances will accrue interest based on the current rate, so it's important to pay off your balance in full to avoid interest costs.
Cash Advance Fees: If you use your card for cash withdrawals at ATMs, a cash advance fee will apply, along with daily interest charges.
Overlimit Fees: If your balance exceeds the credit limit, you will incur an overlimit fee.
Managing your RCBC Gold Mastercard is convenient through multiple channels:
RCBC Online Banking: Log in to RCBC Online Banking to monitor your spending, track rewards points, view statements, and make payments.
RCBC Mobile App: Download the RCBC Mobile App for on-the-go account management. You can easily check your balance, make payments, and track your rewards from your phone.
Customer Service Support: If you have any concerns or need assistance, you can reach RCBC customer support via phone, email, or online chat for help with lost cards, disputes, or inquiries.
ATM Services: Use RCBC or BancNet ATMs to withdraw cash, check your balance, and make payments on your card.
To qualify for the RCBC Gold Mastercard, applicants must meet certain criteria:
Minimum Annual Income: You need to have a higher income level than entry-level cards, as the RCBC Gold Mastercard is a premium offering. Typically, applicants must have an annual income of at least ₱500,000 or more.
Age Requirement: Applicants should be at least 21 years old and not older than 65 years old at the time of application.
Required Documents: You’ll need to provide the following documents:
A valid government-issued ID (e.g., passport, driver’s license, or PRC ID)
Proof of income (e.g., payslips, income tax return, bank statements)
Proof of billing address (e.g., utility bills or lease contract)
Good Credit History: Applicants should have a positive credit history with no significant delinquencies or defaults.
Once your application is submitted, RCBC will assess your eligibility based on your income, credit score, and financial standing before approving your card.
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