Who can apply for the RCBC Gold Mastercard?
RCBC evaluates Filipino citizens and residents of legal age with a stable income and a clean credit record. The product page does not print a minimum income for the Gold card; the catalog notes that income and credit history requirements are given on request, so expect the bank to confirm the threshold during the evaluation.
Meeting the criteria lets you apply; it does not guarantee approval. The bank decides the credit limit and may ask for additional documents.
Requirements for the RCBC Gold Mastercard
✔️ At least 21 years old, Filipino citizen or resident with a Philippine address and mobile number
✔️ Regular employment or an established business, with documented income
✔️ One valid government-issued photo ID
✔️ Employees: latest ITR or W2 with BIR or bank stamp, or a certificate of employment with annual income signed by HR, not older than six months
✔️ Self-employed: latest audited financial statement with BIR or bank stamp and latest ITR
A tip for you!
Charge your flights and hotel bookings to the card: the Travel Plus Lite insurance and the purchase protection only apply to trips paid with it.
Choose the 0% installment at the checkout of partner stores instead of revolving the balance; at 2% a month, a revolving balance is the most expensive way to use the card.
If you rarely fly, redeem your points as cash credit to the card or as a deposit to your RCBC account; the value is immediate and the points never expire anyway.
What are the fees of the RCBC Gold Mastercard?
Annual membership fee: ₱3,000 for the principal card and ₱1,500 for each supplementary card. Finance charge: 2% a month according to the catalog, applied to unpaid balances and cash advances. Cash advance, late payment and foreign transaction fees follow the table of interest rates and other charges linked from the product page; check the latest version before applying.
How to apply for the RCBC Gold Mastercard?
Go to the RCBC credit cards page, choose the Gold Mastercard and complete the online application form. Upload the required documents, verify your identity digitally and submit; RCBC reviews the application and informs you of the result and the assigned credit limit.
Have your ID and your latest income document ready in PDF or photo format, then press the button to go to the official RCBC page.
Kredua is not a bank, a lending company or a financial institution, and we do not grant credit. We review products offered in the Philippines so you can decide with more information; every application is made directly with the institution, which is the only one that evaluates and approves it.
