RCClassic MastercardMastercard

RCBC Classic Mastercard

MastercardClassicPointsAccepting applications

The RCBC Classic Mastercard is for young professionals seeking financial independence. It offers flexible, non-expiring rewards points redeemable for airfare, cash rebates, vouchers, or donations, plus free travel insurance and convenient budget management tools.

Annual fee: ₱1,500
Min. income: Not listed
Live deals: 112

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Why this card

Highlights

Earn flexible, non-expiring Rewards Points from all purchases
Free Travel Insurance & Purchase Protection
Access to World-Class Airport Lounges
Free Budget Monitoring Tools (Spend Analyzer, Spend Monitor)
0% Installment on Purchases Abroad up to 36 months
Convenient Bills Payment with Fast BillsPay

Perks

What you get

Travel

Free Travel Insurance (Travel Plus Lite) & Purchase Protection
Bonus Travel Limit for additional spending power during travel
0% Installment on Purchases Abroad up to 36 months
International Acceptance with instant access to cash anywhere in the world

Lounges

Access to World-Class Airport Lounges with complimentary snacks, beverages, free WiFi, charging, and shower room

Installment

Unli Installment - Convert purchases to installment for up to 36 months
Easyterms - 0% installment for up to 36 months on select purchases

Spend Monitor - Real-time SMS advisories on credit card spending
Spend Analyzer - Track all credit card transactions
Balance Conversion - Convert statement outstanding balance to installment
UnliPay - Pay anyone, anytime via real-time funds transfer using the credit card
Mastercard E-Commerce Protection
Mastercard Automatic Billing Updater

Security

EMV Chip Technology for increased security and reduced fraud
Shop Secure - One-Time Password (OTP) for online purchases
Web Shopper for online shopping convenience and security

Rewards

How rewards work

1Points are non-expiring
2Redeemable for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to RCBC Credit Card, Deposit to RCBC deposit account, or Donation

Rewards

Flexible Rewards Points from all purchases

Who can apply

Age 21 to 70
Supplementary Cardholders must be at least 13 years old
Must have a mobile number and landline at place of work

What you'll need

Completely filled-out and signed application form
Copy of one valid ID with photo and signature (UMID, Passport, Driver's License)
Proof of income: Latest Income Tax Return and/or W2 with BIR or Bank Stamp, Latest payslip stating monthly salary, OR Original Certificate of Employment with annual income details (not more than 6 months old), OR Latest bank statement showing salary credit for the month (for employees)
For self-employed/proprietor/businessman: Latest Audited Financial Statement with BIR or Bank Stamp, Latest Income Tax Return and/or W2 with BIR or Bank Stamp, Latest bank statement showing cash credits/sales receipt for the month

Read from RCBC Credit Cards's official pages on Oct 6, 2026. Banks change their terms, so confirm on the official page before you apply.

RCBC Classic Mastercard

112 deals for this card

iPhone 18 Pro Offers: Special Price + 0% Installment or Up To ₱5,000 CASHBACK

FlowerStore.ph 10.10 Grand Sale: 25% OFF + Free Shipping

Potico.ph 10.10 Grand Sale: 30% OFF + Free Shipping

10% OFF at Miguel & Maria and Comedor

Buy 6, Get 2 FREE at Big Momma’s Artisan Pies & Co

FREE Seafood Jambalaya at Burgoo

FREE Seafood Gumbo at Gumbo

30% OFF at Alba Restaurante Español

₱1,000 OFF at SM Appliance Center

0% Installment + FREEBIES at Joneco Tech and Idenico

Buy 2, Get 1 FREE deal at Highlands Coffee

10% OFF at Dot Zero Hair Studio

Exclusive Discounts at edamama

25% OFF or FREE Nano Treatment at Hairshaft Salon

Up to 50% OFF at Avignon Clinic

Up to 35% OFF at Tambuli Seaside Resort and Spa

FREE ₱500 Gift Certificate at Electric Garden

Everyday Spend Cashback Promo

Up to 70% OFF at Crimson Resort & Spa Boracay

Get up to ₱1,000 CASHBACKwith Google Pay

10% OFF at Le Feu Steak House

15% OFF at Barefaced Hair Studio and Spa

FREE VIP Service at Chinese Visa Center

Up to 20% OFF at Gianetto

Highlights

What you get

How rewards work