Credit cards
Black Platinum Mastercard
Rizal Commercial Banking
3.36 reviews
About this product
Black Platinum Mastercard from Rizal Commercial Banking offers 3% per month. Compare the facts below, then continue to the provider when you're ready.
Key facts
- Rate
- 3% per month
- Rewards
- Standard rewards grid
- Good for
- Flexible rewards
- Rating
- 3.3 / 5
Card details
- Network
- Mastercard
- Tier
- Platinum
- Best for
- Flexible rewards
- Billing currency
- PHP
- Availability
- Public apply
- Principal annual fee
- ₱3,600
- Supplementary annual fee
- None
- Intro / first-year fee
- Up to 5 supplementary cards free
- Fee waiver
- Supplementary fee benefit
- Monthly interest rate
- 3%
- Foreign transaction fee
- 3.5%
- Cash advance fee
- ₱200 (or US$3 for applicable dollar cards)
- Base earn rate
- RCBC flexible rewards
- Bonus / cashback
- Standard rewards grid
- Cap / threshold
- Program terms apply
- Airport lounge
- Selected offers
- Travel / purchase insurance
- Travel insurance up to ₱1M; purchase protection
- Other key benefits
- Premium installment and rewards features
- Eligibility
- Principal applicant generally 21–70, Philippine resident, employed or self-employed; phone and income documents required.
- Processing time
- Typically 10–15 banking days after complete documents
- Product page
- rcbccredit.com/credit-cards
- Fees / terms
- rcbccredit.com/card-fees-and-charges
What people say
Based on 6 reviews
UN
Unknown
12 Jul 2026
Fast release, clear terms
Applied online and got approved in two days. The rate matched what was advertised — no surprise fees. Staff answered all my questions.
UN
Unknown
3 Jul 2026
Good but paperwork heavy
Rates are competitive and the app is decent. Took a while to gather all the documents, but support was patient with an OFW like me.
UN
Unknown
28 Jun 2026
Reliable for repeat borrowers
Second time borrowing here. Renewal was smooth and the monthly amortization is exactly as computed on Finsyal.