Credit cards
RCBC JCB Platinum
Rizal Commercial Banking
3.36 reviews
About this product
RCBC JCB Platinum 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
- JCB Japan and Asia privileges
- Good for
- Japan travel and shopping
- Rating
- 3.3 / 5
Card details
- Network
- JCB
- Tier
- Platinum
- Best for
- Japan travel and shopping
- Billing currency
- PHP
- Availability
- Public apply
- Principal annual fee
- ₱3,600
- Supplementary annual fee
- None
- Intro / first-year fee
- Up to 3 supplementary cards free; excess ₱1,800
- 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
- 1 point per ₱25 eligible Japan spend; base rate varies by category
- Bonus / cashback
- JCB Japan and Asia privileges
- Cap / threshold
- Program terms apply
- Airport lounge
- Access to 50+ JCB lounges; current rules apply
- Travel / purchase insurance
- Travel-related benefits
- Other key benefits
- JCB concierge and Japan privileges
- 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.