Credit cards
UnionPay Diamond
Rizal Commercial Banking
3.36 reviews
About this product
UnionPay Diamond 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
- 2× points at selected hotels/restaurants in China regions
- Good for
- China-region travel and spend
- Rating
- 3.3 / 5
Card details
- Network
- UnionPay
- Tier
- Diamond
- Best for
- China-region travel and spend
- Billing currency
- PHP
- Availability
- Public catalog
- Principal annual fee
- ₱3,000
- Supplementary annual fee
- None
- Intro / first-year fee
- Up to 9 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 rewards
- Bonus / cashback
- 2× points at selected hotels/restaurants in China regions
- Cap / threshold
- Program terms apply
- Airport lounge
- UnionPay offers
- Travel / purchase insurance
- Travel-related benefits
- Other key benefits
- UnionPay regional 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.