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Get your RCBC Flex Gold Visa now and enjoy the flexibility of earning points faster and the flexibility to redeem what you want! Plus, have the financial muscle to manage your budget better.
Withdrawal Limit
₱50,000 daily
Min. Annual Income
600000
Annual Fee
3000
Gifts and promo
Air miles
- Want free flights? Just enroll in the AIRMILES Program. The choice is yours!
Cashback
Dining / restaurants
Loyalty points
- Get 2x Rewards in three preferred categories! Choose from GROCERY, GAS, TRAVEL, DEPARTMENT STORE, or HOUSEHOLD APPLIANCES. Switch preferred categories once every billing cycle. Plus, earn Rewards Points for all your other spending anywhere!
- Exchange them for shopping vouchers, redeem them as cash rebates, use them as cash credit to your deposit account, or as donations to charitable institutions
Traveling
- Free Travel Insurance (Travel Plus Lite) & Purchase Protection when you charge all your international travel-related needs to your card
- Access to PAGSS Lounge in Terminals 1 & 3
Shopping
Petrol
Bills/Payments
- Free budget monitoring tools that give you financial control and empowerment
Other
Eligibility
Minimum Age
21
Maximum Age
65
Min. Annual Income
600000
Landline Required?
Yes
No
Another Credit Card Required?
Yes
No
Required Documents (if applicable)
ID Documents
- A copy of one valid ID with photo and signature (i.e. UMID, Passport, Driver's License)
Proof of Income
- For Employed: Latest ITR and/or W2 with BIR/Bank Stamp, latest payslip with monthly salary, original CEO (<6 months) with annual income details signed by authorized HR Group signatory, latest bank statement showing salary credit
- For Self-Employed/ Proprietor/ Businessman: Latest AFS with BIR/Bank Stamp, latest ITR and/or W2 with BIR/Bank Stamp, latest bank statement showing cash credits/sales receipts
Additional Requirements
Fees
Annual Fee
3000
Issuance Fee
0
Free Annually?
Yes
No
Min Monthly Repayment
₱500 or 3% of adjusted total amount due
Interest
Interest Rate
3%
Interest Free Period
0
Days
Limits
Min Credit Limt
---
Max Credit Limt
---
Withdrawal Limit
₱50,000 daily
---
Payment and Receiving Methods
Payment and Receiving Methods
Payment and Receiving Methods
Supported Payment Methods
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Receiving Methods
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The RCBC Flex Gold Visa is the ideal card for frugal consumers since it combines flexibility and power. Get rewards more quickly in a few areas and have the flexibility to use the ones that work best for you. You are in charge of your financial destiny with this card.
The RCBC Flex Gold Visa blends affordability and usefulness, making it the perfect choice for anyone with a minimum yearly income of ₱600,000. The ₱3,000 annual fee guarantees that you will receive premium advantages without going over budget.
This card is unique since it emphasizes empowerment and personalization. This card easily fits your lifestyle, whether it's financial management or point maximization. Starting is also simple because there is no issuance cost and everyone between the ages of 21 and 65 is eligible.
Discover the RCBC Flex Gold Visa's possibilities right now. To experience a card that works as hard as you do, apply right away.
HSBC Gold Visa Cashback
Visa
Withdrawal Limit
0
Min. Annual Income
200000
Annual Fee
2500
Maya Black Credit Card
Visa
Withdrawal Limit
-
Min. Annual Income
0
Annual Fee
0
- No annual fee with just one monthly transaction
- Earn Maya Miles on every purchase—redeem for flights, travel perks, or partner rewards.
- Numberless card with dynamic CVV for enhanced security.
- Complete in-app control—freeze/unfreeze, view transactions, and manage limits instantly.
PNB Cashback Titanium Mastercard
Mastercard
Withdrawal Limit
-
Min. Annual Income
120000
Annual Fee
2500
Your First Card for Financial Freedom
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Frequently asked questions
What are the annual fees for the RCBC Flex Gold Visa?
The annual fee for the RCBC Flex Gold Visa is ₱3,000, reflecting its higher spending limit and enhanced benefits.
What are the rewards of the RCBC Flex Gold Visa card and how do I earn them?
Earn RCBC Rewards Points for every peso spent on eligible purchases. Enjoy bonus points on select categories like dining, groceries, and online shopping.
What are the income requirements for the RCBC Flex Gold Visa?
The minimum income requirements for the RCBC Flex Gold Visa is ₱600,000, reflecting the card's premium status.
What travel benefits does the RCBC Flex Gold Visa offer?
Expect enhanced travel benefits compared to the Classic Mastercard, such as travel insurance, airport lounge access, and potentially exclusive travel deals.
What are the credit limit options for the RCBC Flex Gold Visa?
The RCBC Flex Gold Visa typically offers higher credit limits compared to the Classic Mastercard, allowing for greater spending flexibility.
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