Your ultimate beginner’s guide to RCBC’s top cashback credit cards in the Philippines.
Introduction
Kung first time mong kukuha ng credit card, chances are gusto mo makatipid at makakuha ng rewards every time you spend. One of the smartest ways to do this? Cashback credit cards.
RCBC offers several options designed for beginners who want to save on everyday purchases, earn rebates, and enjoy perks without complicated rules. Whether mahilig ka mag-grocery, mag-online shopping, or mag-travel, RCBC has cashback cards that can fit your lifestyle.
Sa blog na ’to, we’ll break down the best RCBC credit cards, their features, application process, and tips para masulit mo ang cashback perks.
Why Choose RCBC Cashback Credit Cards?
RCBC is one of the most trusted banks in the Philippines, offering cards perfect for first-time users:
âś… High cashback rates on groceries, fuel, dining, and online shopping
✅ Flexible redemption options — cashback is automatically credited
âś… No complicated point conversion
âś… First-year annual fee waivers for selected cards
âś… Wide acceptance locally and internationally
For beginners, RCBC’s cashback cards are simple, practical, and rewarding.
Best RCBC Credit Cards for Cashback
1. RCBC Flex Visa(Best for All-Around Cashback)
This is perfect for beginners who want control over where they earn the most cashback.
Why it’s great:
Earn 2% cashback on two preferred categories (groceries, fuel, travel, dining, or shopping).
Earn 1% cashback on all other purchases.
Choose your top categories and change them anytime.
Quick Specs:
Annual Fee: ₱1,500 (waived for the first year)
Minimum Income Required: ₱21,000/month
Ideal For: First-time cardholders who want flexible cashback choices.
2. RCBC Bankard Visa Platinum(Best for Dining & Shopping Lovers)
Kung mahilig ka kumain sa labas o mag-shopping, this card gives generous cashback and premium perks.
Benefits:
5% cashback on dining and online shopping
Free travel insurance up to ₱1M
Discounts and exclusive deals at partner restaurants and shops
Quick Specs:
Annual Fee: ₱3,000 (waived for the first year)
Minimum Income Required: ₱35,000/month
Ideal For: Beginners who spend more on food and lifestyle.
3. RCBC Landmark Ansons Visa(Best for Grocery & Department Store Shoppers)
Kung suki ka ng Landmark or Ansons, this card is a great deal.
Benefits:
5% cashback on all Landmark Department Store and Supermarket purchases
1% cashback on other spending categories
Exclusive in-store promos and discounts
Quick Specs:
Annual Fee: ₱2,500 (first year waived)
Minimum Income Required: ₱25,000/month
Ideal For: Shoppers who want huge savings on essentials.
4. RCBC ZALORA Credit Card(Best for Online Fashion Shoppers)
For fashionistas at online shopping lovers, this card focuses on Zalora perks.
Benefits:
6% cashback on Zalora purchases
2% cashback on online shopping sites
Exclusive Zalora discounts all year round
Quick Specs:
Annual Fee: ₱2,000 (waived for the first year)
Minimum Income Required: ₱21,000/month
Ideal For: Frequent online shoppers who want maximum rebates.
5. RCBC UNO Platinum Mastercard(Best for Travelers)
Kung mahilig ka mag-travel locally and internationally, this cashback card works best.
Benefits:
Earn 3% cashback on hotels, airlines, and travel bookings
1% cashback on other purchases
Complimentary travel insurance and lounge access
Quick Specs:
Annual Fee: ₱3,500 (waived for the first year)
Minimum Income Required: ₱35,000/month
Ideal For: Beginners who travel frequently and want travel perks.
How RCBC Cashback Works
When you spend, RCBC automatically calculates your cashback based on your chosen card:
Cashback is credited directly to your account — no need to redeem points.
Monthly cashback caps apply depending on your card type.
Some cards allow you to select categories where you want higher cashback (e.g., RCBC Flex Visa).
Pro Tip: Choose a card aligned with your lifestyle spending habits para masulit ang rebates.
Eligibility & Requirements for First-Time Applicants
Basic Requirements
Must be 21 to 65 years old
Filipino citizen or foreigner with a valid Philippine address
Minimum income requirement starts at ₱21,000/month
Must have a valid government-issued ID and proof of billing
Documents Needed
For employed applicants:
Valid ID
Latest payslip or COE (Certificate of Employment)
Proof of billing
For self-employed applicants:
Business registration documents
Latest ITR or audited financial statements
Proof of billing
How to Apply for an RCBC Cashback Credit Card
Step 1 — Choose Your Card
Pick the cashback card that best matches your lifestyle and spending habits.
Step 2 — Prepare Your Documents
Make sure you have complete and updated requirements before applying.
Step 3 — Submit Your Application
Apply through an RCBC branch or online via their official credit card portal.
Step 4 — Wait for Approval
Processing typically takes 5 to 7 banking days if documents are complete.
Calculate Your Monthly Credit Card Cost
Before applying, it’s important to know how much you’ll pay monthly.
