RCBC Credit Card Cashback, Miles, and Points Explained
/
RCBC Credit Card Cashback, Miles, and Points Explained
Ever wondered why people love using credit cards for shopping, dining, or travel? It’s not just about convenience — it’s about rewards. With RCBC credit cards, you can earn cashback, travel miles, and reward points every time you spend.
For first-time credit card users in the Philippines, this guide will explain in simple terms how these rewards work, what makes them valuable, and how you can maximize them without falling into debt.
What Is a Credit Card and How Does It Work?
The Basics
A credit card lets you borrow money from the bank to pay for purchases. Instead of paying right away, you settle your bill at the end of the month.
Think of it as RCBC paying for you today, then you paying them back later.
Example:
You buy groceries worth ₱3,000.
RCBC pays the supermarket.
You settle your ₱3,000 bill on your due date (without interest if paid in full).
If you only pay the minimum, the remaining balance earns interest — so paying in full is always smarter.
Types of RCBC Credit Card Rewards
RCBC offers three main types of rewards programs: cashback, miles, and points. Let’s break each one down.
Cashback Rewards
Cashback is the simplest to understand. You get a percentage of your spending back as a rebate.
Example: If your RCBC card offers 5% cashback on groceries, a ₱5,000 grocery bill gives you ₱250 back.
The rebate is credited to your account, helping reduce your bill.
👉 Best for: Practical spenders who want everyday savings.
Miles Rewards
Miles are rewards for frequent travelers. The more you spend, the more airline miles you earn, which you can redeem for flights or upgrades.
Example: Spend ₱50,000 in a month = earn 1,000 miles. That’s like getting closer to a free domestic flight.
Some RCBC cards also partner with airlines for bonus miles.
👉 Best for: Travelers who want to save on airfare.
Points Rewards
Points are flexible rewards you can redeem for shopping, dining, gadgets, gift vouchers, or even annual fee waivers.
Example: ₱36 spent = 1 point.
Accumulated points can be redeemed in RCBC’s Rewards Catalog.
👉 Best for: Shoppers and lifestyle spenders who want variety.
How to Maximize RCBC Credit Card Rewards
Match the Right Card to Your Lifestyle
Cashback cards – great for groceries, gas, or utility bills.
Miles cards – perfect if you travel 2–3 times a year or more.
Points cards – useful if you like redeeming gadgets, shopping vouchers, or gifts.
Pay in Full, On Time
Rewards are useless if you’re paying high interest. Always settle your balance to truly benefit.
Track Your Spending
RCBC sends monthly e-statements — check them to see how many rewards you’ve earned.
Before making big purchases, use this calculator to know if your income can handle monthly payments. This ensures your rewards don’t get eaten up by interest charges.
Requirements to Apply for an RCBC Credit Card
For beginners wondering how to apply, here are the basics:
Eligibility
At least 21 years old.
Stable income (around ₱15,000–₱30,000 monthly, depending on card type).
Filipino resident.
Documents Needed
Valid government ID (UMID, Driver’s License, Passport, etc.).
Proof of income (Payslip, COE, or ITR).
Proof of billing (Meralco bill, water bill, etc.).
Common Issues Beginners Face with Rewards
Forgetting Expiry Dates – Some points or miles expire if unused.
Tip: Redeem early, don’t hoard points.
Overspending Just for Rewards – Spending ₱10,000 to earn ₱100 cashback isn’t smart.
Tip: Use the card for expenses you’d pay for anyway (like groceries).
Not Knowing Categories – Cashback may apply only to certain purchases.
Tip: Read RCBC’s promo details carefully.
Paying Only Minimum Due – Interest cancels out the value of rewards.
Tip: Always pay your balance in full.
Smart Beginner Tips
Start with one RCBC credit card that matches your lifestyle.
Keep your spending below 30% of your credit limit.
Redeem rewards for essentials (groceries, flights, or bills) to maximize value.
Treat rewards as a bonus, not a reason to spend more.
TL;DR (Too Long; Didn’t Read)
RCBC credit cards give you three kinds of rewards:
Cashback – rebates on daily purchases.
Miles – earn free or discounted flights.
Points – redeem for shopping, gadgets, or bill rebates.
If you’re a beginner, choose the card that fits your lifestyle, pay on time, and use the Credit Card Cost Calculator to stay on budget.
FAQs About RCBC Credit Card Rewards
1. Do RCBC reward points expire? Yes, some points and miles have expiry dates. Always check your account.
2. Can I combine cashback, miles, and points in one card? No, each card focuses on one type of reward. Choose based on your lifestyle.
3. What happens if I don’t pay my bill in full? Interest charges will apply, and your rewards become less valuable.
4. How soon do cashback or points reflect? Usually within the next billing cycle after your purchase.
5. Can beginners apply for an RCBC rewards card? Yes, as long as you meet the income and document requirements.
6. Which RCBC card is best for first-timers? Cashback cards are often best for beginners since they give instant savings.
✅ With RCBC, you don’t just spend — you also earn back through cashback, miles, or points. The secret is simple: use your card wisely, pay in full, and enjoy the rewards as a bonus to your lifestyle.
