Finding the right travel credit card can be complicated. One card may offer plenty of airport lounge visits but earn miles slowly. Another may earn miles quickly but charge a high foreign-currency fee whenever you use it abroad.
The RCBC Airmiles Visa Signature tries to strike a balance between the two.
It gives cardholders faster mileage earning on overseas purchases, access to several airline loyalty programs, complimentary airport lounge privileges, travel insurance, and a relatively low foreign-currency fee. These features helped it earn the top position in our ranking of the best travel credit cards in the Philippines.
But is it really the best travel credit card for you?
In this guide, we will take a closer look at how the RCBC Airmiles Visa Signature works, including its earning rates, airline partners, lounge benefits, annual fee, travel insurance, application requirements, advantages, and possible drawbacks.
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What Is the RCBC Airmiles Visa Signature?
The RCBC Airmiles Visa Signature is a premium travel rewards credit card issued by Rizal Commercial Banking Corporation.
The card was launched in March 2026 as an upgraded version of the RCBC Visa Platinum. Existing Visa Platinum cardholders are being moved to the new Airmiles Visa Signature product, with upgraded benefits such as a lower foreign-currency fee, expanded airport lounge privileges, and higher travel insurance coverage.
As the name suggests, the card is designed primarily for people who want to earn airline miles from their credit card purchases.
Its major features include:
- One Signature Airmile for every ₱25 spent overseas
- One Signature Airmile for every ₱48 spent locally
- 1:1 conversion to participating airline loyalty programs
- Non-expiring and unlimited Signature Airmiles
- A promotional 1.50% foreign-currency conversion fee
- Unlimited access to the PAGSS Lounge at NAIA Terminal 1
- Priority Pass membership with up to four free visits annually
- Complimentary international travel insurance of up to ₱20 million
- Visa Signature travel and lifestyle privileges
That is a strong combination, especially for Filipinos who travel internationally several times a year.
RCBC Airmiles Visa Signature Benefits at a Glance
| Feature | RCBC Airmiles Visa Signature benefit |
|---|---|
| Overseas earning rate | 1 Signature Airmile per ₱25 |
| Local earning rate | 1 Signature Airmile per ₱48 |
| Airline conversion | 1 Signature Airmile to 1 partner airline mile or point |
| Airline partners | Mabuhay Miles, Asia Miles and AirAsia Rewards |
| Miles expiration | No expiration |
| Earning limit | No published maximum |
| Minimum redemption | 2,500 Signature Airmiles |
| Foreign-currency fee | 1.50% until December 31, 2026 |
| Standard foreign-currency fee | 1.70% |
| Local airport lounge | Unlimited PAGSS access at NAIA Terminal 1 |
| International lounges | Priority Pass membership with up to four free visits |
| Travel insurance | Up to ₱20 million |
| Principal annual fee | ₱5,500 |
| Supplementary annual fee | ₱2,750 |
| First-year annual fee | Waived |
Card features, fees, partners, and eligibility rules can change, so it is always wise to confirm the latest terms directly with RCBC before applying.
How to Earn Signature Airmiles
One of the best things about this card is that its mileage system is easy to understand.
You earn:
- One Signature Airmile for every ₱25 overseas transaction
- One Signature Airmile for every ₱48 domestic transaction
The overseas rate covers eligible purchases made abroad and qualifying international online transactions. The domestic rate applies to qualified in-store purchases, online transactions, and bill payments in the Philippines.
This means the card rewards international spending much more aggressively than local spending.
For example, suppose you spend ₱100,000 during an international trip. That amount would earn approximately:
₱100,000 ÷ ₱25 = 4,000 Signature Airmiles
Meanwhile, ₱100,000 in local purchases would earn approximately:
₱100,000 ÷ ₱48 = 2,083 Signature Airmiles
That difference is significant. It shows that the card is most rewarding when used for foreign purchases, including overseas hotels, restaurants, transportation, shopping, and eligible online bookings.
Do RCBC Signature Airmiles Expire?
RCBC says that Signature Airmiles do not expire. There is also no published cap on how many miles you can accumulate.
This is a valuable feature for travelers who do not spend enough to redeem a flight every year.
With programs that impose an expiration date, you may feel pressured to transfer or use your rewards before you are ready. Non-expiring Signature Airmiles allow you to continue building your balance until you have enough for a more meaningful redemption.
Keep in mind, however, that once you transfer Signature Airmiles to an airline program, the transferred miles will be subject to that airline program’s own expiration policy.
In other words, your miles may not expire while they remain with RCBC, but a different rule may apply after they are moved to Mabuhay Miles, Asia Miles, or another partner.
RCBC Airmiles Airline Partners
The RCBC Airmiles Visa Signature allows you to convert your rewards to participating frequent-flyer programs at a 1:1 rate.
Current partners include:
- Philippine Airlines Mabuhay Miles
- Cathay Pacific Asia Miles
- AirAsia Rewards
One Signature Airmile is equivalent to one mile or point with the participating program, subject to RCBC’s current redemption rules. A minimum of 2,500 Signature Airmiles is required for each redemption request.
This flexibility is one reason the card stands out.
Mabuhay Miles
Mabuhay Miles is the frequent-flyer program of Philippine Airlines. It is the most obvious option for travelers who frequently fly PAL domestically or internationally.
You may use transferred miles for eligible reward flights, upgrades, and other redemptions offered by the program.
Asia Miles
Asia Miles is connected to Cathay Pacific and can be useful for travelers flying through Hong Kong or using eligible partner airlines.
This option may appeal to people who want more international redemption possibilities beyond Philippine Airlines.
AirAsia Rewards
AirAsia Rewards is useful for travelers who frequently book budget flights with AirAsia.
Unlike traditional airline miles, AirAsia’s program uses a points-based redemption structure. The number of points needed can vary depending on the flight, fare, demand, and prevailing program rules.
How to Convert RCBC Airmiles
To convert your Signature Airmiles, you need an active account with the participating airline loyalty program.
You will need to provide your membership number when submitting the redemption request. RCBC currently accepts airline-mile redemption requests through its credit card customer-service channels.
The basic process is:
- Create or confirm your Mabuhay Miles, Asia Miles, or AirAsia Rewards account.
- Check that your name on the loyalty account matches your RCBC cardholder information.
- Accumulate at least 2,500 Signature Airmiles.
- Contact RCBC Credit Cards to request the transfer.
- Provide your airline loyalty membership number.
- Wait for the transfer to be processed.
RCBC lists its credit card hotlines and service email as redemption channels.
It is generally better not to transfer points without a specific redemption in mind. Keeping the rewards with RCBC preserves your flexibility until you decide which airline program offers the best value for your planned trip.
Low Foreign-Currency Conversion Fee
Foreign-currency fees are easy to overlook when comparing travel credit cards, but they can have a major effect on your total travel expenses.
The RCBC Airmiles Visa Signature currently offers an all-in 1.50% foreign-currency service fee for eligible international purchases. The promotional rate is valid until December 31, 2026. After the promotion, the card’s stated standard rate is 1.70%.
Both rates are competitive compared with many Philippine credit cards that charge foreign-currency fees of approximately 2.5% to more than 3%.
For example, a qualifying foreign-currency purchase equivalent to ₱100,000 would result in an approximate fee of:
- ₱1,500 at a 1.50% rate
- ₱1,700 at a 1.70% rate
- ₱3,500 at a 3.50% rate
The savings become more noticeable when you use your card extensively for airfare, hotels, restaurants, shopping, and other expenses abroad.
Always choose the local foreign currency
When a payment terminal abroad asks whether you want to pay in Philippine pesos or the destination’s local currency, it is generally better to select the local currency.
For example:
- Choose Japanese yen when paying in Japan.
- Choose Thai baht when paying in Thailand.
- Choose Singapore dollars when paying in Singapore.
- Choose US dollars when paying in the United States.
Selecting Philippine pesos can trigger dynamic currency conversion, commonly called DCC. With DCC, the merchant or payment processor determines the exchange rate, which may be less favorable.
RCBC also states that transactions processed in Philippine pesos through DCC do not qualify for its reduced foreign-currency fee offer.
Before tapping or inserting your card, check the currency shown on the terminal.
Unlimited PAGSS Lounge Access at NAIA Terminal 1
Principal RCBC Airmiles Visa Signature cardholders receive unlimited complimentary access to the PAGSS International Lounge at NAIA Terminal 1 when taking an international flight.
You must present:
- Your RCBC Airmiles Visa Signature
- Your international boarding pass
The lounge may offer facilities such as complimentary snacks and beverages, Wi-Fi, charging stations, seating areas, and other passenger amenities. The PAGSS Lounge at Terminal 1 is currently listed as operating 24 hours daily.
This benefit can be valuable when your flight is delayed, you arrive at the airport early, or you simply want a quieter place to wait before departure.
However, there are two important limitations.
First, the benefit applies to the principal cardholder. Complimentary companion access is not listed as a standard benefit for the Airmiles Visa Signature.
Second, the complimentary PAGSS privilege specifically covers the participating lounge at NAIA Terminal 1. It does not automatically mean unlimited access to every lounge in every NAIA terminal.
Priority Pass Membership and International Lounge Access
The card also comes with complimentary Priority Pass membership.
Priority Pass provides access to more than 1,800 airport lounges and travel experiences across over 700 airports in 145 countries. However, complimentary membership does not automatically make every lounge visit free.
With the RCBC Airmiles Visa Signature, you can unlock up to four free Priority Pass visits per calendar year.
Here is the catch:
You must accumulate at least ₱250,000 in spending within a calendar quarter to unlock one free visit for that quarter.
That means:
- ₱250,000 from January to March may unlock one visit.
- ₱250,000 from April to June may unlock one visit.
- ₱250,000 from July to September may unlock one visit.
- ₱250,000 from October to December may unlock one visit.
Meeting the spending requirement in all four quarters could give you four complimentary visits during the year.
Any visit beyond your unlocked entitlement will be charged to your card at Priority Pass’s prevailing rate.
Is the Priority Pass benefit really useful?
It depends on your spending.
Someone who regularly spends more than ₱250,000 per quarter may unlock the visits naturally. But for an average cardholder, spending ₱1 million over four quarters just to earn four lounge visits would be difficult to justify.
You should treat the international lounge visits as a bonus for spending you were already planning—not as a reason to spend more.
The unlimited PAGSS access is the more practical lounge benefit because it does not have the same quarterly spending requirement.
Complimentary Travel Insurance of Up to ₱20 Million
The RCBC Airmiles Visa Signature includes complimentary international travel insurance with coverage of up to ₱20 million.
Depending on the policy’s terms, coverage can include benefits for situations such as:
- Personal accidents
- Trip cancellation
- Trip termination
- Overseas medical emergencies
- Delayed baggage
- Delayed flights
- Lost luggage and other travel inconveniences
RCBC’s published insurance information lists the Airmiles Visa Signature as eligible for coverage of up to ₱20 million.
However, simply owning the card does not automatically insure every trip.
How to activate the complimentary insurance
To activate the benefit, you generally need to:
- Charge your eligible international travel ticket to the RCBC Airmiles Visa Signature.
- Wait for the transaction to be posted.
- Register through RCBC’s travel insurance registration page.
- Receive an electronic Confirmation of Cover from Malayan Insurance.
Eligible purchases may include international airfare, cruise tickets, or tour packages booked through a travel agency, provided the trip originates in the Philippines and complies with the insurance terms.
Registration must be completed early enough for the insurer to issue your electronic Confirmation of Cover. RCBC advises registering after the transaction has posted and at least five banking days before your scheduled departure.
Do not wait until the day before your flight.
Coverage for family members
The complimentary insurance may be extended to as many as two eligible family members when the principal cardholder purchases their travel tickets using the card.
RCBC’s current eligibility description includes spouses and parents up to age 64, as well as qualified children and siblings up to age 21, subject to the full policy conditions.
Length of coverage
The complimentary international travel insurance generally covers trips of up to 15 calendar days.
Longer trips may require purchasing an extension or additional coverage directly from the insurance provider.
Remember that the ₱20 million figure is a maximum headline amount. Individual benefits, such as baggage delay or trip cancellation, can have much lower sublimits.
Read the electronic Confirmation of Cover carefully before relying on the policy.
Visa Signature Travel and Hotel Benefits
Because this is a Visa Signature card, cardholders may also receive access to premium Visa travel and lifestyle privileges.
These include:
- 24/7 Visa Concierge assistance
- Access to selected Visa Luxury Hotel Collection benefits
- Travel, dining, and lifestyle assistance
- Special privileges at more than 900 participating luxury properties worldwide
Possible hotel benefits may include room upgrades, late checkout, food and beverage credits, or other property-specific inclusions. Availability varies by hotel, booking channel, dates, and current Visa program conditions.
Visa Concierge can assist with services such as restaurant reservations, travel planning, and selected lifestyle requests. It is important to understand that the concierge service itself may be complimentary, but any reservation, ticket, purchase, or third-party service arranged through it will still be charged to you.
RCBC Credit Card Features Beyond Travel
Although this is primarily a travel card, it also comes with RCBC’s regular credit card management features.
These may include:
Unli Installment
Eligible straight purchases can be converted into installment payments through RCBC’s available channels, subject to the prevailing rates, fees, and approval conditions.
UnliPay
UnliPay allows eligible cardholders to use their available credit limit to send funds for qualified payments. A processing fee generally applies.
Fast BillsPay
You may use the card to pay participating bills and earn rewards on qualified transactions.
Spend Analyzer
This feature helps you track and review your credit card transactions.
Virtual Card
Eligible cardholders may receive or request a virtual card for safer online purchases.
InstaCash
InstaCash allows qualified cardholders to convert part of their credit limit into cash, subject to interest, fees, and bank approval.
These facilities can be convenient, but installment plans and credit-to-cash services should be used carefully. Always check the total interest and processing fees before proceeding.
RCBC Airmiles Visa Signature Annual Fee
The principal card has an annual membership fee of ₱5,500.
The supplementary card fee is ₱2,750 per year.
RCBC currently lists the first-year membership fees for both the principal and supplementary cards as waived. The updated annual fees took effect on June 11, 2026.
Whether the ₱5,500 annual fee is worth paying depends on how much value you receive from:
- Signature Airmiles
- Lower foreign-currency fees
- PAGSS lounge visits
- Priority Pass access
- Travel insurance
- Visa Signature hotel benefits
- RCBC promotions
A traveler who takes several international trips and spends regularly abroad may recover the annual fee through foreign-currency savings and lounge use alone.
Someone who rarely travels and mostly spends locally may find it harder to justify.
Other Important Fees and Charges
Aside from the annual membership fee, cardholders should be aware of RCBC’s regular credit card charges.
Published fees include:
- Monthly interest rate: 3%
- Cash advance fee: ₱200
- Late payment fee: Up to ₱1,000, subject to RCBC’s calculation rules
- Over-limit fee: ₱600
- Standard card replacement fee: ₱500
- Balance transfer processing fee: ₱500
- Balance conversion processing fee: ₱500
Additional charges may apply to UnliPay, InstaCash, installment conversions, quasi-cash transactions, casino transactions, and other services.
The most important number to remember is the 3% monthly interest rate.
Airline miles are rarely valuable enough to compensate for credit card interest. To maximize the card properly, pay the entire statement balance on or before the due date.
Who Can Apply?
RCBC’s general qualifications state that a principal cardholder must be between 21 and 70 years old.
Applicants must also have a mobile number and a landline number at their place of work. Applications can be completed online, at an RCBC branch, or through an authorized RCBC credit card sales booth.
RCBC may request documents such as:
For employed applicants
- Completed application form
- Valid government-issued ID
- Latest income tax return
- Latest payslip
- Certificate of employment containing annual income information
- Recent bank statement showing salary credits
For self-employed applicants
- Completed application form
- Valid government-issued ID
- Latest audited financial statements
- Latest income tax return
- Recent bank statement showing business sales or cash credits
RCBC states that processing may take approximately 10 to 15 banking days, although actual processing times can vary. Approval, credit limit, and card issuance remain subject to the bank’s credit evaluation.
How to Apply for the RCBC Airmiles Visa Signature
You may apply through RCBC’s online credit card application portal.
The usual process is:
- Select the RCBC Airmiles Visa Signature.
- Complete the online application form.
- Upload or submit the required documents.
- Verify your identity.
- Wait for RCBC to contact you for additional verification.
- Receive a delivery notification after approval.
You may also submit an application at a participating RCBC branch or credit card sales booth.
Provide only accurate and complete information. Inconsistent details between your application, employment documents, identification, and credit history can delay processing.
Advantages of the RCBC Airmiles Visa Signature
1. Excellent overseas mileage rate
Earning one mile for every ₱25 in overseas spending is highly competitive. It works especially well for travelers who pay for hotels, dining, shopping, and transportation abroad.
2. Flexible airline partners
You are not permanently tied to one airline. You can choose among Mabuhay Miles, Asia Miles, and AirAsia Rewards depending on your travel plans.
3. Non-expiring Signature Airmiles
You can accumulate rewards without rushing to redeem them before a bank-imposed expiration date.
4. Low foreign-currency fee
The 1.50% promotional rate—and 1.70% standard rate—can help reduce the cost of international purchases.
5. Unlimited PAGSS access
Frequent international travelers departing from NAIA Terminal 1 can use the lounge repeatedly without meeting a quarterly spending requirement.
6. Priority Pass membership
The card gives you access to a large global lounge network, with the possibility of unlocking four free visits each year.
7. High travel insurance coverage
The maximum coverage of ₱20 million is competitive, provided you charge the eligible ticket to the card and complete the registration process.
8. First-year annual-fee waiver
You can try the card’s features during the first year without immediately paying the standard principal membership fee.
Possible Disadvantages
1. Slower local earning rate
One mile per ₱48 local spend is respectable but not the fastest rate available.
If almost all of your spending happens in the Philippines, a card offering one mile per ₱30 on every qualified transaction may accumulate miles faster.
2. High Priority Pass spending requirement
You need ₱250,000 in spending during a calendar quarter to unlock just one free Priority Pass visit.
That is a major hurdle for many cardholders.
3. Limited local lounge location
The unlimited complimentary lounge benefit currently focuses on the PAGSS International Lounge at NAIA Terminal 1. Travelers departing from other terminals may not receive the same benefit.
4. Only three published transfer partners
The card offers useful flexibility, but the partner list is still smaller than those of some international rewards programs.
5. ₱5,500 annual fee after the first year
The card needs to deliver at least that much value each year to make keeping it worthwhile.
6. Travel insurance requires registration
The insurance is not something you should assume is active merely because you bought a flight with the card. You must follow RCBC’s registration process and receive the Confirmation of Cover.
Is the RCBC Airmiles Visa Signature Good for Local Spending?
It can still be useful locally, but local spending is not where the card performs best.
At one mile per ₱48, spending ₱240,000 locally would earn approximately 5,000 Signature Airmiles.
A competing card earning one mile for every ₱30 would generate around 8,000 miles from the same ₱240,000.
That does not automatically make the RCBC card a poor choice. You must also consider its lower foreign-currency fee, lounge privileges, insurance, and transfer partners.
However, someone whose spending is almost entirely local should compare the effective mileage rate carefully.
Is It Good for Overseas Spending?
Yes. Overseas spending is the strongest part of the card.
The combination of:
- One mile per ₱25
- A promotional 1.50% foreign-currency fee
- A 1.70% stated standard fee
- Travel insurance
- International lounge access
makes it one of the better Philippine-issued cards for frequent international use.
Just remember to choose the destination’s local currency at the payment terminal and avoid dynamic currency conversion.
Who Should Consider This Card?
The RCBC Airmiles Visa Signature is a good match for:
- Frequent international travelers
- Philippine Airlines passengers
- Cathay Pacific and Asia Miles users
- AirAsia customers
- Travelers who want more than one airline transfer option
- People who regularly spend in foreign currencies
- Passengers departing from NAIA Terminal 1
- Cardholders who can use the travel insurance benefit
- High spenders who can unlock Priority Pass visits
Who May Be Better Off With Another Card?
Another card may be more suitable when:
- Most of your purchases are local
- You rarely travel internationally
- You prefer Singapore Airlines KrisFlyer
- You want free international lounge visits without a large spending requirement
- You usually depart from terminals other than NAIA Terminal 1
- You cannot justify a ₱5,500 annual fee
- You want a broader list of airline and hotel transfer partners
Tips for Maximizing the RCBC Airmiles Visa Signature
Use it for overseas purchases
The card’s ₱25-per-mile overseas rate is significantly better than its ₱48 local rate.
Pay in the destination’s currency
Avoid selecting Philippine pesos when using a payment terminal abroad.
Keep your rewards with RCBC until needed
Do not transfer miles too early. Transfer them when you have a clear redemption plan and have confirmed award availability.
Charge eligible international tickets to the card
Doing so can make the trip eligible for complimentary insurance, provided you register properly.
Register for insurance early
Wait for the ticket transaction to post, then complete the registration process well before departure.
Request your Priority Pass membership
The Priority Pass benefit requires activation. Do not wait until you are already at the airport.
Track quarterly spending
When you are close to the ₱250,000 quarterly threshold through normal expenses, you may be able to unlock a complimentary international lounge visit.
Pay the full statement balance
Never carry an interest-bearing balance just to earn miles. A 3% monthly finance charge can quickly erase the value of your rewards.
Review the card before the second year
Before the ₱5,500 annual fee becomes due, calculate how much value you actually received during the previous 12 months.
Frequently Asked Questions
How much is the RCBC Airmiles Visa Signature annual fee?
The principal annual membership fee is ₱5,500. The supplementary card fee is ₱2,750. RCBC currently lists both as waived during the first year.
How many miles do I earn?
You earn one Signature Airmile per ₱25 overseas spend and one per ₱48 domestic spend on qualified transactions.
Do Signature Airmiles expire?
RCBC states that Signature Airmiles do not expire and have no published earning cap.
What airlines can I transfer my miles to?
Current published partners include Philippine Airlines Mabuhay Miles, Cathay Pacific Asia Miles, and AirAsia Rewards.
What is the minimum mileage redemption?
You need at least 2,500 Signature Airmiles for a redemption request.
Does the card include free airport lounge access?
Yes. Principal cardholders receive unlimited complimentary access to the participating PAGSS International Lounge at NAIA Terminal 1.
The card also includes Priority Pass membership, with up to four complimentary visits annually. Each free Priority Pass visit requires at least ₱250,000 in accumulated spending within the corresponding calendar quarter.
Can I bring a guest into the PAGSS Lounge for free?
The Airmiles Visa Signature benefit is published as complimentary access for the principal cardholder. Free companion access is not listed as a standard inclusion for this card. Guest charges may therefore apply.
Does the travel insurance activate automatically?
No. You must charge an eligible international ticket to the card, wait for the transaction to post, register through RCBC’s insurance page, and receive an electronic Confirmation of Cover.
How long does the complimentary insurance cover a trip?
RCBC currently states that complimentary international coverage applies for up to 15 calendar days. Longer coverage may be purchased from the insurance provider.
What is the card’s foreign-currency fee?
The card offers a promotional 1.50% fee until December 31, 2026. Its published standard rate is 1.70%.
Can I apply online?
Yes. Applications can be submitted through RCBC’s online application portal. You may also apply through an RCBC branch or authorized credit card sales booth.
Is the RCBC Airmiles Visa Signature Worth It?
The RCBC Airmiles Visa Signature is worth considering when you travel internationally and regularly use a credit card for foreign purchases.
Its one-mile-per-₱25 overseas rate is competitive. The low foreign-currency fee helps prevent transaction charges from eating too deeply into the value of your miles. The ability to choose among Mabuhay Miles, Asia Miles, and AirAsia Rewards also gives you more flexibility than a card tied permanently to one airline.
The unlimited PAGSS Lounge access and travel insurance add practical value, especially for passengers departing from NAIA Terminal 1.
The weakest part of the package is the Priority Pass requirement. Spending ₱250,000 every quarter to unlock one visit is demanding, so most people should not treat the card as an easy source of four free international lounge visits.
The local earning rate is also slower than some competing travel cards.
Even with those limitations, the overall combination of mileage earning, airline flexibility, low foreign-currency costs, lounge access, and insurance makes this one of the strongest all-around travel credit cards currently available in the Philippines.
Final Thoughts
A travel credit card should fit the way you actually spend—not the way you imagine you might spend someday.
The RCBC Airmiles Visa Signature makes the most sense for someone who travels abroad regularly, uses Philippine Airlines, Cathay Pacific, or AirAsia, and wants to keep foreign-currency charges relatively low.
It may be less compelling for someone who travels only once every few years or spends almost everything locally.
Before applying, estimate how many miles you would earn from your typical annual spending. Then compare that value with the ₱5,500 annual fee, lounge benefits, insurance, and foreign-currency savings.
Most importantly, pay your full statement balance by the due date. Used responsibly, the RCBC Airmiles Visa Signature can move you closer to your next trip. Used while carrying debt, the interest charges can cost far more than the flight rewards you earn.
Card benefits, fees, airline partners, promotions, lounge arrangements, and insurance provisions are based on RCBC’s publicly available information checked on August 6, 2026. Terms may change without notice. Credit card approval remains subject to RCBC’s credit evaluation and eligibility requirements.
