RCBC Flex Visa review, fees and requirements
A simple RCBC starter with a modest fee and the first year free. Confirm the income rule with RCBC; comparison sites list different figures.
Card image: RCBCBenefits of the Flex Visa
From RCBC’s own card page.
- First year membership fee waived
- Rewards points on every spend
A simple RCBC starter with a modest fee and the first year free.
Confirm the income rule with RCBC; comparison sites list different figures.
What it costs
- Annual fee
- ₱1,500/yrRCBC fee schedule; RCBC waives the first year
- Supplementary card
- Ask the bank
- Interest
- 3% a monthOnly if you don’t pay the full balance by the due date
- Late payment
- ₱1,000 or the unpaid minimum, whichever is lower
- Cash advance
- ₱200 per transactionPlus interest from day one
- Foreign currency
- 2.25% on foreign currency spend
What RCBC asks for
- Gross income of about ₱20,833 a month (₱250,000 a year)
- No existing credit card needed
- A valid government ID and proof of income (payslips, COE or BIR Form 2316; ITR if self-employed)
- Age 21 or older is the usual rule for principal cardholders; check the bank’s form
Approval is the bank’s call. Applying where your salary or savings already are helps.
Cards to compare with the Flex Visa
Similar cards from other banks, and the next level up.
BPI payroll or savings clients: your bank already knows you.
- 1 BPI point for every ₱35, points never expire
- Redeem for shopping credits, gift vouchers or airline miles
- Track and redeem points in the Vybe app
- Annual fee
- ₱1,550/yrFirst supplementary card free for life
- Income needed
- ₱20,000/mo₱20,000 a month
It has an annual fee. Ask for a waiver after the first year, or redeem points for it.
See it on BPI From the bank’s own pages · November 2026The lowest income rule we found, and no annual fee ever.
- No annual fee for life, supplementary cards too (PNB fee table)
- Annual fee
- No annual feeFree for life (PNB fee table)
- Income needed
- ₱10,000/moPNB application form
Few rewards. It is a card for building history, and a good backup card later.
See it on PNB From the bank’s own pages · November 2026A no-fee first card from a bank with a strong app.
- Annual fee
- No annual feeNo annual fee
- Income needed
- ₱15,000/mo₱180,000 a year
Check the current fee and perks on UnionBank’s page; promos change.
See it on UnionBank From comparison listings · confirm with the bank · November 2026
RCBC Flex Visa: questions
₱1,500 a year for the principal card (RCBC fee schedule; RCBC waives the first year). Many banks waive it if you ask, use the card regularly or redeem points.
About ₱20,800 a month (₱250,000 a year), per comparison listings; confirm with RCBC. Banks also look at your credit record and existing cards.
Yes. It is a starter card, and applying where you already bank helps.
How this page works. Figures come from RCBC’s own pages and, where the bank doesn’t publish them, comparison listings, checked November 2026. Banks change fees and rules and decide approvals case by case, so confirm on RCBC’s page before you apply. If the button above is a partner link it says so; PesoPilot may earn a fee when an application is approved, at no cost to you, and it never changes what we say about a card. Educational, not financial advice.