RCBC Flex Visa Gold review, fees and requirements
RCBC’s step-up card once you outgrow Flex. Confirm the income rule with RCBC.
Card image: RCBCBenefits of the Flex Visa Gold
From RCBC’s own card page.
- First year membership fee waived
- Rewards points on every spend
RCBC’s step-up card once you outgrow Flex.
Confirm the income rule with RCBC.
What it costs
- Annual fee
- ₱3,000/yrRCBC fee schedule; first year waived
- 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 ₱41,667 a month (₱500,000 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 Gold
Similar cards from other banks, and the next level up.
Points on online shopping and dining with a mid-level income rule.
- 1 point for every ₱20, points never expire
- 2× points on online, department store and dining spend
- Redeem for eGCs, miles or donations
- Annual fee
- Ask the bankWaived under a current Metrobank offer (listings); ask for the regular fee
- Income needed
- ~₱29,200/moMetrobank
The fee waiver is a promo. Ask whether it is for life or only the first year.
See it on Metrobank Partly from the bank · confirm the rest · November 2026A mid-tier card from Security Bank.
- Annual fee
- ₱2,500/yr
- Income needed
- ₱30,000/mo₱360,000 a year
Figures from a 2025 fee table; confirm with Security Bank.
See it on Security Bank From comparison listings · confirm with the bank · November 2026
Points on dining, shopping and online spend, first year free.
- 4× bonus points on online, dining, shopping and overseas spend
- 1 bonus point for every ₱20
- No annual fee the first year
- Annual fee
- ₱2,500/yrFree the first year (HSBC)
- Income needed
- ~₱33,300/moLowest income HSBC lists for a public card
From year two the annual fee applies unless you get a waiver.
See it on HSBC Partly from the bank · confirm the rest · November 2026
RCBC Flex Visa Gold: questions
₱3,000 a year for the principal card (RCBC fee schedule; first year waived). Many banks waive it if you ask, use the card regularly or redeem points.
About ₱41,700 a month (₱500,000 a year), per comparison listings; confirm with RCBC. Banks also look at your credit record and existing cards.
It can be, if your income clears the rule, but most people start with a no-fee card and move up after 6 to 12 months of paying in full.
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.