RCBC Visa Infinite review, fees and requirements
Top-tier travel perks for very high earners. Very high income rule. Most people do better with a no-fee card plus one travel card.
Card image: RCBCBenefits of the Visa Infinite
RCBC doesn’t publish benefits we could confirm. Check the card page before you apply.
Top-tier travel perks for very high earners.
Very high income rule. Most people do better with a no-fee card plus one travel card.
What it costs
- Annual fee
- ₱6,000/yr
- 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 ₱166,667 a month (₱2,000,000 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 Visa Infinite
Similar cards from other banks, and the next level up.
Premium perks at a lower annual fee than most.
- Annual fee
- ₱4,000/yr
- Income needed
- ₱65,000/mo₱780,000 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
Simple miles on everything if you fly a few times a year.
- 1 mile for every ₱30 on all purchases
- Up to ₱25 million travel coverage, medical included
Needs an existing card from another bank
- Annual fee
- ₱5,500/yrFrom listings; ask Metrobank
- Income needed
- ~₱83,300/moMetrobank
Needs another bank’s card for 9+ months with a ₱165,000+ limit.
See it on Metrobank Partly from the bank · confirm the rest · November 2026High spenders who want BPI’s top travel card.
- 2 BPI points for every ₱20
- Free lounge access at NAIA
- Up to ₱20 million travel accident and inconvenience cover
- Annual fee
- ₱5,500/yrFirst supplementary card free for life
- Income needed
- ₱100,000/mo₱100,000 a month
A ₱5,500 fee needs real travel or spending to earn back.
See it on BPI From the bank’s own pages · November 2026
RCBC Visa Infinite: questions
₱6,000 a year for the principal card. Many banks waive it if you ask, use the card regularly or redeem points.
About ₱166,700 a month (₱2,000,000 a year), per comparison listings; confirm with RCBC. Banks also look at your credit record and existing cards.
Usually not. Premium cards suit people with a longer credit record and a high income.
How this page works. Figures come from public 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.