Why Choose RCBC JCB Platinum?

It's the perfect companion for your Japan travels - earn higher Rewards Points, enjoy unique dining, shopping, & travel deals, and access to JCB Plaza Lounges in Japan.
More world-class travel benefits and offers – complimentary use of the LoungeKey™ service at JCB-selected lounges worldwide, up to 20% discount on car rental services, and access to a 24/7 Concierge Desk.
Earn 1 Rewards Point for every Php25 spend in Japan and as low as Php36 local spend. These points can be exchanged for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to your RCBC Credit Card, Deposit to your RCBC deposit account, or as Donation.
Free Travel Insurance up to Php1,000,000 and Purchase Protection when you charge all your international travel-related needs to your card

Enjoy these world-class benefits and offers exclusive with your RCBC JCB Platinum.

• JCB Platinum Airport Lounge Service - Get up to 8 complimentary visits at JCB-selected lounges of LoungeKey™ service in China, Korea, Thailand, Malaysia, Singapore, Germany, Taiwan, United Kingdom, and Vietnam until December 31, 2026.

Plus, enjoy free access to JCB-selected lounges in Japan and Hawaii for up to 6 times until March 31, 2026. Learn more here.

• Hassle-free Car Rental Service - JCB makes available discounted car rental rates to cardholders who use Hertz Rent-a-Car in over 60 countries all over the world. Save 10% Off on affordable rates or up to 20% Off regular standard rates. For reservations, simply visit Hert’s website or see the complete list of contact information per country here.

• JCB Platinum Concierge Desk - Get access to a 24/7 Concierge Desk manned by multi-lingual operators who can provide you with assistance on your restaurant and golf course reservations, sightseeing, entertainment activities, and support for credit card-related emergencies. One call for all the services you want and need, anywhere and anytime. When calling from the Philippines, dial Toll Free Number 1-800-1-816-0344. For complete list of Toll Free numbers by country, click here.

Features & Benefits

Budget Management

Unli Installment

Convert your straight purchases to installment for up to 36 months.

Spend Monitor

Get real-time SMS advisories on your credit card spending.

UnliPay

Pay anyone, anytime via real-time funds transfer using your RCBC Credit Card!

Spend Analyzer

Keep track of all your credit card transactions.

Fast BillsPay

Experience hassle-free and rewarding bills payment.

Balance Conversion

Convert your statement outstanding balance to installment.

Easyterms

Enjoy worry-free shopping with 0% installment for up to 36 months.

Balance Transfer

Consolidate your credit card bills in one card.

Enhanced Security

EMV Chip Technology

Enjoy the benefit of the chip technology that will help increase security and reduce fraud.

Travel

Free Travel Insurance & Purchase Protection

Get the assurance and protection you need when travelling abroad.

Access to World-Class Airport Lounges

Relax and freshen yourself before your flight in modern & cozy lounges with complimentary snacks & beverages and convenient facilities such as free WiFi, charging, shower room & more.

0% Installment on Purchases Abroad

Convert all your purchases abroad to installment!

Bonus Travel Limit

Get the spending power you need during your travel.

International Acceptance

Get instant access to cash anywhere in the world.

Rewards

Rewards Points

Earn Rewards Points that you can redeem in so many ways.

Airmiles

Fly for free to your dream destination sooner.

Get Cash

InstaCash

Take the extra cash you need for your future plans.

Cash Advance

Withdraw cash anytime at any ATM, here and abroad, using your RCBC Credit Card.

How to Apply

1. Choose a Card

Choose the right RCBC Credit Card for you.
2. Apply Online

Complete the online application form, submit the required documents, and verify your identity digitally.
3. Verification

We’ll get in touch with you to verify some information on your application.
4. Card Delivery

You will get a notification once your card is on its way to you!

You can also apply at any RCBC branch or RCBC Credit Card sales booths.

You must be 21-70 years old to qualify as a Principal Cardholder.
You must be at least 13 years old to qualify as a Supplementary Cardholder.
You must have a mobile number and landline in your place of work.

Requirements for Employees

Completely filled-out and signed application form
A copy of one (1) valid ID with photo and signature (i.e. UMID, Passport, Driver's License)
A copy of any proof of income:
For Employed

Latest Income Tax Return and/or W2 with BIR or Bank Stamp
Latest payslip stating monthly salary
Original Certificate of Employment (COE) with annual income details and signed by authorized Human Resources Group signatory. COE must not be more than six (6) months old
Latest bank statement showing the salary credit for the month

For Self-Employed, Proprietor, or Businessman

Latest Audited Financial Statement (AFS) with BIR or Bank Stamp and latest Income Tax Return (ITR) and/or W2 with BIR or Bank Stamp
Latest bank statement showing cash credits/sales receipt for the month

*Processing of credit card applications may take from 10 to 15 banking days

Membership Fee (Principal)	Php3,600/year
Membership Fee (Supplementary)	Waived up to 3 Supplementary Cards; in excess Php1,800/year
See the latest Interest Rates and Other Fees & Charges here.