YGC Rewards Plus Program

Earn Rewards Points when you shop and save with YGC Rewards Plus RCBC Credit Card!

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Earn unlimited Rewards Points when you shop & save with YGC Rewards Plus RCBC Credit Card!
  • Earn Rewards Points as you grow your deposit with RCBC or pay for your Malayan insurance payments.
  • Get Rewards Points when you use your YGC Rewards Plus RCBC Credit Card for all your purchases here and abroad.
  • Exchange your non-expiring Rewards points for AIRMILES, Cash Rebates, Shopping Vouchers, Cash Credit to your RCBC Credit Card, Deposit to your RCBC account, or Donation to a charitable institution.
  • Access to the Marhaba/Skyview Airport Loungfor the Principal cardholder plus one travel companion
  • Free Travel Insurance and Purchase Protection when you charge all your international travel-related needs to your card
  • Track your purchases better with our complimentary budget monitoring tools.
  • Available in YGC Rewards Plus Platinum Mastercard, YGC Rewards Plus Gold Visa, and YGC Rewards Plus Classic Visa


HOW TO EARN POINTS POINTS EARNED
Increase deposits in Peso Savings and Checking account
  • 1 Rewards Point for every incremental MTD ADB of Php1,000

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Increase deposits in US Dollar Savings account 1 Rewards Point for every incremental MTD ADB of US$50
Get an Auto Loan 20 Rewards points for every Php100,000 outstanding balance
Get a Housing Loan 20 Rewards points for every Php200,000 outstanding balance
Get Malayan Insurance’s products 20 Rewards points for every Php500 premium payment

Apply Now!

Visit any RCBC branch near you to apply for a YGC Rewards Plus RCBC Credit Card!


  • You must be 21-65 years old to qualify as a Principal Cardholder.
  • You must be 13-65 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 for Platinum Mastercard
Php3,000/year for Gold Visa
Php1,500/year for Classic Visa
Membership Fee (Supplementary) Waived for the first 5 Supplementary Cards; in excess Php1,800/year for Platinum Mastercard
Php1,500/year for Gold Visa
Php750/year for Classic Visa
See the latest Interest Rates and Other Fees & Charges here.
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