Which RCBC Credit Card is Best for Travel?

Traveling is more than just an escape. It’s how opportunities are unlocked, cultures are explored, ideas are born, and legacies take root. The right financial partner can make the journey smoother and more rewarding.

If you’re looking for the best credit card for travel in the Philippines, it pays to choose a card that works as hard as you do. Something that gives you real value. Perks that go beyond airfare and accommodations.

Let’s explore which RCBC credit cards are the ideal travel companions for you.

What is a Travel Credit Card?

A travel credit card is a type of credit card designed to reward frequent travelers with points, miles, or cashback for travel-related spending. These rewards can be redeemed for flights, hotel stays, transportation, and other travel expenses. Many also offer perks like airport lounge access, travel insurance, and concierge services, making trips more convenient and cost-effective.

When traveling, the first things we plan for are the flights and hotels. However, foreign currency, emergency support, and activities are just as important. The best travel credit cards provide a seamless experience, offering a level of confidence and security that cash or regular credit cards can't match.

A travel credit card should offer:

• Better rewards on international spending
• Comprehensive travel insurance
• Access to airport lounges
• Global concierge services
• Faster point accumulation and flexible redemption

But not all cards offer the same value. Some focus on points, others on perks. Some reward you for living large, others help you stay disciplined while still enjoying the ride.

What to Consider When Choosing a Travel Credit Card

The best travel credit card in the Philippines will depend on how you spend, how often you travel, and what benefits matter most to you. Ask yourself these questions when deciding on a card:

1. Do you travel frequently or a few times a year?

Higher-tier cards with lounge access and larger rewards might be worth the annual fee.

2. Do you spend more on flights, hotels, or experiences?

Choose a card that rewards your category of spending.

3. Do you want cashback, points, or perks?

If you prefer ease and simplicity, cashback might be better. If you like optimizing rewards, go for points.

4. Are you managing expenses while investing in growth?

Choose a card that helps track spending and supports both current and long-term financial goals.

What is the Best RCBC Credit Card for Travel

RCBC offers a plethora of options that will make every trip more rewarding. From premium lounge access to complimentary travel insurance, here’s a closer look at the options you can choose from.     

RCBC Visa Platinum Credit Card

Best for: Frequent travelers who want to maximize their AIRMILES and enjoy premium lounge access.

Travel Benefits:
• Earn Preferred AIRMILES at a 1:1 ratio for every ?25 spent, convertible to Mabuhay Miles, Asia Miles, or AirAsia points.
• Complimentary Priority Pass membership granting access to over 1,300 lounges worldwide.
• Unlimited access to the PAGSS Premium Lounge at NAIA Terminal 1.
• Up to P5 million in free travel insurance for added protection abroad.

Why Choose It:
This card is perfect for avid flyers who want to combine generous rewards with exclusive airport privileges and comprehensive travel insurance, making every journey comfortable and rewarding.

Eligibility Requirements:
• Must have an annual gross income of at least P1,000,000
• Principal Cardholder must be between 21 and 70 years old
• Supplementary Cardholder must be at least 13 years old

RCBC World Mastercard Credit Card

Best for: Global travelers who frequently spend on international purchases and want versatile reward redemption.

Travel Benefits:
• Earn 1 Rewards Point for every ?10 spent internationally and P30 locally.
• Redeem points instantly via Pay with Rewards on recent purchases.
• Complimentary Priority Pass membership with one free lounge visit annually.
• Unlimited access to the PAGSS Premium Lounge at NAIA Terminal 1.

Why Choose It:
Choose this card for its substantial rewards earning on international spend, flexible point redemption, plus premium lounge access that adds comfort and convenience to your travel experience.

Eligibility Requirements:
• Must have an annual gross income of at least P1,000,000
• Principal Cardholder must be between 21 and 70 years old
• Supplementary Cardholder must be at least 13 years old

RCBC Visa Infinite

Best for: Affluent travelers who seek premium rewards, elevated shopping rebates, and comprehensive travel protection.

Travel Benefits:
• Earn reward points for as low as P30 per spend.
• 3x Rewards Points on local online purchases*
• 5x Rewards Points on overseas in-store and online purchases*
• Complimentary Priority Pass™ membership.
• Unlimited free access to the PAGSS Lounge in NAIA Terminal 1 for the Principal cardholder plus one travel companion.
• Free Travel Insurance and Purchase Protection
• e-Commerce Purchase Protection of up to US$1,000 per claim per year for possible losses on online purchases, which include non-delivery, wrong or incomplete delivery, or damaged purchases.
• 24/7 Visa Concierge Service

*For first-time RCBC Credit Cardholders only

Why Choose It:
This card is tailored for travelers who combine a love for shopping and international travel, benefiting from high rebates and travel protection that enhance every journey. The added concierge service and lounge access provide convenience and luxury beyond transactions.

Eligibility Requirements:
• Principal Cardholder must be between 21 and 70 years old
• Supplementary Cardholder must be at least 13 years old
• Must have a mobile number and landline in your place of work

RCBC Gold Mastercard

Best for: Individuals seeking an entry-level card with rewards and basic travel perks, suitable for both local and international use.

Travel Benefits:
• Earn flexible, non-expiring Rewards Points from all your purchases, which you can exchange for shopping, travel, and other lifestyle perks.
• Enjoy access to world-class airport lounges.
• Free Travel Insurance and Purchase Protection.
• 0% installment on purchases abroad
• Bonus travel limit

Why Choose It:
A great option for travelers who want rewarding benefits without the high fees, this card provides useful lifestyle and travel perks that boost your spending power and make your trips easier.

Eligibility Requirements:
• Principal Cardholder must be between 21 and 70 years old
• Supplementary Cardholder must be at least 13 years old
• Must have a mobile number and landline in your place of work

Turn Every Trip into the Best One Yet with RCBC

Your destinations and goals may change, but one thing is sure: every trip is an opportunity. And with the right credit card for travel, every moment becomes more effortless, more rewarding, and more aligned with the life you're working to build.

Ready to travel better? Explore the full selection of RCBC credit cards and discover the best travel credit cards that give you access, protection, and the kind of value that lasts far beyond your boarding pass.