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Metrobank Cashback Visa vs RCBC Flex Gold Visa

Honest side-by-side comparison of Metrobank Cashback Visa, RCBC Flex Gold Visa — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Metrobank Cashback Visa

Metrobank

RCBC Flex Gold Visa

RCBC

Your adjusted comparison

Feature
Metrobank Cashback Visa credit card

Metrobank Cashback Visa

Metrobank

RCBC Flex Gold Visa credit card

RCBC Flex Gold Visa

RCBC

Fees & eligibility
Annual fee₱3,500₱3,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱58,334/mo₱25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₱3,514/yr₱2,550/yr
Groceries (offline)₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/mo₱8,000 × 2% = ₱160/mo (₱1,920/yr) · issuer max ₱800/mo
Fuel—₱4,000 × 2% = ₱80/mo (₱960/yr) · issuer max ₱800/mo
Travel—₱3,000 × 2% = ₱60/mo (₱720/yr) · issuer max ₱800/mo
Utilities & bills₱3,500 × 5% = ₱175/mo (₱2,100/yr) · issuer max ₱1,000/mo—
Top reward rate5% cashback2× Rewards Points
Primary reward cap₱1,000 rewards/mo cap₱800 rewards/mo cap
Key exclusionsNot statedNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₱3,610/yr combined NAV (₱96 vs best solo). Both annual fees apply.

Metrobank Cashback Visa details →RCBC Flex Gold Visa details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Metrobank Cashback Visa leads RCBC Flex Gold Visa by about ₱964/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₱35,000/mo

₱35,000/month total spend — typical Philippines user

Groceries ₱8,000 · Online ₱7,000 · Dining ₱5,000 · Fuel ₱4,000 · Bills ₱3,500

Metrobank Cashback Visa vs RCBC Flex Gold Visa comparison table
FeatureMetrobank Cashback Visa

Metrobank

RCBC Flex Gold Visa

RCBC

Fees & eligibility
Annual fee₱3,500₱3,000
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱58,334/mo₱25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₱3,514/yr₱2,550/yr
Groceries (offline)₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/mo₱8,000 × 2% = ₱160/mo (₱1,920/yr) · issuer max ₱800/mo
Fuel—₱4,000 × 2% = ₱80/mo (₱960/yr) · issuer max ₱800/mo
Travel—₱3,000 × 2% = ₱60/mo (₱720/yr) · issuer max ₱800/mo
Utilities & bills₱3,500 × 5% = ₱175/mo (₱2,100/yr) · issuer max ₱1,000/mo—
Top reward rate5% cashback2× Rewards Points
Primary reward cap₱1,000 rewards/mo cap₱800 rewards/mo cap
Key exclusionsNot statedNot stated
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
RCBC Flex Gold Visa has the lowest annual fee at ₱3,000.
Which card earns more on moderate spend?
Metrobank Cashback Visa leads with an estimated ₱3,514/yr net annual value on moderate spend.
Which card has the lower income requirement?
RCBC Flex Gold Visa lists a minimum monthly income of ₱25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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