RCBC Hexagon Club Worth it?

I am currently thinking of opening up an account in RCBC to join the Hexagon Club. Any tips advice and reviews on this? 1. Automatic ba na may Platinum Card ka once you open up an account with them? (In their website its subject for approval daw) 2. Reliable ba yung CS nila and relationship manager. (This is probably one of the best selling point for me). 3. How easy was it to get loans from them after opening up a Hexagon Club Account? 4. I have 4 Banks right now: BDO (Primary), BPI (Payroll), SECB (Current), UB (just for convinience). Would are they any better than RCBC?

Thanks!