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PNB credit cards for february 2024

PNB
Apply for a credit card from PNB. On 22.02.2024 you have access to 9 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 9
Updated:
18.10.2022
06:14
PNB
PNB-La Salle Green Hills Alumni Association Platinum Mastercard®
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PNB
PNB Diamond UnionPay®
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Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

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PNB
PNB-PAL Mabuhay Miles NOW Mastercard®
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PNB
PNB Cart Mastercard®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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300
650
1000
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Interest rates on credit cards in the Philippines

According to the guidelines for Bangko Sentral ng Pilipinas Circular No. 1133, Series of 2021, on the ceiling/s of interest rates and other fees charged by lending companies, financing companies, and their online lending platforms, the maximum nominal interest rate for unsecured loans is 6% per month (0,2% per day), and the maximum effective interest rate is 15% per month (0,5% per day). The caps apply to unsecured loans of no more than ₱10000 and payable within four months.

Credit Card Application Online of February 2024

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Savii
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No comment yet coz im not yet approved in my application
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DIGIDO
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very fast
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Kviku
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Please address my concerns regarding my loan application and its processing...
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Kviku
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Warning: This lender is predatory and extremely dangerous. Do not use this app for loans as they will trap you with impossible and maliciously high interest rates...
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Kviku
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I was charged an excessive amount by KVIKU. My last loan was approved on November 25th, 2022 for 5000 pesos...
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Kviku
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High Interest Rate. They approved my auto loan without discussing repayment options in full. Instead, they sent me a contract with scheduled payments, which is nowhere near the advertised 0...
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PNB credit cards for february 2024

Philippine National Bank (PNB) credit card allows its users to make payments, transfer funds, settle utility bills, and invest locally and globally. The bank offers different credit card types to suit different customers' needs based on their annual income.

What is a PNB credit card?

PNB cards serve Filipinos anywhere in the world by offering different credit cards to help customers pay for goods and services, settle their utility bills, transfer funds to different accounts, and access cash advances for emergencies as they earn reward points. Through the credit card service, the bank has added value to its customers' financial lives and promoted productivity in their investments through timely payments and access to funds for emergencies and other personal needs.

How can I borrow a loan using a PNB credit card?

A PNB credit card application is open to cardholders aged 21 to 65. You can borrow a credit card loan by online application or by visiting your nearest PNB branch and filling out an application form. Once your application is approved, PNB credit the proceeds to your account. If you set your account up for digital banking, you can do a PNB credit card application through the app. You can also utilize online applications to save your identity documents in PDF format before submitting them electronically, as well as to review your credit card statement.

You can also advance cash in times of emergencies through accredited ATMs. To access the cash advance, visit the nearest ATM with your card and enter the amount you want to borrow. Note that the amount you borrow should not exceed your PNB credit limit.

Types of PNB credit cards

The Philippine National Bank offers its customers a wide range of credit cards. During your PNB credit card application, you choose the card that meets their financial needs as per your credit limit. The minimum gross income requirements for different cards range from ₱120,000- ₱2000,000. Some cards are ideal for travel expenses, general purchases, overseas investments, and online shopping. Therefore, before you apply for a card, check out its income requirements, credit limit, charges and examine its features; if it meets your needs, it is ideal for you.

Here are the credit cards offered by the bank.

PNB Mastercard

  • PNB Ze-Lo Mastercard. The PNB Mastercard is ideal for shopping, dining, and travel expenses. The card provides low-interest cash advances and has no annual fee, as do all your other PNB credit cards. You also have the option to convert your credit limit into cash and pay in low-interest installments. You are eligible for this card if you are 21 or older and less than 65 years old, with a gross annual income of more than ₱100,000. If you are a principal credit cardholder, none of your additional credit cards incurs annual fees. The card also accepts contactless payments.

    You enjoy benefits like no late payment fee, no over-limit fees, a lower finance charge of 1.88%, a lower minimum amount due, and the ability to pay your bill in pesos, even for international transactions.

  • PNB Essentials Mastercard. This card is secure and earns you rewards points for cash, credit, and Mabuhay miles. Supplementary credit cards to this card are free of annual fee payments and allow for global, online, and contactless payment. To qualify for this card, you need a ₱120,000 gross annual income.

  • PNB Platinum Mastercard. To qualify for this card, your gross annual income should be ₱600,000 or more. You earn reward points when transacting with platinum Mastercard as per your credit card limit, access contactless payment, and spend securely with card protection. Supplementary cards are free of annual fees and charges, and the monthly rate is 1.98% for cash advances.

PNB-PAL Mabuhay Miles Mastercard

  • PNB-PAL Mabuhay Miles World Mastercard. If you travel frequently, PAL Mabuhay miles world Mastercard is your ideal card. You can use the card to pay your travel expenses in different currencies. As you travel, you access medical concierge services with an online discount on PAL all year round, as per your credit card limit. The card users enjoy many rewards, such as free 10,000 Mabuhay miles, priority check-in at PAL business class counters, and airport lounge access. Supplementary cards have their annual fee waived, and new users get a welcome gift of 200 Mabuhay miles.

    Customers aged 21-65 years with a ₱2,400,000 minimum gross annual income are eligible for this card.

  • PNB-PAL Mabuhay Miles Platinum Mastercard. You are eligible for this card if your annual gross income is ₱1,200,0000 or more and you are aged 21-65. Mabuhay miles platinum Mastercard is ideal for travel expenses, and new customers get a 2000 miles welcome gift. Money spent as per your credit card limit earns points you can convert to miles; one point equals one mile. Other perks for cardholders include exclusive year-round PAL discount, card protection, choice of single or dual currency billing, global online acceptance, and contactless payment. Supplementary cards to this card are exempted from the annual fee.

  • PNB-PAL Mabuhay Miles NOW Mastercard. The minimum gross annual income requirement for this card is ₱120,000. To apply, you should be 21+ but not more than 65 years old. Cardholders are exempted from the annual fee for the first three years and transact in peso locally and internationally. Supplementary cards have no annual fees and charges. You also earn reward points for every peso spent up to your credit card limit. This card is accepted globally and offers contactless payment.

PNB Visa

You are eligible for this card if you are between the ages of 21 and 65 and have a gross annual income of ₱120,000 or more. When you qualify, you can use contactless payment, which is accepted globally and online, and pay for your credit card bills. You will also receive a 1% rebate on revolved interest with a low annual fee. To protect users from fraud, PNB Visa has a card protection feature. All supplementary cards have no annual fee, and you can use this card to transact locally and internationally in pesos.

PNB UnionPay

  • PNB UnionPay. The card enables customers to bill in single or dual currency. The credit card is accepted globally and can be used online for contactless payment. Many benefits are available for card users, including reward points for cash credits and Mabuhay miles, travel and medical concierge, and the free annual fee for life for all supplementary cards. This card is ideal for traveling in Asian countries, and applicants should be 21-65 years old with a ₱120,000 minimum annual income.

  • PNB Diamond UnionPay. If you are between the ages of 21 and 65, have an annual income of at least ₱120,000, and meet all of the other PNB credit card requirements, you may be eligible for this card. You can use your rewards points to get cash credits and Mabuhay miles, as well as access to world Assist - a travel and medical concierge service - and discounts from UnionPay TravelMate Asia partner merchants. As you spend securely with Card Protect, you will receive a free annual fee for life on all of your PNB Supplementary Credit Cards, with the option of single or dual currency billing and contactless payment.

Other co-branded cards

  • PNB-Alturas Visa Card. This card comes with many benefits, including free membership to the Alturas loyalty card, a 10% discount at South Palms Resort Banglao, Mabuhay Miles, and cash credits. The card has a protection feature with travel, fraud transaction, and purchase protection insurance. Cardholders can also participate in the Caltex rebate and get a 3% discount on purchases up to ₱20,000 per month. For transaction tracking, the card has an electronic statement of account. Customers can access cash advances using their cards at any PNB ATM countrywide and bill in pesos.

    PNB Alturas Visa card is accepted globally and has flexible payment methods in payment centers. To apply for this card, you should be 21-65 years old with a ₱120,000 minimum gross income annually. This card is available for Filipino citizens and Philippines residents employed for at least one year in the current station.

  • Alumni Association of Asian Institute of Management. The credit card comes with rewards such as free travel insurance, reward points, and no interest on installments ranging from 3-18 months. Users also access balance transfers from other cards at a 0.49% interest. You are eligible for this credit card if you are 21-65 years old, Filipino, or a Philippine resident with a minimum annual income of ₱120,000 or more.

    With this card, you can pay for local and international purchases in pesos and other currencies. Online transactions are available and the payments are flexible in different payment centers.

  • Jewelmer Joaillerie Platinum Mastercard. Customers who love jewelry can apply for this credit card and access many perks from the south sea pearls. A 20% discount on the birthday month, loyalty gifts, and 0% installment terms up to 24 months. You can access the services of this PNB MasterCard on your device using the app and make payments, transfer balances, make global transactions to more than 200 countries globally, and convert straight payments at low interest.

    Applicants of this card must be 21+ years old and have a minimum monthly income of ₱15,000. If this is your supplementary card, provide personal confidential credentials for your principal card like the credit card number, its expiry date, and mobile number.

  • Alumni Association of Xavier School (AAXS). This card comes with many benefits, including waived annual fee for life, free travel insurance for up to ₱3 million, free purchase protection insurance, and dual currency billing. Cardholders enjoy rewards, including Mabuhay Miles and cash credits. You can visit your nearest ATM or apply online for this PNB card using your device via the app to get a cash advance.

    Other services include flexible payment in different payment centers and transaction conversion at low-interest rates.

  • PNB - Ateneo de Zamboanga University PLATINUM MASTERCARD (AdZU). AdZU cardholders enjoy special installment rates for tuition fees and charges for up to 12 months, earn rewards points of Mabuhay miles, and access free travel insurance. The card offers services including balance transfer, conversion to cash, transaction conversion, and a zero percent affordable payment plan.

    Applicants of this card must have at least a four-year degree, employed or in business, with all proof of identification and residence documents.

  • De La Salle Zobel Alumni Association (DLSZAA). DLSZAA credit cards offer users special installment rates for the DLSZ tuition fee for up to 24 months, free purchase protection insurance of up to ₱250,000, travel insurance, and dual currency billing. Cardholders are also eligible for cash advances of up to 30% of their credit limit from different ATMs countrywide. This card is accepted globally and helps you make flexible payments at different payment centers.

    With this card, you can also access 3% rebates when purchasing fuel for up to ₱30,000 per month.

  • Immaculate Conception Academy Alumnae Association (ICAAA). This Mastercard comes with many perks including waived annual fee for life, dual currency billing, free travel insurance, and free purchase protection insurance. All the money you spend earns you cash credits and Mahubay miles with a 3% rebate on fuel purchases from Caltex amounting to ₱20,0000 per month.

    With this card, you can access a cash advance from the ATMs countrywide or through the PNB digital app. The card is accepted globally and helps you make flexible payments from different payment centers.

  • The Travel Club Platinum Mastercard. An ideal card for your travel expenses comes with many perks like a 20% discount on all regular-priced The Travel Club house brands on your birthday. It also offers a 5% discount on all Travel Club stores, a 1% rebate on the Travel Club Installment transactions, and one reward point for every ₱40 spent at the Travel Club and ₱70 spent elsewhere. Also, you enjoy waived repair service beyond the warranty period and an annual fee for life.

    The Travel Club Platinum Mastercard enables you not to lose on the many benefits that come as you spend on traveling. You also enjoy transaction conversion, cash advance, and flexible payments. The card is accepted globally and offers cardholders a chance for a no-interest affordable payment plan for up to 24 months.

PNB Personal Installment Credit Card

The personal installment credit card enables you to avail up to 100% of your available credit limit. You can choose a flexible payment term from 6-60 months and enjoy competitive interest rates. The maximum amount you can avail is ₱200,000, payable for 48-60 months, and in case of an emergency, you can re-avail cash without re-applying.

How to apply a credit card?

To apply for a PNB card, you can contact customer care via mail or SMS. There are more than 10 PNB credit cards and each has different requirements. The minimum income per month/year, age, and features are some things to look at before applying. Here are the pre-qualifications for PNB credit cards.

Pre-qualifications

To be eligible for a PNB credit card, you must meet the following qualifications:

  • You must be a Filipino citizen

  • You must be 21-65 years old

  • You must be a regular employee with your current employer for at least one year or self-employed profitably for at least two years

  • You must proof of ₱120,000 minimum gross annual income

Once you meet the above requirements, you must have the following documents for proof of identity and residence.

  • A government-issued photo-bearing ID (driver's license, passport, TIN, SSS ID, unified multipurpose ID) or a private company-issued ID, or institutions registered with or supervised or regulated either by BSP, SEC, or IC. For foreign national applicants, a passport, Alien Certificate of Residence (ACR), Special Resident Retiree's Visa (SRRV), and a Certificate of Deposit issued by the bank where the PRA was deposited are required.

  • For employed: certificate of employment stating date hired, position, gross income, latest income tax return, or latest three months payslip.

  • For self-employed: latest audited financial statements, latest tax return, or copy of registration papers with DTI or SEC.

Application process

Once you have all the necessary paperwork needed for your credit card information, including the required credit limit per card, follow the steps below to apply for a credit card:

  • Log onto the PNB website.Click on the menu bar to select the card application.
  • Ensure you have all the requirements.
  • Select the card you want to apply for.
  • Fill out all the fields required. The fields in the form include:
    • Preferred credit card (if it is a supplementary card, input your principal credit card number too)

    • Personal information like contact details and user ID

    • Nature of work

    • Source of income

    • Credit cards with other local banks

    • Spouse information

    • Mabuhay membership

    • Automatic debit arrangement

    • Card delivery address

    • Supplementary card

                  • After filling out the registration form, submit it and await approval. You will receive an email from the bank after approval.

                  Who is eligible for a PNB bank credit card?

                  Filipino citizens 21-65 years living in the Philippines with a minimum gross income of ₱120,000 are eligible for the PNB bank credit cards. Applicants must have proof of income from employment or business.

                  How to repay PNB credit card loan debt?

                  Here is how you can repay your PNB credit card bills.

                  Steps to repay

                  You can repay your loan through PNB branches, ATMs, or other payment centers. You only need to deposit money to your PNB account, and the bank deducts the amount due through the Automatic Debit Arrangement function. You can also pay through Savemore payment centers, BancNet participating ATMs, and the app.

                  Here is how you can repay your PNB credit card loan debt online:

                  1. Click the Pay Bills button on the home page.

                  2. Select your desired bank account or credit card.

                  3. Choose the credit card loan to be paid.

                  4. Enter the reference number as well as the amount.

                  5. Enter the 6-digit one-time PIN (OTP) sent to your registered mobile phone number.

                  6. To disable OTP prompts, enable the PNB Digital Key.

                  7. On the notification screen, tap Approve.

                  8. You will receive a confirmation message containing your payment information.

                  Pros and cons

                  Credit cards have different requirements, interest rates, and rewards. Before you submit your credit card application, you need to analyze its features and find out if they meet your financial needs. You should also learn about the charges on each card and penalties in the event you pay past the due date. Here are some advantages and disadvantages of PNB credit cards.

                  Pros

                  • Their minimum income requirements are lower than those of other banks.

                  • They offer a wide range of credit cards to serve the needs of different customers.

                  • They have student-friendly credit cards to enable them to stay in college without financial constraints.

                  • Their cards are accepted globally and have many rewards.

                  Cons

                  • The application process favors customers with stable incomes.

                  • Their lower age limit is higher than other banks.

                  Philippine law gives the Bangko Sentral ng Pilipinas (BSP) Central Bank authority to regulate the credit card lending business.

                  BSP is the central bank for the Philippines. It is mandated to promote and maintain financial stability through prudent management of the nation's monetary and credit instruments, including cash, checks, money orders, overnight deposits, and time deposits with its banking institutions as well as in foreign exchange markets.

                  The BSP regulates credit cards in the Philippines through the Consumer Act (RA 7394) and the Philippine Credit Card Industry Regulation Law (RA 10870).

                  Philippine Credit Card Industry Regulation Law (RA 10870)

                  RA 10870 is a law created in response to the rapid growth of the credit card industry in the Philippines and its impact on the country's economy. The law aims to protect consumers from unfair practices within this industry, such as high-interest rates and other fees that are added to credit card transactions. It also aims to regulate how businesses operate within the industry, emphasizing customer service standards and consumer protection.

                  It also helps prevent fraudulent transactions from taking place using a credit card. This can be done by establishing a nationwide database containing all transactions made with a credit card.

                  Consumer Act of the Philippines (RA 7394)

                  The Philippine government approved RA 7394 to protect consumers from unfair business practices. It establishes rules for businesses that sell or market their products or services to consumers. It also protects people who buy items online.

                  The law covers more than just what you can buy online; it also covers how you can buy things from stores and other businesses. It covers everything from what you can expect from a business to what information they have to give you about their products or services, and how much time you have before deciding whether or not to purchase something from them.

                  The real cost of a PNB credit card loan

                  PNB credit card loans can be a great way to get the money you need, but they're not always the best option.

                  The problem is that credit card loans are expensive and only work if you have a good credit limit. If your credit limit isn't that high, you might not be able to get approved for a loan with your credit card. And even if you get approved, your loan's interest rate will be much higher than it would be if you went through a bank or other financial institution instead.

                  In addition to all that, other costs associated with credit card loans can add up quickly. For example, interest rates for credit cards tend to vary from one lender to another, so you could end up paying more than what's listed on your statement if you choose the wrong one. Plus, there are fees associated with everything from late payments to annual fees.

                  Before you apply for a credit loan, consider these points.

                  • It is important to decide what kind of loan you need and your repayment capacity.

                  • It is important to determine what your credit limit is and whether it needs to be improved.

                  • It is important to learn about the different types of loans available and which one best fits your needs.

                  • It is important to understand the terms and conditions of the loan you are applying for, especially if it is a more expensive one or if other factors could affect your ability to pay it back on time.

                  • It is important to understand any fees associated with getting this kind of loan and any penalties or extra costs that could affect your ability to pay them back on time.

                  Conclusion

                  The PNB credit card is a great option for anyone who wants to earn rewards and build their credit score. It's designed to help build your credit by encouraging you to make regular payments on time, and improving your credit score. Although it has several drawbacks, it enables you to get started on the path to financial freedom.