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PNB Essentials Mastercard®
Credit cards

PNB Essentials Mastercard®

Updated: 18.10.2022

About credit card

PNB Essentials Mastercard from the Philippine national bank offers you free travel insurance and reward points for the amount you spend. You can use the card for dining and shopping and enjoy flexible rewards points for cash and Mabuhay miles. In addition, PNB Essentials Mastercard is contactless payment-enabled, with a free annual fee for life for all supplementary credit cards.

Features

You can use your PNB Essentials reliable card to but goods, access credit, and monitor your account as highlighted in the following key features.

  • Rewards. Every ₱70 you spend earns you a reward point. You can redeem reward points for cash credits and Mabuhay miles.
  • Services. You can access your electronic statement of account, eSOA through PNB Internet banking, pay your credit card bill, monitor your transactions, and access a 30% cash advance through BancNet and ATMs nationwide. This helps you to manage your credit card transactions.
  • Card protect. This card has a ₱30,000 free purchase protection insurance for your goods for 90 days. Plus, when you charge your trip by land, air, or water using the essentials Mastercard, you get a ₱1,000,000 travel insurance cover and ₱250,000 insurance to cover for accidental damage on purchased items or lost luggage for only ₱120 annually.
  • Installment programs and balance transfer. You can transfer your credit card balances to a PNB credit card and repay at low interest. Moreover, you can convert your straight payments into installments and enjoy low-interest purchases. When you purchase products from PNB affiliate merchants, you enjoy zero % affordable payment plan (ZAPP).

Pros and cons

There are advantages and disadvantages of Essentials Mastercard which you should consider before applying for one.

Pros

  • You earn rewards points and Mabuhay miles for cash credits anytime for all purchases.
  • You enjoy credit card protection against fraudulent transactions and unauthorized charges so you can spend your money worry-free.
  • You get to pay your bills in pesos, even for transactions abroad, and you can redeem rewards points for purchases.
  • You can transfer your money to other credit card balances and repay at low interest and preferred payment terms.
  • You get comprehensive insurance for accidents and other travel-related concerns such as flight delays.
  • You enjoy free annual fee for supplementary credit cards and less fees and charges on transactions and payments after the due date.
  • You can access up to 30% cash advance amount of your credit limit using Bancnet online.
  • You enjoy fraud transaction insurance to secure your credit card balance against fraudsters.
  • You enjoy low ₱120,000 annual income requirement.

Cons

  • There are many requirements for foreign nationals to apply for this credit card.
  • There is a low amount of cash advance loans accessible through the digital app (30% of credit limit).

How to apply for PNB Essentials Mastercard®?

Applying for a PNB credit card is a straightforward process. You can apply online on the bank's website, use the mobile application, or fill out an application form at your nearest PNB branch.

You can apply online via the bank's website by following these steps:

  • Go to the bank's website and click on Apply for a credit card button.
  • Select PNB Essentials Mastercard from the list of different credit cards and then click on Apply now.
  • If you are an existing member, you will need to login to your account and proceed with the card application once you confirm that you are eligible to apply for the PNB Essentials credit card.
  • If you are a new member, you will be required to register first before you can apply for a credit card. After clicking Apply now, enter your personal details, such as name, date of birth, physical address, identification details, proof of income, and other details during your application.
  • Wait for approval of your registration.

Once your registration is approved, proceed with your credit card application by filling out the credit card application form online. Submit your application and wait for an approval.

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