PNB credit cards
PNB offers 15 consumer credit cards, with annual fees from ₱0 to ₱6,000, interest of 2.5% to 3% a month.
For card concerns, call PNB at (+632) 8818 9818 or 1800-10-818-9-818 (24 hours. The 1800 number is toll-free).
The cheapest PNB card to hold and carry a ₱20,000 balance on for 3 months is the PNB Ze-Lo Mastercard at ₱1,008, 1st of 127 cards open to the public; the lowest income asked is ₱120,000 a year, on the PNB Ze-Lo Mastercard.
Fees and rates as printed on PNB's fee table (dated June 2026); contact and application details from PNB's own site; the interest ceiling is set by the Bangko Sentral ng Pilipinas in BSP Circular No. 1165, s.2023.
BSP supervised: Philippine National Bank, universal and commercial bank, BSP institution ID 34, is on the BSP Verifier list dated Sep 28, 2026.
PNB credit card hotline and customer service
| Card hotline | (+632) 8818 9818 or 1800-10-818-9-818 24 hours. The 1800 number is toll-free.PNB contact page |
|---|---|
| Lost or stolen card | 8818 9818 or 1-800-10-818-9-818 Report a lost or stolen card to the 24-hour hotline right away. Charges made before your report are yours to pay, unless the card has Fraud Transaction Insurance, which covers the 12 hours before you report.PNB contact page |
| Other channel | Email PNBCreditCards@pnb.com.ph bank page |
| Other channel | Visit any PNB branch nationwide bank page |
Call only the numbers printed on PNB's own site.
How to apply for a PNB credit card
Where to apply: Apply online with the Apply Now button on each card page at pnb.com.ph, which opens PNB's online application form; download the credit card application form from pnb.com.ph/cards; apply for supplementary cards at any PNB branch: up to nine, all free for life (not offered on the Cart Mastercard). bank page
PNB credit card requirements
Who can apply
- Filipino citizen
- 21 to 65 years old
- Minimum monthly income of ₱10,000, with income documents
- Foreign nationals can apply with the documents listed for foreign applicants
Requirements as the bank lists them
Documents if you are employed
- One of: last month's payslip, a Certificate of Employment showing gross income, hire date and position, an ITR, or the number of a principal credit card held at least 1 year
- A government photo ID with signature (driver's license, passport, TIN e-card, SSS, UMID, PhilID or ePhilID), or a company ID signed by the company and the employee
- Proof of billing
Requirements as the bank lists them
Documents if you are self-employed or a freelancer
- Latest ITR acknowledged by the BIR or an accredited bank, and latest Audited Financial Statements
- A government photo ID with signature, or a company ID
- Proof of billing
Requirements as the bank lists them
Other applicants
- Foreign nationals, option A: passport and ACR, plus one of national ID, IRS or SSN ID, driver's license, DOLE work permit (required if employed in the Philippines), or a company ID from a BSP, SEC or IC regulated entity; plus proof of billing
- Foreign nationals, option B: passport, unexpired PRA ID or SRRV, plus a Bureau of Immigration approved order or certificate of deposit from the bank holding the PRA or visa deposit; plus proof of billing
- Proof of billing: a utility bill (electricity, phone, water, cable) or a credit card statement
- Applicants with hold-out deposits do not need the documents above
- Incomplete applications are not processed
Requirements as the bank lists them
The income tax return asked of self-employed applicants is the annual BIR Form 1701.
Income: each card has its own floor, from ₱120,000 a year on the PNB Ze-Lo Mastercard. The table below shows every card's.
Which PNB card to pick
| If | Pick | Why | Watch out |
|---|---|---|---|
| You want the lowest cost | PNB Ze-Lo Mastercard | Cheapest PNB card on a ₱20,000 balance paid off in 3 months plus a year of fees: ₱1,008. | Foreign currency purchases cost 2.5% extra. |
| You are applying for your first card | PNB Ze-Lo Mastercard | Lowest stated income requirement at PNB: ₱120,000 a year. | Foreign currency purchases cost 2.5% extra. |
| You never want a yearly fee | PNB Cart Mastercard | No annual fee. | Foreign currency purchases cost 2.5% extra. |
| You want a travel and miles card | PNB-PAL Mabuhay Miles NOW Mastercard | Lowest yearly fee among PNB's travel and miles cards: ₱1,000 a year. | The ₱1,000 fee is charged every year after the waiver ends. |
| You want a cash back card | PNB-The Travel Club Platinum Mastercard | Lowest yearly fee among PNB's cash back cards: No annual fee. | Foreign currency purchases cost 2.5% extra. |
Every PNB card compared
Source: PNB fees and charges and each card's product page. Networks: Mastercard, Visa, UnionPay, JCB.
How PNB bills: minimum due, fees and interest
| Late payment fee | Late Payment Fee: PHP 1,000 or USD 20 or the unpaid minimum amount due, whichever is lower. 14 cards. PNB Applicable Credit Card Fees and Charges (June 2026 v2) |
|---|---|
| Late payment fee | Late Payment Fee: Does not apply to PNB Ze-Lo Mastercard. PNB Ze-Lo Mastercard. PNB Applicable Credit Card Fees and Charges (June 2026 v2) |
| Foreign transactions | Foreign Currency Transactions Service Fee: 2.5% of the converted amount using Mastercard/ Visa/UnionPay's conversion rate of the day. PNB Applicable Credit Card Fees and Charges (June 2026 v2) |
| Annual fee waiver | All PNB cards with an annual fee except the Mabuhay Miles NOW: Free in the first year. bank page |
| Annual fee waiver | PNB-PAL Mabuhay Miles NOW Mastercard: Free for the first 3 years. bank page |
| Annual fee waiver | PNB Ze-Lo Mastercard, PNB Cart Mastercard, other co-branded cards and all supplementary cards: No annual fee for life. bank page |
| Annual fee waiver | Essentials Mastercard, Platinum Mastercard, Diamond UnionPay, JCB Platinum, Alturas Visa and LSGHAA Platinum: Pay the annual fee with points: the ₱1,200 fee for 4,800 points (Essentials, Alturas Visa), the ₱3,000 fee for 12,000 points (Platinum Mastercard, Diamond UnionPay, JCB Platinum, LSGHAA Platinum). bank page |
| Annual fee waiver | PNB JCB Platinum, for new principal cardholders who apply 25 Sept to 31 Dec 2026: Free annual fee for life if you activate within the activation period and reach the minimum spend by 31 January 2027, and keep the account active and current for at least 12 months. bank page |
| Fee table date | June 2026. source |
| BSP ceilings | 36% a year (3% a month) on interest, a 1% a month add-on on instalments, and ₱200 on the cash advance processing fee with no other fee allowed, under BSP Circular No. 1165, s.2023. BSP Circular No. 1165, s.2023 |
To see what a balance costs at PNB's rate, use the credit card interest calculator.
Paying your PNB card, and promos
- PNB ATMs and branches
- PNB Digital App
- Auto-debit from a PNB savings or checking account
- PNB overseas branches and remittance centers
- ATMs of participating BancNet members
- BDO branches
- SM and Savemore payment centers nationwide
- Mobile and internet banking of BancNet members (such as BDO and GCash)
- BancNet Online
- Payments post in 1 to 2 banking days through PNB, 2 to 4 through other channels; checks take 3 more banking days
- Choose "PNB Credit Cards" as the biller when paying online
- A ₱40 fee applies per payment after two bill payments through non-PNB channels in one statement cycle
Promos change every few weeks. See the current ones on PNB's credit card promos page.
PNB credit card questions
What is the PNB credit card hotline?
(+632) 8818 9818 or 1800-10-818-9-818 (24 hours. The 1800 number is toll-free). To report a lost or stolen card: 8818 9818 or 1-800-10-818-9-818. These are the numbers on PNB's own website.
How do I apply for a PNB credit card?
Apply online with the Apply Now button on each card page at pnb.com.ph, which opens PNB's online application form; download the credit card application form from pnb.com.ph/cards; apply for supplementary cards at any PNB branch: up to nine, all free for life (not offered on the Cart Mastercard).
What are the requirements for a PNB credit card?
Filipino citizen; 21 to 65 years old; Minimum monthly income of ₱10,000, with income documents; Foreign nationals can apply with the documents listed for foreign applicants. Employed applicants submit: One of: last month's payslip, a Certificate of Employment showing gross income, hire date and position, an ITR, or the number of a principal credit card held at least 1 year; A government photo ID with signature (driver's license, passport, TIN e-card, SSS, UMID, PhilID or ePhilID), or a company ID signed by the company and the employee; Proof of billing. The lowest income PNB states for a card it offers to the public is ₱120,000 a year, on the PNB Ze-Lo Mastercard.
How much is the PNB credit card annual fee, and can it be waived?
Annual fees run from ₱0 to ₱6,000. 4 cards have no annual fee: PNB Cart Mastercard, PNB Ze-Lo Mastercard, PNB-Alumni Association of Xavier School Platinum Mastercard, PNB-The Travel Club Platinum Mastercard. 11 cards waive the fee in the first year only. All PNB cards with an annual fee except the Mabuhay Miles NOW: Free in the first year. PNB-PAL Mabuhay Miles NOW Mastercard: Free for the first 3 years. PNB Ze-Lo Mastercard, PNB Cart Mastercard, other co-branded cards and all supplementary cards: No annual fee for life. Essentials Mastercard, Platinum Mastercard, Diamond UnionPay, JCB Platinum, Alturas Visa and LSGHAA Platinum: Pay the annual fee with points: the ₱1,200 fee for 4,800 points (Essentials, Alturas Visa), the ₱3,000 fee for 12,000 points (Platinum Mastercard, Diamond UnionPay, JCB Platinum, LSGHAA Platinum). PNB JCB Platinum, for new principal cardholders who apply 25 Sept to 31 Dec 2026: Free annual fee for life if you activate within the activation period and reach the minimum spend by 31 January 2027, and keep the account active and current for at least 12 months.
What is the PNB credit card interest rate?
2.5% to 3% a month on balances left unpaid after the due date; the BSP cap is 3% a month (36% a year).
How do I pay my PNB credit card bill?
PNB ATMs and branches; PNB Digital App; Auto-debit from a PNB savings or checking account; PNB overseas branches and remittance centers; ATMs of participating BancNet members; BDO branches; SM and Savemore payment centers nationwide; Mobile and internet banking of BancNet members (such as BDO and GCash); BancNet Online; Payments post in 1 to 2 banking days through PNB, 2 to 4 through other channels; checks take 3 more banking days; Choose "PNB Credit Cards" as the biller when paying online; A ₱40 fee applies per payment after two bill payments through non-PNB channels in one statement cycle.
What is the best PNB credit card?
On cost, the PNB Ze-Lo Mastercard (₱1,008 on a ₱20,000 balance over 3 months plus a year of fees, 1st of 127 cards open to the public).
Cards and your taxes
Card fees and interest do not lower the tax on a salary: Section 34 of the Tax Code allows no deductions against compensation income. A self-employed cardholder who takes the 40% optional standard deduction gets it in place of itemized expenses, so card charges do not reduce tax there either.