PNB Alturas Visa: fees, interest and requirements
The PNB Alturas Visa has an annual fee of ₱1,200 a year, waived in the first year and charges 3% a month on unpaid balances.
Verdict: Worth it if the points you redeem are worth more than ₱1,200 a year. The first year is free.
From PNB Applicable Credit Card Fees and Charges (June 2026 v2). Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add the ₱1,200 annual fee and a year comes to ₱2,412, 18th lowest of 127 cards open to the public (tied with 4).
PNB's closest card is the PNB Essentials Mastercard. Against it, this card runs on Visa, not Mastercard and has different perks.
BSP supervised: Philippine National Bank, universal and commercial bank, BSP institution ID 34, is on the BSP Verifier list dated Sep 28, 2026.
What the PNB Alturas Visa gives you
- PHP 70 = 1 rewards point = 1 Mabuhay Mile (redeemable in blocks of 2,000 points); 4 rewards points = P1 Cash Credit (redeemable in blocks of 500 points) PNB card page
- Free membership to the Alturas (a1) Loyalty Card: Present your PNB-Alturas Visa Card to the a1 Card Desk to get your free a1 Card. same page
- 10% Discount at South Palms Resort Panglao: Use your PNB-Alturas Visa Card at South Palms Resort Panglao to enjoy 10% discount on rooms (based on published rate). same page
- Free Buko Pandan at the Prawn Farm Grill & Seafood: get a free Buko Pandan for a minimum single-receipt purchase of P1,000 using your PNB-Alturas Visa Card. same page
- Free Travel Insurance: Up to P3M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB Alturas Visa. Travel-related concerns such as flight delay and lost luggage are covered. same page
- Free Purchase Protection Insurance: Up to P250k covered annually. Your purchased items are covered against accidental damage and theft within 90 days from date of purchase. same page
- Fraud Transaction Insurance: Up to P250k coverage per year. Be worry-free from unauthorized charges when your card gets lost/stolen, or if your card is used in fraudulent transactions. same page
- Experience 0% installment up to 24 months when you shop from select PNB-affiliated partner merchants. same page
Who should get the PNB Alturas Visa
| If | Then |
|---|---|
| You pay in full every month and want a rewards points card | No rewards points card from another bank costs less a year for the same or a lower income. |
PNB Alturas Visa downsides, and what a late payment costs
- The ₱1,200 fee is charged every year after the waiver ends.
- Foreign currency purchases cost 2.5% extra.
If you pay late: PNB charges up to ₱1,000, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
PNB Alturas Visa annual fee, interest and charges
| Charge | PNB Alturas Visa | When, and the rule |
|---|---|---|
| Annual fee | ₱1,200 a year Supplementary: free | Free for the first year. Supplementary cards have no annual fee for life. Fee table: PHP 1,200 for Essentials Mastercard, Alturas Visa.PNB fee table, June 2026 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| Cash advance | ₱200 a withdrawal | The BSP maximum (Circ. 1165). same table |
| Late payment | ₱1,000 | same table |
| Foreign transactions | 2.5% | same table |
Figures from PNB Applicable Credit Card Fees and Charges (June 2026 v2). BSP ceilings: BSP Circular No. 1165, s.2023. How PNB words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: PNB billing rules.
Requirements and how to apply
Apply with the button below. Channels, documents, status and hotline: PNB contact and requirements.
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| PNB Alturas Visa PNB | ₱1,200 a year first year free | 3% | ₱2,412 | - |
| EastWest Puregold Always Panalo Visa EastWest | ₱1,200 a year waived above a spend | 3% | ₱2,412 | ₱480,000 a year |
| UnionBank Classic Visa UnionBank | ₱1,500 a year | 3% | ₱2,712 | ₱360,000 a year |
| UnionBank PlayEveryday Credit Card UnionBank | ₱1,500 a year | 3% | ₱2,712 | ₱360,000 a year |