PNB-The Travel Club Platinum Mastercard: fees, interest and requirements
The PNB-The Travel Club Platinum Mastercard has no annual fee and charges 3% a month on unpaid balances.
Verdict: Worth it if most of your spending falls in its cash back categories; with no annual fee it costs nothing to hold when you pay in full.
From PNB's card page, dated June 2026. 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 and there is no annual fee to add, 2nd lowest of 127 cards open to the public (tied with 12).
PNB's closest card is the PNB Cart Mastercard. Against it, this card 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-The Travel Club Platinum Mastercard gives you
- 1 rewards point for every P40 spend at The Travel Club and P70 spend elsewhere. Redeem for Mabuhay Miles (1 point = 1 mile, blocks of 2,000) or Cash Credits (4 rewards points = P1 Cash Credit, blocks of 500). PNB card page
- Welcome Gift of P500 discount on select regular-priced items at The Travel Club same page
- 10% discount at all The Travel Club stores (excluding consigned items) same page
- 20% discount on regular-priced The Travel Club brands on your birthday month same page
- 1% rebate on The Travel Club installment transactions same page
- Waived repair service fee even beyond warranty period (not including spare parts) same page
- Free Travel Insurance: Up to P3M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB-The Travel Club Platinum Mastercard. 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
- Experience 0% installment up to 24 months when you shop from select PNB-affiliated partner merchants. same page
Who should get the PNB-The Travel Club Platinum Mastercard
| If | Then |
|---|---|
| You pay in full every month and want a cash back card | No cash back card from another bank costs less a year for the same or a lower income. |
PNB-The Travel Club Platinum Mastercard downsides, and what a late payment costs
- 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-The Travel Club Platinum Mastercard annual fee, interest and charges
| Charge | PNB-The Travel Club Platinum Mastercard | When, and the rule |
|---|---|---|
| Annual fee | No annual fee Supplementary: free | Fee table: Waived Annual Fee for LifePNB card page |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). PNB fee table, June 2026 |
| 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 card page, 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.
Apply for the PNB-The Travel Club Platinum Mastercard on PNB's site
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-The Travel Club Platinum Mastercard PNB | No annual fee | 3% | ₱1,212 | - |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| Toyota Platinum Mastercard Metrobank | ₱2,800 a year first year free | 3% | ₱4,012 | ₱350,000 a year |
| Security Bank Wave Mastercard Security Bank | No annual fee | 3% | ₱1,212 | ₱480,000 a year |