When it comes to banking, no one can question the reputation of the Philippine National Bank or PNB. After all, it’s the country’s first universal bank.[1] Its trustworthiness and credibility are substantiated by its 105 years of existence. A bank wouldn’t last this long in the business if it didn’t have high-quality and reliable services.
PNB is not just known for its commercial and personal banking capabilities. It also offers a robust range of credit cards that consumers and corporate clients can use for their spending activities.
The cards also have a slew of distinct features. One is Transaction Conversion, which converts straight payments into low-interest installments. Another is the Zero % Affordable Payment Plan (ZAPP), which provides cardholders with 0% installment plans of up to 24 months if they shop at PNB-accredited merchants.
If you’re shopping for a new card, it’s time to consider what PNB has to offer. Here’s your complete guide to PNB credit card application.
PNB Credit Card Application Steps
Ready to be a PNB credit cardholder? Here are the things you need to do to apply for a PNB credit card.
1. Check if You’re Qualified
First, see if you’re actually eligible to apply for a PNB credit card. Here are the general requirements that every applicant must fulfill:
- Must be a Filipino citizen and Philippine resident21 to 65 years old
- Should be a regular employee for at least one (1) year
- If self-employed, must have a profitable business for at least two (2) years
- Must have a gross annual income of at least PHP 120,000
2. Choose the PNB Credit Card to Apply For
Once you’ve confirmed that you’re eligible to apply, check each of the PNB credit cards below to find the one that suits your repayment capacity and lifestyle.
PNB Essentials Mastercard
Features and benefits:
- Earns 1 point for every PHP 70 purchase
- Rewards can be used to redeem Cash Credit or Mabuhay Miles
- Accepted globally, both in-store and online
- Ideal for cardholders who want a straightforward, no-frills, everyday card
Fees and charges:
- Minimum monthly income requirement: PHP 10,000
- Interest rate: 2%
- Annual fee: 1,200
- Late payment fee: 7%
PNB Diamond UnionPay
Features and benefits:
- Earns 1 rewards point for every PHP 70 purchase
- No annual fees for life for supplementary cards
- Offers exclusive discounts and privileges from shops accredited by UnionPay and TravelMate Asia
- Ideal for cardholders who frequently travel in Asian countries
Fees and charges:
- Minimum monthly income requirement: PHP 10,000
- Interest rate: 2%
- Annual fee: PHP 3,000
- Late payment fee: 7%
PNB Mabuhay Miles Platinum Mastercard
Features and benefits:
- Earns 1 rewards point for every PHP 60 purchase
- Converts 1 rewards point to 1 Mabuhay Mile
- Provides 2,000 Mabuhay Miles as a welcome gift
- Provides 5% discount on select PAL international flights all year round
- Ideal for travelers who love rewards
Fees and charges:
- Minimum monthly income requirement: PHP 10,000
- Interest rate: 2%
- Annual fee: PHP 3,000
- Late payment fee: 7%
PNB Mabuhay Miles World Mastercard
Features and benefits:
- Converts 1 rewards point to 1 Mabuhay Mile
- Provides 2,000 Mabuhay Miles as a welcome gift
- Offers World Assist, an exclusive travel and medical concierge service
- Priority check-in at PAL Business Class counters
- Ideal for cardholders who travel in luxury
Fees and charges:
- Minimum monthly income requirement: PHP 200,000
- Interest rate: 2%
- Annual fee: PHP 6,000
- Late payment fee: 7%
PNB-PAL Mabuhay Miles NOW Mastercard
Features and benefits:
- No annual fee for the first three years
- Offers free travel insurance with coverage of up to PHP 1 million
- Gives 1,000 Mabuhay Miles as a welcome gift
- Provides 5% discount on select Philippine Airlines flights
- Ideal for cardholders who are traveling on a budget
Fees and charges:
- Minimum monthly income requirement: PHP 10,000
- Interest rate: 2%
- Annual fee: PHP 1,000
- Late payment Fee: 7%
PNB Platinum Mastercard
Features and benefits:
- Earns 1 rewards point for every PHP 50 purchase
- Offers free travel insurance with coverage of up to PHP 3 million
- Has flexible payments that allow you to pay PHP 500 or 5% of your credit card bill
- Provides billing options in two currencies: PHP and USD
- Ideal for cardholders who love hunting rewards
Fees and charges:
- Minimum monthly income requirement: PHP 50,000
- Interest rate: 2%
- Annual fee: PHP 3,000
- Late payment fee: 7%
PNB Visa Gold
Features and benefits:
- Low annual fees
- Earns 1 rewards point for every PHP 1 purchase
- Offers free travel insurance with coverage of up to PHP 1 million
- Provides 1% rebate on revolved interest
- Ideal for cardholders who love rewards and want to maximize their cards
Fees and charges:
- Minimum monthly income requirement: PHP 50,000
- Interest rate: 2%
- Annual fee: PHP 600
- Late payment fee: 7%
PNB Visa Classic
Features and benefits:
- Low annual fees
- Provides 1% rebate on revolved interest
- Globally accepted
- Ideal for first-time cardholders who want to save and earn rebates
Fees and charges:
- Minimum monthly income requirement: PHP 10,000
- Interest rate: 2%
- Annual fee: PHP 300
- Late payment fee: 7%
PNB Ze-Lo Mastercard
Features and benefits:
- Free annual fee for life
- No late payment and overlimit fees
- Globally accepted
- Ideal for first-time cardholders or those who just need to have a card for everyday expenses
Fees and charges:
- Minimum monthly income requirement: PHP 10,000
- Interest rate: 2%
- Annual fee: None
- Late payment fee: None
3. Complete All the PNB Credit Card Requirements
Found the perfect PNB credit card? Gather all the documentary requirements to kickstart the actual application process. Surprisingly, the requirements are easy to fulfill. Here are what you need to collate:
Documentary Requirements for Filipino Applicants:
- Duly accomplished application form[2]
- Government-issued ID with your picture (e.g. passport, driver’s license, TIN, SSS ID, UMID card, among others)
- In absence of a government-issued ID, provide a company ID issued by organizations that are registered with or supervised by these government agencies: SEC, IC, and BSP.
- Proof of employment
- Employed applicants: Certificate of Employment and gross income statement (or latest income tax return or payslips for the last 3 months)
- Self-employed applicants: Latest audited financial statements or latest income tax return or copy of registration papers with SEC or DTI
- For non-carded and non-depositors, provide proof of billing (e.g. utility bills or credit card statement)
Read more: Say Goodbye to Late Payments―Choose from These Credit Card Payment Methods
Documentary Requirements for Foreign National Applicants:
- Passport
- Alien Certificate of Residence (ACR)
- For non-carded and non-depositors, provide proof of billing (e.g. utility bills or credit card statement)
- Any of the following:
- National ID
- Social Security Number or SSN ID
- Internal Revenue Service or IRS ID
- DOLE-issued work permit if working in the Philippines
- Driver’s License
- Company ID issued by organizations that are registered with or supervised by these government agencies: SEC, IC, and BSP.
Nevertheless, foreign applicants may also submit the following in absence of some important documents above:
- Special Resident Retiree’s Visa (SRRV)
- Unexpired Philippine Retirement Authority ID (PRA)
- Certificate of Deposit issued by the bank where you’ve deposited the PRA or Visa
- Bureau of Immigration Approved Order
4. File Your PNB Credit Card Application
Put the copy of all the documentary requirements inside an envelope or folder. Don’t forget to bring the original copy of the documents. Then, go to your nearest PNB branch to submit them.
You may also file your PNB credit card application online. Just visit the credit card application portal,[3] fill out the forms, and follow the prompts and instructions.
5. Check Your PNB Credit Card Application Status
If you wish to know the status of your credit card application, you can reach the bank through the following contact details:
- PNB credit card hotline (24/7 service): (+632) 8818-9818
- PNB email address: pnbcreditcards@pnb.com.ph
6. Activate Your PNB Credit Card
You can only use your credit card after you activate it. Here are two ways to activate your PNB credit card.
- Text PNB<space>ACTIVATE<space>16-digit credit card number and send to 22566808.
- Call PNB via its 24/7 hotline at (+632) 8818-9818 or the domestic toll-free hotline at 1800-10-818-9818.
PNB Credit Card FAQs
In this section, we’ll answer some PNB credit card-related questions, from bills payment to updating your card details.
1. How can I pay my credit card bills?
PNB Credit Card Payment Channels
PNB actually has multiple payment facilities where you can settle your credit card bills. Here are some of them:
- Branches and ATMs of PNB nationwide
- PNB online banking and mobile app
- Automatic debit arrangement via your PNB savings or checking account
- Remittance centers
- Overseas branches
Other Payment Facilities
- SM and Savemore payment centers nationwide
- Participating BancNet ATMs
- Participating mobile payment apps (e.g. GCash)
- BancNet online
2. How many PNB supplementary credit cards can I apply for?
Every principal credit cardholder can have up to nine supplementary cards. Keep in mind that all supplementary cards don’t have an annual fee for life.
To apply for a supplementary card, one must go to any PNB branch. The bank reminds everyone that online application for supplementary cards is not available as of the moment.
3. What are my card’s other fees and charges?
Other than the annual fees, interest, and late payments, cardholders will have to cover to following:
- Account maintenance fee: PHP 200 or USD 5 or the amount equivalent to the credit card balance, whichever is lower
- Advance card renewal request fee: PHP 750
- Cash advance fee: PHP 200 or USD 5
- Overlimit fee: PHP 300 or USD 10
- Refund fee: PHP 300 or USD 10
You can find the complete list of PNB credit card fees on the website.[6]
4. I want to update my credit card information. What should I do?
If you need to update some of your credit card details, you’ll need to call the bank’s 24/7 hotline at (+632) 8818-9818. Alternatively, you may fill out a Cardholder Request Form and send it via email to pnbcreditcards@pnb.com.ph.
Final Thoughts
PNB offers some of the most enticing credit card packages in the market today, especially for those who love to travel. Nevertheless, first-time credit card users can benefit from the bank’s cards that don’t have an annual fee and don’t require a large monthly income.
If you want to fast-track your PNB credit card application, feel free to use the Moneymax credit card comparison platform to compare your options and find the card that’s right for you.
Sources:
- [1] About PNB
- [2] Credit Card Application Form
- [3] PNB Credit Card Online Application
- [4] and [6] Credit Card Fees
- [5] PNB Cardholder Request Form
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