Credit Cards by PNB
Updated: Apr 16, 2026
- Convert your rewards points easily: 1 point = 1 mile.
- Receive 2,000 Mabuhay Miles as a welcome gift.
- Get additional 10,000 Mabuhay Miles for your PAL spending.
- Avail of World Assist, an exclusive travel and medical concierge service.
- Enjoy priority check-in at PAL Business Class counters.
- Ideal for: people who like to travel and enjoy class and luxury.
- Bonus air miles
- Installment
- Exclusive discounts
- High income requirement
- Never pay for annual fees
- Earn rewards points and use to redeem Mabuhay Miles or Cash Credits
- Enjoy global acceptance in-store and online
- Pay in Philippine Peso even for your transactions in other countries
- Enjoy contactless payments and secure transactions with Card Protect
- Ideal for: people who want a reliable, everyday credit card
- Bonus air miles
- Free reward points
- Installment
- Good for beginners
- Earn 1 rewards point for every ₱70 you spend.
- No annual fees for life for your supplementary cards.
- Earn rewards points that you can exchange for Mabuhay Miles and Cash Credits.
- Get exclusive discounts and perks from UnionPay TravelMate Asia partner merchants.
- Shop securely with Card Protect.
- Ideal for: frequent travelers to countries in Asia.
- Bonus air miles
- Free reward points
- Installment
- Exclusive discounts
- Free annual fees for life.
- Earn 1 rewards point for every ₱60 spend.
- Convert 1 rewards points to 1 Mabuhay Mile.
- Get 2,000 Mabuhay Miles as a welcome gift.
- Enjoy 5% discount all year round on select PAL international flights.
- Ideal for: frequent travelers who love rewards.
- Bonus air miles
- Free reward points
- Installment
- High income requirement
- No annual fee for 3 years
- Get free travel insurance with coverage of up to ₱1 million
- Receive 1,000 Mabuhay Miles for free as a welcome gift
- Enjoy 5% discount on select Philippine Airlines flights
- Free Purchase Protection Insurance of up to ₱250,000 for first-time PNB-PAL Mabuhay Miles cardholders
- Ideal for: young professionals who have a passion for travelling and shopping
- Bonus air miles
- Air ticket rebate
- No Annual Fee
- High income requirement
- Earn rewards points for every ₱50 spend.
- Get free travel insurance with coverage of up to ₱3 million.
- Be protected by Fraud Transaction Insurance and Purchase Protection Insurance.
- Enjoy dual billing options in PHP or USD.
- Avail of flexible payments and choose to pay ₱500 or 5% of your credit card bill.
- Ideal for: cardholders who love lifestyle purchases, exclusive perks, and exciting deals.
- Bonus air miles
- Free reward points
- Installment
- High income requirement
- Pay low annual fees
- Travel safe with a free travel insurance coverage of up to ₱1 million
- Free Purchase Protection Insurance coverage of up to to ₱ 250,000
- Enjoy 1% rebate on revolved interest
- Get Fraud Transaction Insurance for only ₱120 per year
- Ideal for: people who like a reliable, easy to manage credit card
- Travel insurance
- Installment
- Exclusive discounts
- No rewards
- Enjoy low annual fees on your PNB Visa Classic
- Receive a 1% rebate on revolved interest
- Shop and swipe with peace of mind with the Card Protect feature
- Get billed in Philippine Peso even for your transactions abroad
- Pay with your PNB Visa Classic online and anywhere in the world
- Ideal for: credit cardholders who like savings and rebates
- Installment
- Good for beginners
- Exclusive discounts
- No rewards
- Zero annual fees for life on principal and supplementary cards
- No late payment or overlimit fees
- Finance charge for as low as 1.88%
- Swipe your card abroad and pay in Philippine Peso
- Use it anywhere in the world where Mastercard is accepted
- Ideal for: frequent and practical credit card users
- No Annual Fee
- Installment
- Good for beginners
- Exclusive discounts
Frequently Asked Questions
Your firsts in life matter, so make your experience convenient and easy with benefits and perks from PNB credit cards. Buying a high-ticket item all on your own? Pay it in installments and enjoy 0% interest. Traveling abroad for the first time? Enjoy travel perks that will make your first international trip memorable enough for you to fly again soon. Here are other benefits to look out for:
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No Annual Fees for Life! - Zero fees mean zero hassle. PNB credit cards will clear your mind off not only one fee, but three! Bid adieu to late payment fees and overlimit fees. Best of all, PNB credit cards have no annual fees for life!
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Earn 1% Rebate on Your Revolved Interest - Want to get a portion of your money back from all that swiping? Get some savings out of your spending when you receive a 1% rebate on your revolved interest every time you use your PNB credit card. All you have to do is pay for your minimum amount due on or before the due date. The revolved interest amount is the finance charge amount. You’ll see this on your next credit card statement, along with the 1% rebate.
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Enjoy 0% Interest Installment Plans - New firsts sometimes mean more spending. Not with PNB credit cards’ 0% interest installment plans! Just shop at affiliated stores and enjoy 0% interest in installments payable in 3 to 36 months.
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Earn Air Miles Faster - You don’t have to wait too long to accomplish your travel bucket list with the generous air miles rewards from PNB credit cards. Earn 1 reward point for every ₱70 spend and for as low as 1 reward point, you’ll already earn 1 air mile from our country's pioneer national flag carrier, Philippine Airlines.
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Enjoy Multiple Travel Benefits - You’ll run out of excuses not to go on vacation with the many travel perks packed in PNB credit cards. Here’s a list of the featured benefits that will make you buy an airline ticket in no time:
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Welcome gift of 2,000 Mabuhay Miles
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Free 10,000 Mabuhay Miles for transactions worth ₱100,000 at Philippine Airlines within 1 year of card issuance
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Free travel insurance up to ₱3 million
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Free purchase protection insurance up to ₱250,000
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Priority Check-in at PAL Business Class Counters in NAIA Terminal 2
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Exclusive 5% discount on selected international flights with Philippine Airlines
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Exclusive access to discounts and deals from UnionPay TravelMate Asia partner merchants
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Trouble-free transactions in China for cards like PNB Diamond UnionPay
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Travel and medical concierge services through World Assist
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Worldwide acceptance in over 200 countries
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Both Filipinos and foreigners residing in the Philippines can apply for any PNB credit card as long as they fit the following criteria:
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Must be at least 21 to 65 years old
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Must be a Filipino citizen and Philippine resident or a foreigner with local residence
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Must be employed for at least 1 year or self-employed profitably for 2 years
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Must have a gross annual income of at least ₱120,000
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You only need a few documents to apply and get approved for a PNB credit card. Documents differ depending on your employment and residence status as seen below:
PNB Credit Card Requirements for Employed:
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1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
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For non-carded or non-depositor: proof of billing
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Any of the following:
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Latest ITR (Form 2316 or Form 1701)
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3 month latest payslip
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Certificate of Employment stating date hired, position, and gross income
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PNB Credit Card Requirements for Self-Employed
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1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
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Latest ITR (Form 2316 or Form 1701)
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Latest Audited Financial Statement (AFS)
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For non-carded or non-depositor: proof of billing
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Optional: Copy of registration papers with DTI or SEC
PNB Credit Card Requirements for Foreigners:
Choose from either Option A or Option B below.
Option A:
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Passport
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Alien Certificate of Residence (ACR)
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Work permit issued by DOLE if employed in the Philippines
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For non-carded or non-depositor: proof of billing
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Any of the following IDs:
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SSS
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Driver’s License
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Company ID
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National ID
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Internal Revenue Service (IRS) ID)
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Option B:
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Passport
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Unexpired Philippine Retirement Authority ID (PRA) or Special Resident Retirement Visa (SRRV)
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For non-carded or non-depositor: proof of billing
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Any of the following:
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Bureau of Immigration Approved Order
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Certificate of Deposit issued by the Bank where the PRA/Visa is deposited
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