Credit Cards by PNB

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:

• 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!

• 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.

• 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.

• 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.

• 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:

  • Welcome gift of 2,000 Mabuhay Miles

  • Free 10,000 Mabuhay Miles for transactions worth ₱100,000 at Philippine Airlines within 1 year of card issuance

  • Free travel insurance up to ₱3 million

  • Free purchase protection insurance up to ₱250,000

  • Priority Check-in at PAL Business Class Counters in NAIA Terminal 2

  • Exclusive 5% discount on selected international flights with Philippine Airlines

  • Exclusive access to discounts and deals from UnionPay TravelMate Asia partner merchants

  • Trouble-free transactions in China for cards like PNB Diamond UnionPay

  • Travel and medical concierge services through World Assist

  • Worldwide acceptance in over 200 countries

Both Filipinos and foreigners residing in the Philippines can apply for any PNB credit card as long as they fit the following criteria:

• Must be at least 21 to 65 years old

• Must be a Filipino citizen and Philippine resident or a foreigner with local residence

• Must be employed for at least 1 year or self-employed profitably for 2 years

• Must have a gross annual income of at least ₱120,000

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:

• 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)

• For non-carded or non-depositor: proof of billing

• Any of the following:

  • Latest ITR (Form 2316 or Form 1701)

  • 3 month latest payslip 

  • Certificate of Employment stating date hired, position, and gross income

     

PNB Credit Card Requirements for Self-Employed

• 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)

• Latest ITR (Form 2316 or Form 1701)

• Latest Audited Financial Statement (AFS) 

• For non-carded or non-depositor: proof of billing

• 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:

• Passport

• Alien Certificate of Residence (ACR)

• Work permit issued by DOLE if employed in the Philippines

• For non-carded or non-depositor: proof of billing

• Any of the following IDs:

  • SSS

  • Driver’s License

  • Company ID

  • National ID

  • Internal Revenue Service (IRS) ID)

Option B:

• Passport

• Unexpired Philippine Retirement Authority ID (PRA) or Special Resident Retirement Visa (SRRV)

• For non-carded or non-depositor: proof of billing

• Any of the following:

  • Bureau of Immigration Approved Order

  • Certificate of Deposit issued by the Bank where the PRA/Visa is deposited