PNB Essentials Mastercard
| Minimum Annual Income P120,000 (P10,000 Monthly) | Interest Rate 2% | Annual Fee P1,200 |
Product Summary
PNB Essentials Mastercard
With the PNB Essentials Mastercard, you earn rewards points which you can exchange for miles or cash credits. Shop anywhere Mastercard is accepted and get billed in Philippine Peso. And swipe knowing that your card is secure with Card Protect!
- 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
| Existing Credit Card | Not Required |
| Landline number | Not Required |
| Age | 21 to 65 years old |
| Minimum Annual Income | P120,000 |
Regular Employee
| Proof of income | 1 |
| Government-issued ID | 1 |
| Signed Certificate of Employment | 1 |
| Annual Fee | P1,200 / year |
| Annual Fee Waiver | Yes |
| Monthly Effective Interest Rate | 2% |
| Cash Advance Fee | 5% |
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FAQ
You can earn 1 rewards point with every ₱70 you spend with your PNB Essentials Mastercard. Cash Credits and Mabuhay Miles are redeemable in blocks of 500 points and 2,000 points respectively.
With your PNB Essentials Mastercard, you can apply for up to nine (9) supplementary cards. All cards will also enjoy waived annual fees for life.
The fee is ₱200 for cash advance transactions in Philippine Peso and $4 for cash advance transactions in US Dollar. The cash advance amount is up to 30% of your credit limit.
Rewards points earned by your PNB Essentials Mastercard have no expiry provided your account is in good standing. Rewards points for accounts that are suspended or are past due for more than six (6) months will be forfeited automatically.
You can call the PNB Cards 24/7 customer service hotline at (02) 8818-9818 or email to pnbcreditcards@pnb.com.ph. You may also fill out the Rewards Redemption Form and snail mail it to 8F Cards Banking Solutions Group, PNB Financial Center, President Diosdado Macapagal Blvd,. Pasay City, Metro Manila 1300.
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