pnb essentials mastercard

PNB Essentials Mastercard

Minimum Annual Income


(P10,000 Monthly)

Interest Rate


Annual Fee


Product Summary

pnb essentials mastercard

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 CardNot Required
Landline numberNot Required
Age21 to 65 years old
Minimum Annual IncomeP120,000
Regular Employee
Proof of income1
Government-issued ID1
Signed Certificate of Employment1
Annual FeeP1,200 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate2%
Cash Advance Fee5%

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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 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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