pnb platinum mastercard

PNB Platinum Mastercard

Minimum Annual Income


(P50,000 Monthly)

Interest Rate


Annual Fee


Product Summary

pnb platinum mastercard

PNB Platinum Mastercard

The PNB Platinum Mastercard offers flexible payment and rewards options as you enjoy shopping, dining, and entertainment experiences. Travel with peace of mind with free travel insurance coverage when you pay for your trip with your PNB Platinum card. And with LuXeclusive, you can also buy high-end luxury items at 0% installment with terms of up to 24 months.
  • 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
Existing Credit CardNot Required
Landline numberNot Required
Age21 to 65 years old
Minimum Annual IncomeP600,000
Regular Employee
Proof of income1
Government-issued ID1
Signed Certificate of Employment1
Annual FeeP3,000 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate2%
Cash Advance Fee5%

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Why Choose PNB Platinum Mastercard?

Enjoy platinum features such as no annual fees forever that you can share with your loved ones with the PNB Platinum Mastercard. Find out more in this short review.

Let your loved ones enjoy waived annual fees forever

Share your credit card benefits with your family since the PNB Platinum Mastercard lets you enroll up to nine supplementary cardholders. Responsible for their credit card bills? Don’t worry, you have one less thing to worry about because their annual fees are waived for life.

Redeem reward points for Mabuhay Miles or cash credits

Rewards are more exciting to redeem when they’re top-notch. Redeem Mabuhay Miles and cash credits with the PNB Platinum Mastercard. Here’s how you can earn these rewards:

  • Every ₱70 spend earns you 1 reward point
  • 1 reward point earns you 1 Mabuhay Mile
  • 4 reward points earn you ₱1 cash credit

Enjoy 0% interest installment plans

The PNB Platinum Mastercard zaps the pesky interest away when you avail of their Zero % Affordable Payment Plan (ZAPP). Buy from partner merchants, pay in installments of up to 24 months, and enjoy 0% interest with your monthly payments.

Feel secure with Card Protect

Accidents, scammers, and unforeseen events keep us on our toes every time we use our credit cards. The PNB Platinum Mastercard tackles it all with its Card Protect feature. Card Protect offers insurance aligned with perks such as:

  • Free travel insurance up to ₱3 million when you use your credit card to pay for your selected domestic and international travel tickets (land, air, and sea)
  • Free purchase protection insurance of up to ₱250,000/year
  • Pay only ₱120/year to avail of fraud transaction insurance up to ₱250,000

Is PNB Platinum Mastercard the Right Card for You?

The PNB Platinum Mastercard is ideal for people who like Mabuhay Miles and cash credits as rewards and 0% interest when doing installment payments. But if you’re thinking of other features, here are credit card alternatives:

  • Citi Rewards Card. This credit card also offers cash credits as part of its rewards catalog, including gadgets and other categories. For as low as ₱30 spend, you’ll earn 1 reward point.
  • HSBC Platinum Visa Rebate. If you’re more into rebates, you’ll love this credit card’s multiple rebate features: 5% on travel and shopping (in-store and online); 1% on insurance; and 0.5% on all other transactions.
  • RCBC Flex Gold Visa. This is another credit card that has cash credits and air miles in its rewards catalog. Cash rebates, shopping vouchers, and donations to charitable institutions are also part of its rewards program.


Every ₱50 you charge to your PNB Platinum Mastercard earns you one (1) rewards point or one (1) Mabuhay Mile. To redeem, you need a minimum block of 2,000 rewards points. For your succeeding redemptions, you only need blocks of 100 rewards points.

With the PNB Mastercard inControl, you can manage your credit card spending online by designating credit card limits. You can choose where, when, and how you want your card to be used. Enroll your PNB Platinum Mastercard at

With your PNB Platinum Mastercard, you can get a cash advance of up to 30% of your credit limit. Just proceed to any PNB ATM, Bancnet ATM, or any ATM bearing the Mastercard logo.

Download and fill out the PNB Credit Card Rewards Redemption Form and email it to Alternatively, you can also mail it to: Cards Banking Solutions Group, 8F PNB Financial Center, President Diosdado Macapagal Blvd., Pasay City, Metro Manila 1300.

For all your credit card related inquiries, you may call the 24-hour PNB customer service line at (02) 8818-9818 or call the domestic toll-free number at 1800 10 818 9 818.


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