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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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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