pnb visa gold

PNB Visa Gold

Minimum Annual Income


(P50,000 Monthly)

Interest Rate


Annual Fee


Product Summary

pnb visa gold

PNB Visa Gold

Enjoy low annual membership fees with the PNB Visa Gold. Get free travel insurance coverage of up to ₱1 million when you pay for your travel expenses with your PNB credit card. And for a minimal amount per year, your card can be protected against fraudulent transactions. You also earn a 1% rebate on revolved interest.
  • Pay low annual fees
  • Travel safe with a free travel insurance coverage of up to ₱1 million
  • Free Purchase Protection Insurance coverage of up to to ₱ 250,000
  • Enjoy 1% rebate on revolved interest
  • Get Fraud Transaction Insurance for only ₱120 per year
  • Ideal for: people who like a reliable, easy to manage credit card
Existing Credit CardRequired
Landline numberRequired
Age21 to 65 years old
Minimum Annual IncomeP600,000
Regular Employee
Proof of income1
Government-issued ID1
Active landline / mobile phone number1
Signed Certificate of Employment1
Annual FeeP600 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate2%
Cash Advance Fee5%

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To qualify for the PNB Visa Gold credit card, you should be between 21 to 65 years old with an annual income of at least ₱600,000.

You can activate your PNB Visa Gold through text or call. Text PNB ACTIVATE followed by your 16-digit credit card number and then send it to 22566808. You can also call the PNB Cards 24-hour customer service line at (02) 8818-9818.

Pay online via PNB Internet Banking or the PNB Mobile Banking App. Payments can also be made over the counter at PNB branches or at PNB ATMs. Other payment options include Bancnet Online, Bancnet ATMs, and mobile banking of participating Bancnet banks, just to name a few.

Yes! You can avail of PNB’s low interest rates so you can pay off your credit card balance more conveniently. Just accomplish the PNB Balance Transfer Request Form and email it to

Yes, avail of the 0% interest installment plan when you shop at PNB partner merchants. Choose payment terms from 3 months up to 24 months.


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