PNB Ze-Lo Mastercard
| Minimum Annual Income P120,000 (P10,000 Monthly) | Interest Rate 2% | Annual Fee Free |
Product Summary
PNB Ze-Lo Mastercard
Never pay annual fees when you get the PNB Ze-Lo Mastercard. Swipe anywhere Mastercard is accepted and still pay in Philippine Peso. What’s more, you can enjoy really low finance charges at 1.88%. Shop for big-ticket items and pay in affordable monthly payments at 0%.
- Zero annual fees for life on principal and supplementary cards
- No late payment or overlimit fees
- Finance charge for as low as 1.88%
- Swipe your card abroad and pay in Philippine Peso
- Use it anywhere in the world where Mastercard is accepted
- Ideal for: frequent and practical credit card users
| Existing Credit Card | Required |
| Landline number | Required |
| Age | 21 to 65 years old |
| Minimum Annual Income | P120,000 |
Regular Employee
| Proof of income | 1 |
| Government-issued ID | 1 |
| Active landline / mobile phone number | 1 |
| Signed Certificate of Employment | 1 |
| Annual Fee | Free |
| Annual Fee Waiver | Yes |
| Monthly Effective Interest Rate | 2% |
| Cash Advance Fee | 5% |
Is this the right product for you?
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FAQ
You don’t need to apply or meet any spending requirements to avail of the zero annual fee. When you’re approved for a PNB Ze-Lo Mastercard, you automatically qualify for it.
Log in to your PNB Mobile Banking app and click on the three dots on the upper right corner. Choose ‘Enroll Credit Card’ then key in the required information. Enter the One-Time Pin, then click OK or Skip when prompted to update your mobile number.
You can pay online with the PNB Mobile Banking App or through PNB Internet Banking. You can pay at any PNB branches and ATMs, too. There’s also an option to enroll in Automatic Debit Arrangement if you have a savings or checking account in PNB.
Principal credit cardholders can apply for up to nine supplementary cards. All supplementary cards will also enjoy zero annual fees for life.
There won’t be any fees imposed when you can’t make the payment on your due date or for paying below your minimum amount due. However, you will still incur finance charges and other appropriate charges.
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