pnb zelo mastercard

PNB Ze-Lo Mastercard

Minimum Annual Income


(P10,000 Monthly)

Interest Rate


Annual Fee


Product Summary

pnb zelo mastercard

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 CardRequired
Landline numberRequired
Age21 to 65 years old
Minimum Annual IncomeP120,000
Regular Employee
Proof of income1
Government-issued ID1
Active landline / mobile phone number1
Signed Certificate of Employment1
Annual FeeFree
Annual Fee WaiverYes
Monthly Effective Interest Rate2%
Cash Advance Fee5%

Is this the right product for you?

Checkout the other credit card listings


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.


Stay with us

Subscribe to us and get the latest news