For many Overseas Filipino Workers (OFWs), frequent flyers, and even casual vacationers, a reliable travel credit card can unlock smoother, more rewarding journeys. Yet, while many flock to mainstream offerings, PNB (Philippine National Bank) provides an underrated lineup of travel credit cards worth a closer look.
If you haven’t considered a PNB travel credit card before, this guide might just change your mind. Whether you’re after PNB air miles, cashback, or travel perks like lounge access, these cards quietly pack powerful benefits — often at a lower annual fee than flashier competitors.
PNB travel cards aren’t always top-of-mind, but they offer key advantages for global travelers:
|
Benefit |
Why It Matters |
|
PNB Air Miles |
Earn miles on every overseas or local transaction to redeem for future flights. |
|
International Acceptance |
Cards are powered by Visa or Mastercard — accepted globally. |
|
Travel Perks |
Some cards offer free travel insurance or concierge services. |
|
Flexible Rewards |
Earn points and convert them to miles, vouchers, or rebates. |
|
Low Forex Conversion Rates |
Ideal for OFWs sending money home or managing finances abroad. |
Related: Top Credit Cards for OFWs and Frequent Flyers
Here’s a rundown of seven cards built for different traveler types — from practical spenders to luxury-seeking jetsetters.
Best for: Loyal Philippine Airlines flyers
Great for OFWs or frequent PAL passengers who want to earn free flights faster.
Best for: Luxury travelers
This is PNB’s premium travel card for seasoned jetsetters.
Best for: Travelers to China or East Asia
Useful for OFWs or businesses operating in East Asia.
Best for: Flexible travelers who want rewards and insurance
Offers a solid balance between rewards and security.
Best for: Occasional travelers on a budget
Ideal for beginners looking to build credit and earn some perks.
Best for: Zero-interest installment and savings
Great secondary card for booking travel with flexible payments.
Best for: Entry-level international spenders
Simple and straightforward — suitable for first-time cardholders who travel occasionally.
Want to get the most out of your PNB rewards card or PNB miles credit card? Use these tips:
Read More: How to Use Your Credit Card Abroad Without Overspending
You don’t need to be a full-time traveler to qualify. Here are typical requirements:
|
Requirement |
Details |
|
Valid ID |
Government-issued (UMID, passport, driver’s license) |
|
Proof of Income |
Payslip, ITR, or remittance record (for OFWs) |
|
Minimum Monthly Income |
₱15,000 – ₱50,000, depending on the card |
|
Application Form |
Available on the PNB website or at any branch |
Prefer a simpler way to apply?
Apply for a PNB credit card online via Moneymax
|
Feature |
PNB Travel Cards |
Other Banks (e.g., BPI, RCBC) |
|
Miles Conversion |
PAL Mabuhay Miles |
PAL Mabuhay, KrisFlyer, Asia Miles |
|
Annual Fees |
₱300 – ₱6,000 |
₱1,500 – ₱6,000+ |
|
Forex Rates |
Competitive |
Varies |
|
Perks |
Travel insurance, UnionPay benefits |
Airport lounge access, concierge |
|
Best For |
Practical and regional travelers |
Premium frequent flyers |
Yes — especially if you're an OFW, budget-conscious traveler, or someone who prefers Philippine Airlines. While PNB travel cards don’t always make the headlines, they offer hidden value, solid perks, and flexibility that rivals more expensive options.
From waived annual fees to PNB air miles and flexible installment programs, they’re excellent companions for both casual and frequent flyers.
Compare PNB and other travel cards side by side on Moneymax and apply in just a few clicks.
👉 Compare top travel credit cards in the Philippines