PNB Essentials Mastercard

Updated: Aug 18, 2026
PNB Essentials Mastercard
Annual Fee
₱1,200 per year
Annual Fee
₱1,200 per year
Min. Annual Income
₱120,000

Highlights

Moneymax's Take

Never pay for annual fees
Earn rewards points and use to redeem Mabuhay Miles or Cash Credits
Enjoy global acceptance in-store and online

Things to Consider

Bonus air miles
Free reward points
Installment

Benefits

Airmiles - Local Spend
1 Mabuhay Mile per ₱70

Rewards - Base Rate
1 rewards point per ₱70

Fees & Charges

Annual Fee
₱ 1,200 per year
Cash Advance Fee
5 %

Monthly Effective Interest Rate
2 %

Eligibility

Min. Annual Income
₱ 120,000
Minimum Age
21 years old

Regular Employee

  • Proof of income
  • Government-issued ID
  • Signed Certificate of Employment

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Promo Code
Annual Fee
₱3000 per year
₱1000 per year
₱3000 per year
Cashback Local
Airmiles Base Rate

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