PNB Ze-Lo Mastercard

Updated: Aug 18, 2026
PNB Ze-Lo Mastercard
Annual Fee
Free
Min. Annual Income
₱120,000

Highlights

Moneymax's Take

Zero annual fees for life on principal and supplementary cards
No late payment or overlimit fees
Finance charge for as low as 1.88%

Things to Consider

No Annual Fee
Installment
Good for beginners

Fees & Charges

Annual Fee
Free
Cash Advance Fee
5 %

Late Payment Charge
None
Monthly Effective Interest Rate
2 %

Eligibility

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

Regular Employee

  • Proof of income
  • Government-issued ID
  • Active landline / mobile phone number
  • Signed Certificate of Employment

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Promo Code
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Annual Fee
₱600 per year
₱300 per year
₱3000 per year
Cashback Local
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Airmiles Base Rate
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