PNBUpdated Sep 29, 2026
⚯ PNB-Alumni Association of Xavier School Platinum Mastercard
No Annual Fee For Life
Annual feeNAFFL
NetworkMastercard
Minimum income₱120,000/year
Best forMastercard
Everything important, in one place.
Overview
- Provider
- PNB
- Best for
- Mastercard
Features
- No Annual Fee For Life
- Free Travel Insurance Up to ₱3M coverage. Covers delays, lost luggage, and more
- Free Purchase Protection Up to ₱250K/year coverage for accidental damage or theft within 90 days of purchase
- Fraud Insurance for just ₱120/year. Covers lost, stolen, or fraud-used cards from enrollment date
- Dual currency billing
Lock Card Feature
- Yes, via PNB Digital App
Disclaimer
All trademarks are the property of their respective banks. Information is sourced from each bank’s official website and was last updated in July 2025
Fees
- Annual fee
- NAFFL
- Monthly interest
- 3%
- Foreign transaction fee
- 2.50%
Note: Forex fee applies to the converted amount based on the prevailing rate of your card network and PNB at posting time
- Cross-border fee
- N/A
Note: Cross-border fees apply for purchases from merchants outside the Philippines, even if charged in Philippine Peso (₱)
Multiple Payment Fee
- ₱40 fee for more than 2 PNB credit card payments via non-PNB channels
Eligibility
- Minimum income
- ₱120,000/year
Rewards and cashback
- Card purpose
- Mastercard
- Earning rate
- 1 reward point for every ₱70 spend (4 rewards point for ₱1 Cash Credit)
- ₱70 = 1 rewards point = 1 Mabuhay Mile
- Network
- Mastercard