PNBUpdated Oct 19, 2026
PNB Cashback Titanium Mastercard
Free Travel Insurance up to ₱3 million
Annual fee₱2,500/year
NetworkMastercard
Minimum income₱120,000/year
Best forCashback
Everything important, in one place.
Overview
- Provider
- PNB
- Best for
- Cashback
Features
- Free Travel Insurance up to ₱3 million
- 8% Cashback on wellness – January to March
- 8% Cashback on leisure – April to June
- 8% Cashback on home care – July to September
- 8% Cashback on retail – October to December
- 3% Cashback on dining and online – year-round
- 0.2% Cashback on all other purchases – year-round
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
Card features
- Dining
- Family
- Health
- Shopping
Fees
- Annual fee
- ₱2,500/year
- 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
- Cashback
- Network
- Mastercard
Cashback
- Maximum Cashback of up to ₱15,000/year