Annual fee₱3,000/year
NetworkUnionPay
Minimum income₱120,000/year
Best forRewards
Everything important, in one place.
Overview
- Provider
- PNB
- Best for
- Rewards
Features
- Free Travel Insurance up to ₱10 million
- Earn Rewards Points for Cash Credits and Mabuhay Miles
- No Annual Fee For Life (NAFFL) for all Supplementary Cardholders
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
- ₱3,000/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
- Rewards
- Earning rate
- 1 Reward Point for every ₱70 spend
- 4 Rewards Points = ₱1 Cash Credit
- 1 Mabuhay Mile for every ₱70 spend
- Network
- UnionPay
Travel perks
- Travel benefit
- FREE Travel Insurance