PNBUpdated Sep 7, 2026
PNB Essentials Mastercard
Free Travel Insurance up to ₱1 million
Annual fee₱1,200/year
NetworkMastercard
Minimum income₱120,000/year
Best forRewards
Everything important, in one place.
Overview
- Provider
- PNB
- Best for
- Free Travel Insurance up to ₱1 million
Fees
- Annual fee
- ₱1,200/year
- Monthly interest
- 3%
- Foreign transaction fee
- 2.50%
- Cross-border fee
- N/A
Eligibility
- Minimum income
- ₱120,000/year
Rewards and cashback
- Card purpose
- Rewards
- Earning rate
- 1 Reward Point for every ₱70 spend
- Network
- Mastercard
Travel perks
- Travel benefit
- FREE Travel Insurance