PNBUpdated Sep 29, 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
- Rewards
Features
- Free Travel Insurance up to ₱1 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
Card features
- Beginner Friendly
Fees
- Annual fee
- ₱1,200/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
- Mastercard
Travel perks
- Travel benefit
- FREE Travel Insurance