PNBUpdated Sep 29, 2026
PNB-The Travel Club Platinum Mastercard
No Annual Fee For Life (NAFFL)
Annual feeNAFFL
NetworkMastercard
Minimum income₱120,000/year
Best forRewards
Everything important, in one place.
Overview
- Provider
- PNB
- Best for
- Rewards
Features
- No Annual Fee For Life (NAFFL)
- Free Travel Insurance up to ₱3 million
- 15% Discount on regular-priced The Travel Club brands during your birthday month
- 1% Cashback on The Travel Club installment transactions
- ₱500 Welcome Gift discount on select regular-priced items at The Travel Club
- 5% discount at all The Travel Club stores – excludes consigned items
- Waived repair service fee even beyond warranty period – parts not included
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
- Cashback
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
- Rewards
- Earning rate
- 1 Reward Point for every ₱40 spend
- 1 Mabuhay Mile for every ₱40 spend
- Network
- Mastercard
Travel perks
- Travel benefit
- FREE Travel Insurance