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PNB Ze-Lo Mastercard card design
PNBUpdated Sep 7, 2026

PNB Ze-Lo Mastercard

No Annual Fee For Life (NAFFL)

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Annual feeNAFFL
NetworkMastercard
Minimum income₱120,000/year
Best forInstallment

Everything important, in one place.

Overview

Provider
PNB
Best for
No Annual Fee For Life (NAFFL)

Fees

Annual fee
NAFFL
Monthly interest
2.5%
Foreign transaction fee
2.50%
Cross-border fee
N/A

Eligibility

Minimum income
₱120,000/year

Rewards and cashback

Card purpose
Installment
Earning rate
N/A
Network
Mastercard