Annual feeNAFFL
NetworkMastercard
Minimum income₱120,000/year
Best forInstallment
Everything important, in one place.
Overview
- Provider
- PNB
- Best for
- Installment
Features
- No Annual Fee For Life (NAFFL)
- No Late Payment Fees
- No Over-limit Fees
- Lower finance charge of 2.5%
- Lower minimum amount due
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
- Low Interest
Fees
- Annual fee
- NAFFL
- Monthly interest
- 2.5%
- 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
- Installment
- Earning rate
- N/A
- Network
- Mastercard