Min. Monthly Income
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Your Essential Go-To Card
With PNB Essentials Credit Card, you get a flexible, convenient, all-around card that gives you the benefits needed for your everyday spending. Get more value from your daily expenses as you earn 1 Rewards Point for every ₱50 charged to your card. Use these points to redeem Cash Credits and have it credited directly to your account, or exchange your points for Mabuhay Miles. You can also use your card to purchase airline tickets to receive free travel insurance coverage worth up to ₱1M. This also covers other travel-related concerns such as flight delay, lost luggage, and more.
Fees and Charges of PNB Essentials Credit Card
First year annual membership fee is waived. ₱1,200 on the following year for the principal cardholder and ₱600 for the supplementary cardholder. Monthly interest charge is 3.25% and late payment fee of ₱300 for delinquency period not more than 60 days. For delinquency period of 60 days or more, it will be 7% of the total amount due.
Are you eligible for a PNB Essentials Credit Card?
In order to apply as a principal cardholder, he/she should have a minimum monthly income of ₱15,000 and at least 21 years old and above. Supplementary cardholders should be 13 years of age and up.
Are you having difficulty choosing? Our team can help you decide with these suggested cards to check out: Maybank Classic Credit Card and EastWest Bank Practical Credit Card. These cards have similar benefits that may help you come to a decision.
Still undecided? We also recommend that you check out the rest of our line up of PNB credit cards available on our site to help you with your search.