• Min. Monthly Income


  • Interest Rate

    3.25% /month

  • Annual Fee


Feature Highlights
  • Exclusive deals only available to PNB credit cardholders


  • If you opt for Mabuhay Miles, ₱50.00 is equal to 1 point or 1 Mabuhay Mile. A minimum block of 2,000 points is required for initial redemption. Succeeding redemptions can be made in blocks of 100 points


  • Earn 1 point or 1 Mabuhay mile for every ₱50.00 spend


  • Earn 1 point or 1 Mabuhay mile for every ₱50.00 spend


  • Earn 1 point or 1 Mabuhay mile for every ₱50.00 spend


  • Enjoy 90 days of warranty against accidental damage or theft in your purchases
  • Enjoy FREE travel insurance if up to ₱1M when you charge your fare to your PNB Credit Card

Other Features

  • Cash Advance

    • 30% of the credit limit and fees 5% of the outstanding amount

  • Balance Transfer

    • 6% per annum for a lock-in tenure of 12 months

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

  • Convenient and Affordable Banking

    • Your card is accepted in more than 22 million shops in 210 countries around the world. You can also pay your credit card bill through over 900 ATMs and branches of Philippine National Bank, Allied Savings Bank, and also through BancNet Online, BDO branches, SM, and Savemore Payment Centers nationwide

  • 24/7 Customer Service

    • Know your balance, cut-off, and due date without the wait, 24/7, here, and abroad

  • eSOA

    • View your Electronic Statement of Account (eSOA) anytime, wherever you are, through their secure online access

Card Information

Annual fee ₱1,200 (Annual fee is waived for the first year.)
Min. monthly income ₱15,000
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱600.00
Finance charges 3.25% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee
Sales Slip Retrieval Fee

₱400.00 or $15 (per sales slip)

Late payment charge

₱300.00 or $10.00

Cash advance amount

30% of credit limit

Cash advance charge

5% of cash advance amount for PHP or 2% for USD + transaction fee of ₱100.00 or $3.00

Cash advance interest charge

Same as credit card interest, 3.25%

Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

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.