• Min. Monthly Income


  • Interest Rate

    3.25% /month

  • Annual Fee


Feature Highlights
  • Exclusive deals only available to PNB credit cardholders


  • Enjoy FREE travel insurance if up to ₱3M when you charge your fare to your PNB Credit Card
  • Enjoy 90 days of warranty against accidental damage and theft in your purchases


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


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


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


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

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

  • eSOA

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

  • 24/7 Customer Service

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

  • Dual Billing Flexibility

    • Your local transactions will be billed in Peso while international transactions get a separate billing in US Dollars with the option to pay in either Dollar or Peso currency (based on payment rate of the day).

Card Information

Annual fee ₱3,000 (Annual fee is waived for the first year.)
Min. monthly income ₱40,000
Min. age for principal holder

21 - 65 years old

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱1,250.00
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 $15.00 (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

Simply Premium

Receive the reward that you deserve with PNB Platinum credit card. Simplify your spending and take advantage of premium discounts, privileges, and perks exclusively available to cardholders. Use your card to earn points as you get 1 rewards point for every ₱50 spending. You can use your accumulated points to redeem Mabuhay Miles or get Cash Credits. With free purchase protection insurance, your purchased items will have accidental damage and theft warranty of up to 90 days. You will also feel secure during your travels as you get free travel insurance worth up to ₱3M coverage.

Fees and Charges of PNB Platinum Credit Card

Annual membership fee for the first year is waived. Succeedingly, the annual membership fee for the principal cardholder is ₱2,500 and ₱1,250 for supplementary cardholder. Monthly interest charge is 3.25% and late payment fee would depend on the delinquency period. If it’s not more than 60 days, fee is ₱300. If it’s 60 days or more, it will be 7% of the total amount due.

Are you eligible for a PNB Platinum Credit Card?

To apply, you have to be 21 - 65 years of age and have a minimum monthly income of ₱40,000. Supplementary cardholders should have a minimum age of 13 years.

We're here to help you make the right decision. We also recommend that you check out RCBC Black Card Platinum Peso Credit Card and Security Bank Platinum Credit Card, given your interest on the same features and benefits.

If you're still looking for more, you can also view the available PNB credit cards on our website and compare which one matches your requirements.