A credit card for Rewards 
PNB Essentials MasterCard
₱15,000
Min. Monthly Income₱1,200
Annual Fee3.25%
Interest RateNot Required
Existing Cardholder Key Features
- ₱55 = 1 point on every spend
- ₱55 = 1 Mabuhay mile on every spend
More Highlights
- Exclusive deals only available to PNB credit cardholders
Eligibility
21 - 65 years
Min. Age (Principal Holder)₱15,000
Min. Monthly IncomeNot Required
Existing CardholderOther Eligibility Information
Tax Identification Number (TIN) and SSS/GSIS No.
Identification Needed21 and above
Principal Holder
13 years old and above
Supplementary Holder
Fees and Charges
₱600.00
Supplementary3.25% per month
Finance ChargesOther Fees and Charges
Supplementary
₱600.00Finance Charges
3.25% per monthLate Payment
₱300.00 or $10.00Cash Advance Amount
30% of credit limitCash Advance Charge
5% of cash advance amount for PHP or 2% for USD + transaction fee of ₱100.00 or $3.00
Cash Advance Interest
Same as credit card interest, 3.25%Card Replacement Fee
₱400.00Sales Slip Retrieval Fee
₱400.00 or $15 (per sales slip)Rewards Points Expiry
No Expiration.
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PNB Essentials MasterCard