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PNB / Mastercard

Apply for PNB Essentials Mastercard

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Withdrawal Limit
-
Min. Annual Income
120000
Annual Fee
1200

PNB Essentials Mastercard Key Benefits

Gift Card
Gifts and promo
Travel
Air miles
Savings
Cashback
Dining
Dining / restaurants
Membership
Loyalty points
Traveling
Traveling
Shopping
Shopping
Gas Station
Petrol
Bills/Payments
Bills/Payments
Favorite
Other

Eligibility

Minimum Age
21
Maximum Age
65
Min. Annual Income
120000
Landline Required?
Yes
No
Another Credit Card Required?
Yes
No

Required Documents (if applicable)

ID Documents

Valid government-issued ID

Proof of Income

Yes

Additional Requirements

None

Fees

Annual Fee
1200
Issuance Fee
1200
Free Annually?
Yes
No
Min Monthly Repayment
₱500

Interest

Interest Rate
3.25% per month
Interest Free Period
20
Days

Limits

Min Credit Limt
10000
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Max Credit Limt
10000
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Withdrawal Limit
-
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Payment and Receiving Methods

Payment and Receiving Methods

Payment and Receiving Methods

Supported Payment Methods

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Receiving Methods

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Why should i get the PNB Essentials Mastercard?

Suitable for those desiring flexible rewards and comprehensive travel insurance

PNB Essentials Mastercard Alternatives

PNB-PAL Mabuhay Miles NOW Mastercard

PNB-PAL Mabuhay Miles NOW Mastercard

Mastercard
Withdrawal Limit
-
Min. Annual Income
120000
Annual Fee
1000

Exclusive year-round PAL online discount

HSBC Live+ Credit Card

HSBC Live+ Credit Card

Visa
Withdrawal Limit
0
Min. Annual Income
200000
Annual Fee
2500

Cashback perks:

  • 8% cashback on dining and shopping during your birthday month (capped at ₱1,000)
  • 5% cashback on dining and shopping year-round (capped at ₱1,000/month)
  • 1% cashback on other local purchases
  • 0.5% cashback on overseas spend

Exclusive privileges:

  • HSBC home&Away Privilege Programme discounts worldwide
  • Flexible payment terms with 0% interest installment plans at partner merchants
  • Contactless payment for quick and secure transactions

Ideal for: Frequent diners, lifestyle shoppers, and those who want consistent cashback rewards.

BPI Signature Card

BPI Signature Card

Visa
Withdrawal Limit
Refer to your BPI
Min. Annual Income
1200000
Annual Fee
5500
  • Earn 2 BPI points for every ₱20 spend
  • Get up to ₱20 million free travel accident and inconvenience benefit
  • Enjoy complimentary access for you and one guest at PAGSS international lounges in NAIA 1 and NAIA 3
  • Get exclusive 50% off deals on dining, hotels, resorts, fitness studios, and wellness centers, all year round
  • Ideal for frequent travelers

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