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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

HSBC Red Mastercard

HSBC Red Mastercard

Mastercard
Withdrawal Limit
-
Min. Annual Income
200000
Annual Fee
2500
  • Accelerated Rewards: 4× points on dining, online, shopping, and overseas spend; 1 point per ₱20 on other purchases
  • Fuel Rebate: 6% on first Caltex fuel purchase; 3% thereafter at Caltex stations
  • Welcome Offers: For instance, 3,000 PHP GCash eGCs when you spend ₱10,000 within 60 days (promo details vary)
  • Additional Features:
    • Access to over 27,000 travel privileges via HSBC’s home&Away program
    • Autocharge facility for bills
    • Cash advance capability
  • Maya Black Credit Card

    Maya Black Credit Card

    Visa
    Withdrawal Limit
    -
    Min. Annual Income
    0
    Annual Fee
    0
    • No annual fee with just one monthly transaction
    • Earn Maya Miles on every purchase—redeem for flights, travel perks, or partner rewards.
    • Numberless card with dynamic CVV for enhanced security.
    • Complete in-app control—freeze/unfreeze, view transactions, and manage limits instantly.
    BPI Edge Card

    BPI Edge Card

    Mastercard
    Withdrawal Limit
    Refer to your BPI
    Min. Annual Income
    180000
    Annual Fee
    1320
    • Earn one 1 rewards point for every ₱50 spend
    • Enjoy flexible installment plans and payment options
    • One of the lowest forex conversion rates at 1.85%
    • Enjoy deals and discounts all year round from BPI
    • Ideal for young professionals who want to experience more out of life

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