PNB Essentials MasterCard and Promo

PNB Essentials MasterCard Credit Cards

Interest Rate
3.25% per month
Annual fee
P1,200 First year waived
Promo & Features
  • Cashback
  • Mileage
  • Reward
Apply
Online
Inquiry
Tel
818-9-818
Mail
customercare@pnb.com.ph
Online
Visit inquiry page
  • Lighter payments on your monthly dues for financial flexibility.
  • Free Travel insurance package for your worry free travel whenever, wherever you go all around the globe.
  • Protect your purchases, get your purchases covered against accidental damage and theft.
  • Minimum monthly income : P15,000
  • Late payment charge : P300 or USD 10
  • more info

Information

Reviews

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Lighter payments on your monthly dues for financial flexibility.

You don’t have to worry about your monthly billing statements, pay as low as 5% of your bill or P500, whichever is higher. For Dollar accounts, pay as low as 5% of your total bill or Usd 50, whichever is higher.

Free Travel insurance package for your worry free travel whenever, wherever you go all around the globe.

Just by purchasing your travel ticket with your Credit Card, Get to travel with a peace of mind knowing that you are insured up to P 1million in Travel Accident insurance.

Protect your purchases, get your purchases covered against accidental damage and theft.

Enroll for Fraud Transaction Insurance, For only P120 a year, be worry free from unauthorized charges, card lost/stolen or if your card is used to make fraudulent transactions.

Basic Information

Card name

PNB Essentials MasterCard

Bank

PNB

Brand

Master

Type

Standard

Fees and charges

Interest rate (per month)

3.25%  per month

Annual fee

P1,200  First year waived

Annual Fee for Supplementary holder

Balance transfer Rate

0.55% for 24 months

Minimum Payment

5% of Total Amount Due or P500/USD 50, whichever is higher

Credit Limit

Late payment charge

P300 or USD 10

Cash advance limit

30% of credit limit

Cash advance handling fee

5% of the amount withdrawn or 2% for USD plus transaction fee of P100 or USD 3

Cash advance interest charge

3.25%

Overseas spending fee

2.50% of the amount during the time of purchase based on MasterCard/Visa/UnionPay's conversion rate

Over Limit Fee

P300 or USD10

Payment Channels and Fees

Installment Plan

0% interest installment terms or longer payment terms at any participating merchants

Sales Slip Retrieval Fee

P400 or USD15

Replacement/Lost card fee

P400

Returned Check Fee

P1,000 for Peso billing USD10 for Dollar billing

Eligibility

Minimum monthly income

P15,000

Minimum age for Principal holder

must be 21 to 70 years old

Minimum age for Supplementary holder

16 years old and above

Promo & Features

Cashback

0.5% cashback
  • Get 0.5% Cashback, Earn 1 point for every P50 spent, exchange points to cash 4 points is equivalent to P1

Reward

P50 spent = 1 point
  • Earn 1 point for every P50 spent accumulate point and exchange them for various deals or rewards
  • Cash credit redeemable in blocks of 1,500 points only

Mileage

P50 spent = 1 mile
  • Earn 1 point for every P50 spent, 1 point is equivalent to 1Mabuhay Miles

Shopping

Transport Accident Insurance/ Travel Insurance

Up to P 1million in Travel accident insurance

Purchase Protection

Free purchase protection valid for 90 days from the day of purchase

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