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
User Rating 4.5 (4 Reviews)
Nghia Lee I am so happy that I have finally got my credit card from my ninang, iba talaga kapag may kakilala ka sa banko, kasi mas ...read more
Forum 3Threads (2 Replies)
Terrence Olson Possible bang sa unang application ko, maapprove agad ako sa pinaka mataas na max limit ng credit card?

Information

Reviews

Forum

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5% of the amount withdrawn or 2% for USD plus transaction fee of P100 or USD 3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

Reviews of PNB Essentials MasterCard

User Review : 4Reviews

Design 4.3
Fees & Charges 4.8
Customer service 5.0
Features 4.0
Total 4.5

Nghia Lee

easy to use

I am so happy that I have finally got my credit card from my ninang, iba talaga kapag may kakilala ka sa banko, ...Read more

  • Rating : 4.3
  • Date : Jun 10, 2019
  • Review by Nghia Lee

Juddie Hopps

poor features

sa lahat ng credit cards ito yung bank na wala masyadong features kaya parang gusto ko nalang siya icancel hindi ...Read more

  • Rating : 3.8
  • Date : Feb 5, 2019
  • Review by Juddie Hopps

lelan

great card to use

I am so happy at na approve ako sa card na ito. I love using it kasi kapag late ang sahod nagagamit ko ang card na ...Read more

  • Rating : 5.0
  • Date : Nov 12, 2018
  • Review by lelan

Forum of PNB Essentials MasterCard

Terrence Olson

Limits

Possible bang sa unang application ko, maapprove agad ako sa pinaka mataas na max limit ng credit card?

  • Last updated : Aug 21, 2019
  • Posted by Terrence Olson
  • Replies of This topic : 1 Replies

Nadine Jabar

Sagad

Ilang po yung max limit nito? Kahit yung starting lang

  • Last updated : Apr 29, 2019
  • Posted by Nadine Jabar
  • Replies of This topic : 0 Replies

nathan luis

Pin

May pin ba na binibigay ang bank para sa mga ganitong card? naiisip ko kasi baka pwede ko iwidraw cash instead gamitin ang card. Dito ko kasi kinukuha ang allowance ko eh. Paano kaya?

  • Last updated : Feb 18, 2019
  • Posted by nathan luis
  • Replies of This topic : 1 Replies

Top5 PNB Credit Card

Information

Reviews

Forum

Overall Rating

Design 4.3
Fees & Charges 4.8
Customer service 5.0
Features 4.0
Total 4.5

Please feel free to post your review on this product.

Write a Review

Nghia Lee

  • Review by Nghia Lee
  • Jun 10, 2019
Design 4.0
Fees & Charges 4.0
Customer service 5.0
Features 4.0
Total 4.3

easy to use

I am so happy that I have finally got my credit card from my ninang, iba talaga kapag may kakilala ka sa banko, kasi mas madali ma approve 2 days lang may card na ako, pero I provided naman documents kaya lang baba ng credit limit sabi niya good start na daw yun para mag build ng credit kaya sabi niya sa akin after 1 year pwede na ako mag apply sa ibang bank para mas mataas ang limit basta maganda din daw ang maging record ko sa kanila mas madali din daw ako na maaapprove sa ibang banko yan daw ang technique sa pag aapply ng credit card.

Good Review

Juddie Hopps

  • Review by Juddie Hopps
  • Feb 5, 2019
Design 3.0
Fees & Charges 5.0
Customer service 5.0
Features 2.0
Total 3.8

poor features

sa lahat ng credit cards ito yung bank na wala masyadong features kaya parang gusto ko nalang siya icancel hindi kasi nageearn ng points hindi katulad ng bpi at metrobank ko dami ko ng points kasi madalas ko din ito nagagamit dahil need ko mag earn ng points. Ito sayang kasi minsan lang kasi wala akong nakukuhang points or rebates, ang maganda lang dn isa sa mga banko na mababa ang annual fees kaya hindi ko din ma let go at sayang din naman for emergency use.

Good Review

lelan

  • Review by lelan
  • Nov 12, 2018
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

great card to use

I am so happy at na approve ako sa card na ito. I love using it kasi kapag late ang sahod nagagamit ko ang card na ito. Very convenient to use kasi never naging offline ang bank and always on time dumating ang bill niya. Wala din ako problema sa customer service nila madali lang ito tawagan at very accommodating din. wala ako naging problema sa application easy and smooth basta ma provide ko lahat ng documents needed. Best bank ang PNB sa akin good thing I switch to this bank malapit lang and accessible kaya perfect siya for me.

Good Review

arn

  • Review by arn
  • Oct 29, 2018
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Very elegant card

Ang ganda ng kulay ha gold tsaka black very elegant yung kulay parang napaka-social card talagang yung datin sakin is seductive card kaya may ganito ako nag-apply talaga ako para makakuha ng ganitong card. Pupunta kasi kami ng hawaii ng girlfriend ko and then i would rather use this one for the mean time since i dont have enough money to sustain our travel expense when we go to somewhere. We're having a date for the next month since 2nd anniversary na namin. Big preparation to sakin, maganda kasi tong cared natin e dito ako nagrerely talaga.

Good Review

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Information

Reviews

Forum

Please feel free to post your questions on this product.

Start a new topic

Limits

Terrence Olson

  • Terrence Olson
  • Jul 28, 2019

Possible bang sa unang application ko, maapprove agad ako sa pinaka mataas na max limit ng credit card?

Juan Lodi

  • Juan Lodi
  • Aug 21, 2019

Ang naiisip ko lang dahilan para mangyari yun ay kapag lagpas ka sa minimum monthly income na qualification ng card na ito, doon naman kasi sila nagbabase kung magkano yung credit limit at kung may luma kang credit card na may magandang credit history din, mas mataas yung chance na ibigay nila sayo yung max credit limit

Good Answer

Reply

Sagad

Nadine Jabar

  • Nadine Jabar
  • Apr 29, 2019

Ilang po yung max limit nito? Kahit yung starting lang

Reply

Pin

nathan luis

  • nathan luis
  • Nov 14, 2018

May pin ba na binibigay ang bank para sa mga ganitong card? naiisip ko kasi baka pwede ko iwidraw cash instead gamitin ang card. Dito ko kasi kinukuha ang allowance ko eh. Paano kaya?

Sven Michael

  • Sven Michael
  • Feb 18, 2019 / Good Answers : 3

Kapag credit cards, wala PIN nabinibigay mga banko kasi hindi naman kelangan at post paid siya, magkaibang account din yung savings at credit card kaya hindi ka pwede mag withdraw sa bank account mo gamit yung credit card, pero pwede ka mag withdraw at ang tawag doon "cash advance", utang din yun sa banko at mas mataas yung interest kaya hindi siya advisable unless last resort na

Good Answer

Reply

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