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PNB-PAL Mabuhay Miles Platinum Mastercard

by Philippine National Bank

Mastercard networkMiles card

Quick take

Main benefit

Travel miles. Your spending earns miles you can put toward flights.

Main catch

The yearly fee returns after the first year (₱3,000) unless the bank waives it.

Income needed

₱100,000/mo The bank does the final check.

Annual fee

₱3,000/yr Waived for the first year.

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Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Is this card for you?

Good fit if
  • You travel often and want your spending to earn miles.
  • You pay your balance in full each month to avoid interest.
Look elsewhere if
  • You'd rather earn straight cashback than points or miles.
  • You expect to carry a balance from month to month.
  • You earn below ₱100,000 a month.

The numbers

Earn rateStill being checked with the bank
Annual fee₱3,000/yr
Interest if unpaid3.00% / month
Late payment fee₱1,000
Foreign currency markup2.50%
›More fees and details
Cash advance fee₱200
Over-limit fee₱500
Fee waiverWaived for first year from card issuance only; no spend-based waiver condition found

The catch

  • The yearly fee returns after the first year (₱3,000) unless the bank waives it.
  • Interest is steep if you don't pay in full — about 3.00% a month.

Ready to decide?

Apply on Philippine National BankCompare similar cards

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

You'll finish on Philippine National Bank's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
  • One valid government ID— passport, driver's license, UMID, or PhilSys.
  • Proof of income — a recent payslip, your latest ITR, or a COE with salary.
  • Proof of billing address — a utility bill or a bank statement.
  • 10–15 minutes to fill out Philippine National Bank's application form.
From Philippine National Bank's official page · Checked Jun 8, 2026

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Apply on Philippine National BankCompare