Credit card · Mastercard · Rewards
PNB Platinum Mastercard
by Philippine National Bank
Philippine National Bank
Yearly fee
PHP 3,000
Quick take
Main benefit
Simple points. You earn points on every purchase — no categories to track.
Main catch
The yearly fee returns after the first year (₱3,000) unless the bank waives it.
Income needed
₱50,000/mo The bank does the final check.
Annual fee
₱3,000/yr Waived for the first year.
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?
- You want simple rewards without tracking categories.
- You pay your balance in full each month to avoid interest.
- You'd rather earn straight cashback than points or miles.
- You expect to carry a balance from month to month.
- You earn below ₱50,000 a month.
The numbers
›More fees and details
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?
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.
›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.
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.