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Credit card · Mastercard
PNB Ze-Lo Mastercard
by Philippine National Bank
Mastercard network
Quick take
Main benefit
No yearly fee. A card you can keep for free, even if you rarely use it.
Main catch
Interest is steep if you don't pay in full — about 2.50% a month.
Income needed
₱10,000/mo The bank does the final check.
Annual fee
₱0 — no yearly fee for life
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 want a first credit card from a bank people recognize.
- You want a card you can keep without a yearly fee.
- You pay your balance in full each month to avoid interest.
Look elsewhere if
- You expect to carry a balance from month to month.
- You want the highest rewards rate on the market.
The numbers
Earn rateStill being checked with the bank
Annual fee₱0 — no yearly fee for life
Interest if unpaid2.50% / month
Late payment feeStill being checked with the bank
Foreign currency markup2.50%
›More fees and details
Cash advance fee₱200
Fee waiverNo yearly fee for life.
The catch
- Interest is steep if you don't pay in full — about 2.50% 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.
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.