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PNB TAP Mastercard Account

Enjoy all the perks of a debit account with a zero-maintaining balance account. Begin your contactless shopping, payments, and saving experience with PNB Tap Mastercard.

Why open a PNB TAP Mastercard Account

  • ✓ Zero-maintaining balance
  • ✓ Earn Interest*
  • ✓ Earn points from select merchants which can be redeemed for Mabuhay Miles
  • ✓ Enjoy a 500 Mabuhay Miles welcome gift when you purchase at PAL within 3 months from card issuance.
* ADB must be PHP 10,000.00 to earn interest
Ready to open an account?
Bank and track your account anywhere
Enjoy all the perks of a debit account with a zero-maintaining balance account. Begin your contactless shopping, payments, and saving experience with PNB Tap Mastercard.
Ready to open an account?
Bank and track your account anywhere

Why open a PNB TAP Mastercard Account

  • ✓ Zero-maintaining balance
  • ✓ Earn Interest*
  • ✓ Earn points from select merchants which can be redeemed for Mabuhay Miles
  • ✓ Enjoy a 500 Mabuhay Miles welcome gift when you purchase at PAL within 3 months from card issuance.
* ADB must be PHP 10,000.00 to earn interest

What are the requirements to open a PNB TAP Mastercard Account

  • 2 Government-issued Valid IDs
  • Fully accomplished Forms (Provide TIN and SSS/GSIS number, if applicable)
  • *Branch may request for Proof of Billing for further validation

How to open a PNB TAP Mastercard Account

Visit a PNB branch and present requirements

Wait for your PNB TAP Mastercard and change your PIN

Enroll your account in PNB Mobile Banking App

How to enroll your PNB TAP Mastercard Account to PNB Mobile Banking App

Click Sign-Up in the login page on PNB Mobile Banking App

Choose account type and input Debit Card Number and PIN

Create your user ID and password

Enter 6-digit One-Time PIN (OTP) sent via SMS

Upon initial login, enter Online Activation Code (OAC) sent via e-mail

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Frequently Asked Questions

  1. How much should I deposit?
    • You can deposit any amount to your PNB TAP Mastercard upon opening. There is no minimum initial deposit.
  2. Is there a maintaining balance for my account?
    • PNB TAP Mastercard does not have a minimum maintaining balance.
  3. Will I be charged for going below maintaining balance?
    • There are no charges for going below maintaining balance. PNB TAP Mastercard does not have a minimum maintaining balance but it has a TAP account fee of PHP 15.00/month or PHP 180.00/year
  4. How do I get my PNB Tap Mastercard?
    • Your PNB TAP Mastercard shall be available for pick up at the Branch where you opened the account. Find the nearest PNB Branch Now.
  5. When do I get my PNB TAP Mastercard?
    • Your PNB TAP Mastercard shall be available for pick up at the Branch where you opened the account after 7-10 banking days from the date of account opening.
  1. What is a PNB-PAL Mabuhay Miles Debit Mastercard?

    PNB-PAL Mabuhay Miles Debit Mastercard features and benefits are as follows:
    • Earn points which can be redeemed for Mabuhay Miles when you shop at select merchant categories
    • Enjoy a Mabuhay Miles welcome gift when you purchase from Philippine Airlines (PAL) within 3 months from card issuance
    • Withdraw at any BancNet ATMs in the Philippines
    • Accepted internationally at Mastercard and Maestro-affiliated shops and ATMs
    • Use for online transactions for ease and convenience
    • Tap to pay on any Mastercard contactless-enabled POS machines
  2. How do I use my card to purchase online?
    • For online purchases, simply input your card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online shops that you visit to avoid fraudulent transactions.
  3. Are there local transaction charges?
    • Local transaction charges are as follows:

    Withdrawal on PNB ATM None
    Inquiry on PNB ATM None
    Withdrawal on Other Bank’s ATM PHP 11.00
    Inquiry on Other Bank’s ATM PHP 2.00
    BancNet POS None
    Fund Transfer to Other Banks through BancNet (IBFT) PHP 25.00
  4. Can I use my card to pay online?
    • To use your PNB-PAL Mabuhay Miles Debit Mastercard for online payments, simply input the card details when asked. There will be a One-Time PIN (OTP) sent to your registered mobile number to confirm the transaction. Please be mindful of the online payment sites that you visit to avoid fraudulent transactions.
  5. Are there international transaction charges?
    • International transaction charges are as follows:

    Withdrawal PHP 150.00
    Inquiry PHP 75.00

    * All transactions made in foreign currencies will be automatically converted to Philippine Peso on the transaction dates at the prevailing exchange rate applied by Mastercard. A fee of up to three percent (3%) will be imposed by the Bank on the converted amount which represents our service fee and other charges related to the transaction.
  6. Can I withdraw my money abroad?
    • Yes, you may withdraw your money abroad at any Mastercard and Maestro-affiliated shops and ATMs.
  7. How do I receive an OTP for my transactions?
    • Each time you make an online purchase you will be required to enter a One-Time PIN (OTP) to proceed on each of your online transactions using your PNB-PAL Mabuhay Miles Debit Mastercard. Kindly ensure that your contact details are updated by visiting any PNB Branch. Only your registered mobile number will receive an OTP.
  8. Are there fees for OTP transactions?
    • OTP transactions are free of charge. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.
  9. What to do when I don’t get an OTP for transactions?
    • Expect to receive the OTP via SMS within five (5) minutes. If you do not receive the OTP, you may click the “Regenerate OTP” button to get a new one.
  1. How do I report a lost/stolen debit card?
  2. Is there a fee for card replacement?
    • Yes, card replacement is charged PHP 150.00

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Customer Care Contacts

PNB Cards
Tel. No.: (+632) 8818 9818
Email: pnbcreditcards@pnb.com.ph
Bank Hotline
Tel. No.: (+632) 8573 8888
Email: customercare@pnb.com.ph
Deposits are insured by PDIC up to P500,000 per depositor.
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