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PNB Cart Mastercard

Time to add to PNB Cart Mastercard
Get your card fast, so you can shop online right away! Experience free annual fee for life and secure online shopping when you add to PNB Cart Mastercard.

Why apply for a PNB Cart Mastercard?

  • Get your virtual credit card fast
  • Free annual fee for life
  • Free Purchase Protection Insurance
  • Enjoy promos exclusive to the PNB Cart Mastercard
  • Pay your bill in Peso, even for transactions abroad
  • Global and online acceptance

What can I do with my PNB Cart Mastercard?

Electronic Statement of Account
View your electronic statement of account (eSOA) via PNB Internet Banking or your e-mail registered with PNB Cards.
PNB Mobile App
Pay bills, check balances, monitor transactions, and more anytime, anywhere with the PNB Mobile App.
Balance Transfer
Manage your credit card balances conveniently. Move your other credit card balances to your new PNB Credit Card with low interest rates for easier payments.
Convert-to-Cash
Convert your credit limit into cash and pay light installments at low interest rates.
Transaction Conversion
Convert your straight payments into installments and enjoy low interest on your purchases.
Free Purchase Protection Insurance
Up to P250k covered annually. Your purchased items are covered against accidental damage and theft within 90 days from date of purchase.
Free Travel Insurance
Up to P1M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB Cart Mastercard. Travel-related concerns such as flight delay and lost luggage are covered.
PNB Credit Card Terms and Conditions | Fees and Charges

I want to apply now!

Qualifications to Apply

  • 21-65 years old
  • Annual income is at least P120,000

Requirements to Apply

For applications made online, please compile all files into one (1) PDF. Please include a selfie holding your government ID. Make sure the photo is clear.
Employed    
  • Recent one (1) month payslip or Certificate of Employment (stating Gross Income, Date Hired, and Position) or ITR or active principal credit card number (with at least 1 year membership)
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or UMID or Company ID)
  • Proof of billing (for non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
  • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
Self-employed    
  • Latest Income Tax Return with BIR Stamp and latest Audited Financial Statement
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or Unified Multi-Purpose ID/UMID) or Company ID
  • Proof of billing (for non-carded or non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
  • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
If you are a foreign national, you must also submit either A or B of the following:
  • A
    • Passport
    • Alien Certificate of Residence (ACR)
    • Proof of billing (for non-carded or non-depositor)
      • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
    • And any of the following:
      • National ID
      • Internal Revenue Service (IRS) ID
      • Social Security Number (SSN) ID
      • Driver’s License
      • Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
      • Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC, or IC
  • B
    • Passport
    • Unexpired Philippine Retirement Authority ID (PRA) or Special Resident Retiree’s Visa (SRRV)
    • Proof of billing (for non-carded or non-depositor)
      • Utility bills (electricity, telephone, etc.) or credit card statement of account
    • And any of the following:
      • Bureau of Immigration Approved Order
      • Certificate of Deposit issued by the Bank where the PRA/Visa is deposited

Frequently Asked Questions

  1. How fast can I get my virtual credit card?
    • PNB depositors can receive their credit card in as fast as 3 banking days. Non-PNB depositors can receive their credit card in as fast as 7 banking days.
  2. How do I receive my virtual credit card?
    • Your PNB Cart Mastercard will be sent to your registered email address in a password-protected PDF with additional instructions for a smooth experience. This file will contain your credit card details. The password for this file will be sent to your registered mobile number. To avoid any issues, please make sure your contact details registered with PNB Cards are still updated.
  3. How do I activate my credit card?
  4. How do I apply for a supplementary credit card?
    • Supplementary credit cards are currently unavailable for PNB Cart Mastercard.
  5. Does this come with a physical credit card?
    • No, the PNB Cart Mastercard is a virtual credit card only.
  6. Can I use the PNB Cart Mastercard in physical stores?
    • No, the PNB Cart Mastercard can only be used for online purchases.
  7. Can I use the PNB Cart Mastercard to pay for streaming services (Netflix, Spotify, etc.)?
    • Yes, the PNB Cart Mastercard can be used for any online purchases that accepts Mastercard.
  8. Can I avail of Cash Advance with the PNB Cart Mastercard?
    • No, Cash Advance is not available with the PNB Cart Mastercard.
  9. How can I pay my bill?
    • You can pay your PNB Credit Card bill through any of the following:
      • PNB
      • Others
        • ATMs of participating BancNet members
        • BDO branches
        • SM and Savemore payment centers nationwide
        • Mobile/Internet Banking of participating BanNet members (e.g. BDO, GCash)
        • BancNet online
    Note:
    *Payments made via PNB channels will be reflected on the account within 1-2 banking days after the date of payment.
    *Payments made via other payment centers and online payment channels will be reflected on the account within 2-4 banking days after the date of the payment.
    *Additional 3 banking days will be needed in processing check payments as they are subject to clearing.
    *Payment of dollar accounts is only applicable for PNB branches, ADA, mobile banking, and internet banking. A PNB deposit account (in USD) is needed to proceed with the payment via ADA, mobile banking, and internet banking.
    *Select “PNB Credit Cards” as the biller when paying via online payment channels.
  10. What are the applicable credit card fees and charges?
    • Please click here to view all applicable fees and charges.
  11. Is the PNB Cart Mastercard included in PNB promos?
    • Yes. Unless otherwise stated in promo mechanics, the PNB Cart Mastercard is included in PNB promos and merchant discounts.
  12. I didn’t receive my monthly billing/eSOA. What do I do?
    • Please make sure that your registered e-mail address is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill up the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
  13. How do I update my information?
    • Call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill up the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph.
      Make sure your mobile no., e-mail address, TIN, SSS/GSIS no, and other info are up to date. Also ensure you submit your latest income tax return (ITR).
  14. My PNB Debit Card is already signed up to the PNB Mobile Banking App. How can I sign up my PNB Credit Card?
    1. On the PNB Mobile Banking App, go to My Accounts page and click the three dotted button on the upper right corner.
    2. Select Enroll Credit Card.
    3. Enter your valid PNB Credit Card number, date of birth, and card expiration date then click Continue.
    4. Enter the correct one-time PIN (OTP) sent to mobile number registered with PNB Cards.
    5. Click Update Mobile Number if you want to change the mobile number saved in your PNB Mobile/Internet Banking account. Click Skip if you do not want to update your mobile number.
      *If you maintain different mobile numbers for your deposit account and PNB Credit Card, you will be asked to confirm which mobile number will be used to send your one-time PIN (OTP), messages, etc.
    6. Click OK if you agree to update your mobile number.
    7. Your Credit Card is now successfully signed up.
  15. I don’t receive my one-time PIN (OTP) whenever I try to enroll my Credit Card to the PNB Mobile Banking App. What do I do?
    • Please make sure that your registered mobile no. is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill up the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
  16. Who can I contact if ever I have questions or concerns about the credit card?
About Rewards    
  1. Does the PNB Cart Mastercard earn rewards points?
    • No, the PNB Cart Mastercard does not earn any rewards points. Please enjoy other exclusive offers such as getting your card fast, and free annual fee for life.
  1. Where can I report unauthorized transactions?
  2. How can I report incorrect amount/charges?

Earn as much as P2,500 rebates

VIEW PROMO

P600 OFF at The SM Store Shopee Mall

VIEW PROMO

Up to 90% OFF and FREE Shipping

VIEW PROMO

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PNB Cart Mastercard

Time to add to PNB Cart Mastercard
Get your card fast, so you can shop online right away! Experience free annual fee for life and secure online shopping when you add to PNB Cart Mastercard.

Why apply for a PNB Cart Mastercard?

  • Get your virtual credit card fast
  • Free annual fee for life
  • Free Purchase Protection Insurance
  • Enjoy promos exclusive to the PNB Cart Mastercard
  • Pay your bill in Peso, even for transactions abroad
  • Global and online acceptance
Download the app

What can I do with my PNB Cart Mastercard?

Card Services    
  • Balance Transfer
    • Manage your credit card balances conveniently. Move your other credit card balances to your new PNB Credit Card with low interest rates for easier payments.
  • Convert-to-Cash
    • Convert your credit limit into cash and pay light installments at low interest rates.
  • Transaction Conversion
    • Convert your straight payments into installments and enjoy low interest on your purchases.
Card Protect    
  • Free Purchase Protection Insurance
    • Up to P250k covered annually. Your purchased items are covered against accidental damage and theft within 90 days from date of purchase.
  • Free Travel Insurance
    • Up to P1M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB Cart Mastercard. Travel-related concerns such as flight delay and lost luggage are covered.
PNB Credit Card Terms and Conditions
Fees and Charges

I want to apply now!

Qualifications

  • 21-65 years old
  • Annual income is at least P120,000

Requirements

For applications made online, please compile all files into one (1) PDF. Please include a selfie holding your government ID. Make sure the photo is clear.
Employed    
  • Recent one (1) month payslip or Certificate of Employment (stating Gross Income, Date Hired, and Position) or ITR or active principal credit card number (with at least 1 year membership)
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or UMID or Company ID)
  • Proof of billing (for non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
  • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
Self-employed    
  • Latest Income Tax Return with BIR Stamp and latest Audited Financial Statement
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or Unified Multi-Purpose ID/UMID) or Company ID
  • Proof of billing (for non-carded or non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
  • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
If you are a foreign national, you must also submit either A or B of the following:
  • A
    • Passport
    • Alien Certificate of Residence (ACR)
    • Proof of billing (for non-carded or non-depositor)
      • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
    • And any of the following:
      • National ID
      • Internal Revenue Service (IRS) ID
      • Social Security Number (SSN) ID
      • Driver’s License
      • Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
      • Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC, or IC
  • B
    • Passport
    • Unexpired Philippine Retirement Authority ID (PRA) or Special Resident Retiree’s Visa (SRRV)
    • Proof of billing (for non-carded or non-depositor)
      • Utility bills (electricity, telephone, etc.) or credit card statement of account
    • And any of the following:
      • Bureau of Immigration Approved Order
      • Certificate of Deposit issued by the Bank where the PRA/Visa is deposited

Frequently Asked Questions

  1. How fast can I get my virtual credit card?
    • PNB depositors can receive their credit card in as fast as 3 banking days. Non-PNB depositors can receive their credit card in as fast as 7 banking days.
  2. How do I receive my virtual credit card?
    • Your PNB Cart Mastercard will be sent to your registered email address in a password-protected PDF with additional instructions for a smooth experience. This file will contain your credit card details. The password for this file will be sent to your registered mobile number. To avoid any issues, please make sure your contact details registered with PNB Cards are still updated.
  3. How do I activate my credit card?
  4. How do I apply for a supplementary credit card?
    • Supplementary credit cards are currently unavailable for PNB Cart Mastercard.
  5. Does this come with a physical credit card?
    • No, the PNB Cart Mastercard is a virtual credit card only.
  6. Can I use the PNB Cart Mastercard in physical stores?
    • No, the PNB Cart Mastercard can only be used for online purchases.
  7. Can I use the PNB Cart Mastercard to pay for streaming services (Netflix, Spotify, etc.)?
    • Yes, the PNB Cart Mastercard can be used for any online purchases that accepts Mastercard.
  8. Can I avail of Cash Advance with the PNB Cart Mastercard?
    • No, Cash Advance is not available with the PNB Cart Mastercard.
  9. How can I pay my bill?
    • You can pay your PNB Credit Card bill through any of the following:
      • PNB
      • Others
        • ATMs of participating BancNet members
        • BDO branches
        • SM and Savemore payment centers nationwide
        • Mobile/Internet Banking of participating BanNet members (e.g. BDO, GCash)
        • BancNet online
    Note:
    *Payments made via PNB channels will be reflected on the account within 1-2 banking days after the date of payment.
    *Payments made via other payment centers and online payment channels will be reflected on the account within 2-4 banking days after the date of the payment.
    *Additional 3 banking days will be needed in processing check payments as they are subject to clearing.
    *Payment of dollar accounts is only applicable for PNB branches, ADA, mobile banking, and internet banking. A PNB deposit account (in USD) is needed to proceed with the payment via ADA, mobile banking, and internet banking.
    *Select “PNB Credit Cards” as the biller when paying via online payment channels.
  10. What are the applicable credit card fees and charges?
    • Please click here to view all applicable fees and charges.
  11. Is the PNB Cart Mastercard included in PNB promos?
    • Yes. Unless otherwise stated in promo mechanics, the PNB Cart Mastercard is included in PNB promos and merchant discounts.
  12. I didn’t receive my monthly billing/eSOA. What do I do?
    • Please make sure that your registered e-mail address is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill up the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
  13. How do I update my information?
    • Call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill up the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph.
      Make sure your mobile no., e-mail address, TIN, SSS/GSIS no, and other info are up to date. Also ensure you submit your latest income tax return (ITR).
  14. My PNB Debit Card is already signed up to the PNB Mobile Banking App. How can I sign up my PNB Credit Card?
    1. On the PNB Mobile Banking App, go to My Accounts page and click the three dotted button on the upper right corner.
    2. Select Enroll Credit Card.
    3. Enter your valid PNB Credit Card number, date of birth, and card expiration date then click Continue.
    4. Enter the correct one-time PIN (OTP) sent to mobile number registered with PNB Cards.
    5. Click Update Mobile Number if you want to change the mobile number saved in your PNB Mobile/Internet Banking account. Click Skip if you do not want to update your mobile number.
      *If you maintain different mobile numbers for your deposit account and PNB Credit Card, you will be asked to confirm which mobile number will be used to send your one-time PIN (OTP), messages, etc.
    6. Click OK if you agree to update your mobile number.
    7. Your Credit Card is now successfully signed up.
  15. I don’t receive my one-time PIN (OTP) whenever I try to enroll my Credit Card to the PNB Mobile Banking App. What do I do?
    • Please make sure that your registered mobile no. is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill up the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
  16. Who can I contact if ever I have questions or concerns about the credit card?
About Rewards    
  1. Does the PNB Cart Mastercard earn rewards points?
    • No, the PNB Cart Mastercard does not earn any rewards points. Please enjoy other exclusive offers such as getting your card fast, and free annual fee for life.
  1. Where can I report unauthorized transactions?
  2. How can I report incorrect amount/charges?

Earn as much as P2,500 rebates

VIEW PROMO

P600 OFF at The SM Store Shopee Mall

VIEW PROMO

Up to 90% OFF and FREE Shipping

VIEW PROMO

purchase-protect-credit-card-insurance

Purchase Protection Insurance – What it Means for You

Was your online purchased item lost, stolen, or damaged when received? Some credit cards have a Purchase Protection…


READ MORE

life-after-debt-managing-your-credit-card-bills

Life After Debt: Managing your Credit Card Bills

Are your bills piling up because of online shopping and other card swipes? While it’s convenient to shop whether online…


READ MORE


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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.
PNB is regulated by the Bangko Sentral ng Pilipinas consumeraffairs@bsp.gov.ph. Access BSP Online Buddy (BOB) via Webchat, Facebook, and SMS 021582277 (for Globe subscribers).
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