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PNB Platinum Mastercard

Venture into new horizons for a more premium experience on the latest fashion and the finest restaurants.

Why apply for a PNB Platinum Mastercard

  • ✓ Flexible payment
  • ✓ Earn rewards
  • ✓ Cash Advance
  • ✓ Free Travel Insurance of up to P3M
  • ✓ Free Purchase Protection Insurance of up to P250K
  • ✓ Fraud Transaction Insurance of P250K for P120/year
  • ✓ Manage your Credit Card anytime
Venture into new horizons for a more premium experience on the latest fashion and the finest restaurants.
Download the app

Why apply for a PNB Platinum Mastercard

  • ✓ Flexible payment options
  • ✓ Earn rewards
  • ✓ Cash Advance
  • ✓ Free Travel Insurance of up to PHP3M
  • ✓ Free Purchase Protection Insurance of up to PHP250K
  • ✓ Fraud Transaction Insurance of PHP250K for PHP120/year
  • ✓ Manage your Credit Card anytime

Requirements to Apply

Employed    
  • Recent one (1) month payslip, 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 Unified Multi-Purpose ID/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, or 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

How to enroll your account to PNB Mobile Banking App

Open the PNB Mobile Banking App and click Sign Up

Read the Terms and Conditions and press Agree

Choose Credit Card

Enter your valid Card Number, Date of Birth, and Card Expiry

Create your User ID and password

Enter the correct One-Time PIN (OTP) sent to your registered mobile number

Wait for the confirmation page to appear and log in to your account

Installment programs

Step up with the ultimate Credit Card shift with a low interest rate advantage. Balance Transfer can quickly move your other Credit Card balances to your new PNB Platinum Mastercard.
Convert your credit limit into cash and pay the same in installment terms at low interest rates.
Convert your straight purchases into installments and enjoy low interest rates.
Shop at PNB-affiliated partner merchants for your expensive must-haves at 0% interest on installment and choose your preferred payment terms from 3, 6, 9, 12 ,18, up to 24 months.

Promos

FREE delivery at Metromart

Discounts at pushkart.ph

P150 OFF at Everyday Coffee Roasters

FREE delivery at Metromart

Discounts at pushkart.ph

P150 OFF at Everyday Coffee Roasters

Frequently Asked Questions

  • My PNB Debit Card is already enrolled on the PNB Mobile Banking App. How can I enroll my PNB Credit Card?
    • On the PNB Mobile Banking App, go to My Accounts page and click the three dotted button on the upper right corner
    • Select Enroll Credit Card
    • Enter your valid Card Number, Date of Birth, and Card Expiry Date then click Continue
    • Enter the correct One-Time PIN (OTP) sent to your registered mobile number with PNB Credit Card
    • Click Update Mobile Number if you want to change the mobile number saved in your PNB Mobile/Internet Banking account. Click Skip if you don’t want to update your mobile number.
      *If you maintain different mobile numbers in your deposit account and Credit Card account, you will be asked to update your mobile number.
    • Click OK if you agree to update your mobile number.
    • Your Credit Card is now successfully enrolled.
  • I don’t receive an 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 number is updated. If not, please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or send an email to pnbcreditcards@pnb.com.ph to have it updated.
  • How do I activate my card?
    You can activate your PNB Platinum Mastercard Credit Card through the following:
    • Text
      • Text PNB ACTIVATE 16-digital Credit Card number and send to 22566808
    • Call
  • How can I pay my bill?
    You can pay your 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.e BDO, Gcash)
      • BancNet online
  • How can I view my statement of account?
    It will be sent to your registered email address or you can view it on PNB Internet Banking.
  • Can I use this abroad?
    Yes. PNB Platinum Mastercard is accepted in more than 200 countries.
  • How can I pay bills in dollars?
    Statements in US Dollar can be paid in two ways:
    • Dollar Payment
      • Pay Via PNB Mobile Banking App, PNB Internet Banking, or any PNB Branch
    • Peso Payment
      • Pay via any PNB branch
  • What are the other fees and charges I need to pay?
    Type of Fees & Charges Description
    Fee
    Account Maintenance Fee
    Monthly Account Maintenance Fee or the amount equivalent to the Credit Balance, whichever is lower, shall be charged to closed Card Accounts with overpayments until the Credit Balance is zeroed out
    PHP 200 for Peso account (USD 5 for Dollar account) or the amount equivalent to the credit balance, whichever is lower
    Advance Card Renewal Request Fee
    Incurred when cardholder requests for a renewal of his/her card more than 90 days before the expiry of his/her existing card.
    PHP 750
    Card Replacement Fee
    Incurred when a card replacement is requested due to:
    • spoilage (plastic peeled off, unreadable CVC2, cracked card, wrong name embossed); or
    • change in name (from single to married and vice versa)
    PHP 400
    Cash Advance Fee
    Incurred when a cardholder makes a Cash Advance (CA) transaction on his/her Credit Card
    5% of CA amount for Peso or 2% for Dollar + transaction fee of PHP 100 (Peso) or USD 3 (Dollar)
    Certification Fee
    Incurred when a cardholder requests for a particular certificate:
    • Full Settlement of Account Good Credit Standing
    • Card Replacement Issuance
    • PHP 200
    • PHP 300
    Credit Card Rate
    Used when a US Dollar billing is paid in Peso. Charged during the sale of US Dollar notes
    Depends on Mastercard, Visa or UnionPay’s conversion rate of the day
    Finance Charge
    Imposed on the previous statement’s unpaid balance
    • 3.25% for Peso (for World MC: as low as 2.7% depending on outstanding balance)
    • 2.5% for Dollar
    Foreign Currency Transactions Service Fee
    Incurred when a cardholder makes transactions outside the Philippines (excluding US Dollar)
    2.5% of the converted amount using Mastercard/ Visa/UnionPay’s conversion rate of the day
    Late Payment Fee
    Incurred for non-payment, payment after due date, or payment below the minimum amount due
    7% (Peso) or 5% (Dollar) of unsettled minimum amount due
    Lost Card Fee
    Incurred when a replacement for a lost card is requested
    PHP 400
    Overlimit Fee
    Incurred when a cardholder’s total obligation exceeds the approved credit limit
    PHP 300 or USD 10
    Payment Processing Fee
    Incurred when monthly Credit Card payments made through various payment channels are in excess of three (3) within one (1) month.
    Payment Channels:
    • Banco De Oro
    • SM & SaveMore payment centers
    • BancNet (e.g. ATM, GCash, etc.)
    • Other Payment Channels
    PHP 40 per payment in excess of 3
    Payment Transfer Fee
    Incurred when a cardholder requests that his/her payment be transferred from his/her Peso Account to Dollar Account or vice versa
    PHP 300 or USD 10
    Refund Fee
    Incurred when a refund for overpayment is requested by a cardholder
    PHP 300 or USD 10 (credit to PNB account); PHP 500 or USD 10 plus Dollar remittance fee (credit to non-PNB account; for Dollar – remittance fee depends on amount)
    Returned Check Fee
    Incurred when a check payment was dishonored or returned by the bank for reasons such as account closed, Drawn Against Insufficient Funds (DAIF), Drawn Against Uncollected Deposit (DAUD), etc.
    PHP 1,000 for Peso account or USD 10 for Dollar account
    Sales Slip Retrieval Fee
    Incurred when a cardholder requests for retrieval of a particular sales slip to verify a transaction
    PHP 400 or USD 15 (per sales slip)
    Statement of Account (SOA) Retrieval Fee
    Incurred when a cardholder requests for a fax or mail copy of his/her old Statement of Account (beyond 3 months from current SOA)
    PHP 50 per statement
    Notes:
    1. The bank reserves the right to change the fees, charges, and rates with prior notice to the Cardholder.
    2. All fees, except for Credit Card Rate shall be charged to the cardholder’s Statement of Account. The Credit Card rate will be charged at bank level during the sale of USD Notes. Peso amounts are for Peso accounts and Dollar amounts are for Dollar accounts.
    3. The Refund Fee will be deducted from the amount to be refunded for cancelled cards.
    4. For the complete PNB Credit Cards Terms and Conditions, please click here.
About Rewards    
  • How will I know how many points I have?
    Your rewards points are included in your monthly eSOA. You may also inquire by calling the PNB Cards 24/7 Customer Service Hotline at 8818-9-818.
  • How can I convert my points to Miles?
    Fill out the Rewards Redemption Form and e-mail it to pnbcreditcards@pnb.com.ph or call the PNB Cards 24/7 Customer Service Hotline at 8818-9-818.
  • How much should I spend to get 1 point?
    • PHP 70 = 1 rewards point = 1 Mabuhay Mile
      *Redeemable in blocks of 2,000 points
    • PHP 70 = 4 rewards points = P1 Cash Credit
      *Redeemable in blocks of 500 points
    For more information, please read the PNB Credit Cards Rewards Terms and Conditions
  • How can I redeem my points?
    Fill out the Rewards Redemption Form and e-mail it to pnbcreditcards@pnb.com.ph or call the PNB Cards 24/7 Customer Service Hotline at 8818-9-818.
  • What would I do if I lost my card?
    Please immediately report your lost card to our PNB Cards 24/7 Customer Service Hotline at (+623) 8818 9818.
  • Where can I report unauthorized transactions?
    Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or download the dispute form and email it to pnbcreditcards@pnb.com.ph
  • How can I report incorrect amount/charges?
    Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or download the dispute form and email it to pnbcreditcards@pnb.com.ph

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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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