Home   >   Credit Cards   >   PNB Ze-Lo Mastercard

PNB Ze-Lo Mastercard

Experience more with less fees
With zero annual fee and low interest, you can shop, dine, and travel with zero worries and zero hassle.

Why apply for a PNB Ze-Lo Mastercard?

  • Zero annual fee for life
  • Zero late payment fees
  • Zero overlimit fees
  • Lower finance charge of 1.88%
  • Lower minimum amount due
  • Free annual fee for life for all your PNB Supplementary Credit Cards
  • Pay your bill in Peso, even for transactions abroad
  • Global and online acceptance
  • Contactless payment
Download the app

What can I do with my PNB Ze-Lo 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.
Cash Advance
Get cash up to 30% of your credit limit from BancNet and PNB ATMs nationwide.
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.
Zero % Affordable Payment Plan (ZAPP)
Experience 0% installment up to 24 months when you shop from select PNB-affiliated partner merchants.
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 do I activate my credit card?
  2. How do I apply for a supplementary credit card?
    • You can apply at any PNB branch. Online application for supplementary credit cards is currently not available.
  3. How many supplementary credit cards can I apply for?
    • Each principal credit cardholder may have up to nine (9) supplementary credit cards. All supplementary credit cards enjoy free annual fee for life.
  4. 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.
  5. How can I avail of the zero annual fee?
    • You automatically get zero annual fee for life upon successful application. No other requirements in terms of spending or usage are needed.
  6. How does the “No late payment fees” work?
    • You will not automatically be charged a late payment fee for (a) not paying or (b) paying below the minimum amount due as of your due date. Finance charge and other charges will still apply.
  7. How does “No overlimit fees” work?
    • You will not be charged for going over the credit card limit.
  8. Are there any other differences to the fees and charges of the PNB Ze-Lo Mastercard?
    • Other than those stated, standard PNB Credit Card fees and charges will apply.
      Please click here to view all applicable fees and charges.
  9. Does the PNB Ze-Lo Mastercard have Card Protect?
    • No. The PNB Ze-Lo Mastercard is not covered by Card Protect.
  10. Is the PNB Ze-Lo Mastercard included in PNB promos?
    • Yes. Unless otherwise stated in promo mechanics, the PNB Ze-Lo Mastercard is included in PNB promos and merchant discounts.
  11. I didn’t receive my monthly billing/eSOA. What do I do?
  12. How do I update my information?
  13. 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.
  14. 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?
  15. Who can I contact if ever I have questions or concerns about the credit card?
About Rewards    
  1. Does the PNB Ze-Lo Mastercard earn rewards points?
    • No, the PNB Ze-Lo Mastercard does not earn any rewards points. Please enjoy other exclusive offers such as zero annual fee for life and lower finance charge.
  1. What should I do if I lose my credit card?
  2. Where can I report unauthorized transactions?
  3. How can I report incorrect amount/charges?

P2,500 rebates with Free First Month

VIEW PROMO

Up to 10% OFF at Fully Booked

VIEW PROMO

Up to P400 OFF at Medgate

VIEW PROMO

PNB Ze-Lo Mastercard

Experience more with less fees
With zero annual fee and low interest, you can shop, dine, and travel with zero worries and zero hassle.

Why apply for a PNB Ze-Lo Mastercard?

  • Zero annual fee for life
  • Zero late payment fees
  • Zero overlimit fees
  • Lower finance charge of 1.88%
  • Lower minimum amount due
  • Free annual fee for life for all your PNB Supplementary Credit Cards
  • Pay your bill in Peso, even for transactions abroad
  • Global and online acceptance
  • Contactless payment
Download the app

What can I do with my PNB Ze-Lo 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.
  • Zero % Affordable Payment Plan (ZAPP)
    • Experience 0% installment up to 24 months when you shop from select PNB-affiliated partner merchants.
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 do I activate my credit card?
  2. How do I apply for a supplementary credit card?
    • You can apply at any PNB branch. Online application for supplementary credit cards is currently not available.
  3. How many supplementary credit cards can I apply for?
    • Each principal credit cardholder may have up to nine (9) supplementary credit cards. All supplementary credit cards enjoy free annual fee for life.
  4. 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.
  5. How can I avail of the zero annual fee?
    • You automatically get zero annual fee for life upon successful application. No other requirements in terms of spending or usage are needed.
  6. How does the “No late payment fees” work?
    • You will not automatically be charged a late payment fee for (a) not paying or (b) paying below the minimum amount due as of your due date. Finance charge and other charges will still apply.
  7. How does “No overlimit fees” work?
    • You will not be charged for going over the credit card limit.
  8. Are there any other differences to the fees and charges of the PNB Ze-Lo Mastercard?
    • Other than those stated, standard PNB Credit Card fees and charges will apply.
      Please click here to view all applicable fees and charges.
  9. Does the PNB Ze-Lo Mastercard have Card Protect?
    • No. The PNB Ze-Lo Mastercard is not covered by Card Protect.
  10. Is the PNB Ze-Lo Mastercard included in PNB promos?
    • Yes. Unless otherwise stated in promo mechanics, the PNB Ze-Lo Mastercard is included in PNB promos and merchant discounts.
  11. I didn’t receive my monthly billing/eSOA. What do I do?
  12. How do I update my information?
  13. 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.
  14. 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?
  15. Who can I contact if ever I have questions or concerns about the credit card?
About Rewards    
  1. Does the PNB Ze-Lo Mastercard earn rewards points?
    • No, the PNB Ze-Lo Mastercard does not earn any rewards points. Please enjoy other exclusive offers such as zero annual fee for life and lower finance charge.
  1. What should I do if I lose my credit card?
  2. Where can I report unauthorized transactions?
  3. How can I report incorrect amount/charges?

P2,500 rebates with Free First Month

VIEW PROMO

Up to 10% OFF at Fully Booked

VIEW PROMO

Up to P400 OFF at Medgate

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 Insurance…


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 or in…


READ MORE

purchases-you-can-do-using-your-credit-card

Things you can Upgrade using your Credit Card


Kailangan na nga ba i-upgrade ang mga gamit sa bahay? Para masigurong maayos at safe sa inyong pamilya ang mga gamit sa bahay…


READ MORE


Follow Us

                   

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).
Privacy Policy