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PNB Essentials MasterCard

It's free of charge!
Balance Transfer Interest Rate Annual Membership Fee


18 Months



First year waived



P50 Spent = 1 point

Can use points as cash credits e.g. P1 Cash Credit (5 points) Points have 5 year expiration

P50 Spent = 1 mile

Mabuhay Miles Free travel insurance up to P10M coverage Miles valid for 5 years


Minimum Annual income ₱ 160000
Minimum age for principal holder At least 21 years old years of age
Min. age for supplementory holder 16 years old years and above

Fees and Charges

Annual Fee ₱ 1200
Fee for supplementary holder ₱ 600
Interest Rate 3.25% per month
Late payment charge 300 pesos
Cash advance limit 30% of credit card limit of credit limit
Cash advance handling fee 5% of the amount withdrawn
Cash advance interest charge 3.25%
Overseas spending fee 2%
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