Credit cards
PNB Visa Gold
Philippine National Bank
2.76 reviews
About this product
PNB Visa Gold from Philippine National Bank offers 3% per month. Compare the facts below, then continue to the provider when you're ready.
Key facts
- Rate
- 3% per month
- Rewards
- Visa Gold privileges
- Good for
- Rewards and travel
- Rating
- 2.7 / 5
Card details
- Network
- Visa
- Tier
- Gold
- Best for
- Rewards and travel
- Billing currency
- PHP
- Availability
- Public apply
- Min. annual income
- ₱600,000
- Min. monthly income
- ₱50,000
- Principal annual fee
- ₱600
- Supplementary annual fee
- None
- Intro / first-year fee
- First year free
- Fee waiver
- Supplementary fee free for life
- Monthly interest rate
- 3%
- Foreign transaction fee
- 2.5%
- Cash advance fee
- ₱200 per transaction
- Base earn rate
- PNB rewards
- Bonus / cashback
- Visa Gold privileges
- Cap / threshold
- Program terms apply
- Travel / purchase insurance
- Travel insurance up to ₱1M
- Other key benefits
- Low annual fee
- Eligibility
- Principal applicants generally Filipino citizens age 21–65 with at least ₱10,000 monthly income and supporting documents.
- Processing time
- Subject to PNB review
- Product page
- www.pnb.com.ph/cards
What people say
Based on 6 reviews
UN
Unknown
12 Jul 2026
Fast release, clear terms
Applied online and got approved in two days. The rate matched what was advertised — no surprise fees. Staff answered all my questions.
UN
Unknown
3 Jul 2026
Good but paperwork heavy
Rates are competitive and the app is decent. Took a while to gather all the documents, but support was patient with an OFW like me.
UN
Unknown
28 Jun 2026
Reliable for repeat borrowers
Second time borrowing here. Renewal was smooth and the monthly amortization is exactly as computed on Finsyal.