Credit cards
PNB World Elite Mastercard
Philippine National Bank
2.76 reviews
About this product
PNB World Elite Mastercard 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
- World Elite and PAL premium benefits
- Good for
- Ultra-premium PAL travel
- Rating
- 2.7 / 5
Card details
- Network
- Mastercard
- Tier
- World Elite
- Best for
- Ultra-premium PAL travel
- Billing currency
- PHP
- Availability
- Public/qualified high-income
- Principal annual fee
- ₱50,000
- Supplementary annual fee
- ₱25,000
- Intro / first-year fee
- First year free per application form; confirm eligibility
- Fee waiver
- Rewards redemption may reverse fee
- Monthly interest rate
- 3%
- Foreign transaction fee
- 2.5%
- Cash advance fee
- ₱200 per transaction
- Base earn rate
- 1 rewards point converts to 1 Mabuhay Mile
- Bonus / cashback
- World Elite and PAL premium benefits
- Cap / threshold
- Program terms apply
- Airport lounge
- Premium lounge access
- Travel / purchase insurance
- Premium travel and purchase protection
- Other key benefits
- Metal card; replacement fee ₱17,500
- 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.