Credit cards
PNB Ze-Lo Mastercard
Philippine National Bank
2.76 reviews
About this product
PNB Ze-Lo 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
- No late-payment or overlimit fee
- Good for
- Low fees
- Rating
- 2.7 / 5
Card details
- Network
- Mastercard
- Tier
- No-fee
- Best for
- Low fees
- Billing currency
- PHP
- Availability
- Public apply
- Min. annual income
- ₱120,000
- Min. monthly income
- ₱10,000
- Principal annual fee
- None
- Supplementary annual fee
- None
- Intro / first-year fee
- No annual fee
- Fee waiver
- No annual fee for life
- Monthly interest rate
- 2.5%
- Foreign transaction fee
- 2.5%
- Cash advance fee
- ₱200 per transaction
- Base earn rate
- No rewards points
- Bonus / cashback
- No late-payment or overlimit fee
- Airport lounge
- None
- Travel / purchase insurance
- Not covered by Card Protect
- Other key benefits
- Lower 2.5% finance charge and lower minimum amount due
- 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.