Credit Card
PNB Essentials Mastercard
Philippine National Bank
2.76 review
Tungkol sa produktong ito
Ang PNB Essentials Mastercard mula sa Philippine National Bank ay may 3% kada buwan. Ihambing ang mga datos sa ibaba, pagkatapos ay magpatuloy sa provider kapag handa ka na.
Mahahalagang datos
- Rate
- 3% kada buwan
- Rewards
- Cash credits, miles at fee-reversal options
- Para sa
- Pang-araw-araw na rewards
- Rating
- 2.7 / 5
Mga detalye ng card
- Network
- Mastercard
- Tier
- Classic
- Best for
- Pang-araw-araw na rewards
- Billing currency
- PHP
- Availability
- Public apply
- Min. annual income
- ₱120,000
- Min. monthly income
- ₱10,000
- Principal annual fee
- ₱1,200
- Supplementary annual fee
- Wala
- Intro / first-year fee
- First taon libre
- Fee waiver
- Supplementary fee libre habambuhay
- Monthly interest rate
- 3%
- Foreign transaction fee
- 2.5%
- Cash advance fee
- ₱200 per transaction
- Base earn rate
- PNB rewards
- Bonus / cashback
- Cash credits, miles at fee-reversal options
- Cap / threshold
- Programa terms apply
- Airport lounge
- Wala
- Travel / purchase insurance
- Depende sa produkto
- Other key benefits
- Low annual fee
- Eligibility
- Principal applicants generally Filipino citizens age 21–65 with kahit paano ₱10,000 monthly income at supporting documents.
- Processing time
- Subject to PNB review
- Product page
- www.pnb.com.ph/cards
Ano ang sinasabi ng mga tao
Batay sa 6 review
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.