See types of PNB credit cards
Not all credit cards are the same. Some offer rewards. Some offer savings. Some focus on travel, while others are built for everyday use. That’s why choosing the right card matters.
When it comes to PNB credit cards, the options are clear, diverse, and designed to match different lifestyles and financial goals.
Whether you’re a first-time applicant, a frequent flyer, or a smart spender, there’s a PNB credit card that fits you.
Let’s explore the most popular types—what they offer, who they’re for, and how they can benefit your daily spending.
🟢 PNB Classic Credit Card – Reliable and Accessible
The PNB Classic Credit Card is often the starting point for new cardholders. It’s basic, but not boring. It offers simplicity, flexibility, and access to essential credit features.
Who It’s For:
- First-time credit card users
- Young professionals
- Budget-conscious individuals
Benefits:
- Low income requirement
- Worldwide acceptance
- Earn points on regular spending
- Simple approval process
If you’re looking to build your credit history or want a practical, no-frills credit card, this is a great place to start.
🔵 PNB Gold Credit Card – More Rewards, More Recognition
For those looking for more perks and a higher limit, the PNB Gold is the next step up.
Who It’s For:
- Mid-income earners
- Employees with stable jobs
- Responsible card users upgrading from Classic
Benefits:
- Higher credit limit
- Faster reward point accumulation
- Access to exclusive promotions
- Supplementary cards for family
Gold gives you just enough prestige without the high cost, striking a balance between benefits and affordability.
🟣 PNB Platinum Credit Card – Premium Experience, Powerful Perks
If you’re ready to experience elevated credit card benefits, the PNB Platinum Credit Card delivers.
Who It’s For:
- Professionals with higher income
- Executives or entrepreneurs
- Regular international travelers
Benefits:
- Higher cashback and reward caps
- Travel insurance and purchase protection
- Airport lounge access (for select cards)
- Access to premium lifestyle promos
It’s not just about status—it’s about convenience, security, and reward acceleration.
✈️ PNB Mabuhay Miles Credit Cards – Travel Farther, Spend Smarter
Frequent flyer? OFW? Business traveler? The PNB Mabuhay Miles Series is tailor-made for those who love to explore or need to fly often.
Available in PNB Mabuhay Miles Standard, Platinum, and World Mastercard versions, these cards are designed to accumulate miles fast.
Who It’s For:
- PAL frequent flyers
- Travel enthusiasts
- Professionals traveling for work
Benefits:
- Earn Mabuhay Miles with every ₱ spend
- Free travel insurance coverage
- Access to PAL exclusive promos
- Miles conversion is seamless
If your wallet isn’t earning miles, it’s missing out.
💼 PNB Ze-Lo Mastercard – Zero Fees, Zero Hassle
One of PNB’s most cost-effective cards, the Ze-Lo Mastercard is ideal for people who want credit but don’t want high fees.
Who It’s For:
- Practical spenders
- Budgeters
- Low-maintenance cardholders
Benefits:
- No annual fee (lifetime waiver upon conditions)
- Low interest rate
- Installment options for big purchases
- Earn points while saving on fees
Why pay for features you don’t use? Ze-Lo strips away the extras and leaves only the essentials.
🛍️ PNB Essentials and Lifestyle Cards – Made for Daily Living
Some PNB cards focus on everyday shopping, fuel, and bills, offering practical rewards where it matters most.
Examples:
- PNB Essentials Credit Card
- PNB Prepaid or Debit-Linked Cards
Who It’s For:
- Busy families
- Urban commuters
- Online shoppers
Benefits:
- Discounts on groceries, fuel, and utilities
- High reward earning rates on lifestyle categories
- Fast-track to rebates and promos
They’re made to blend into your routine while maximizing your savings.
✅ Three Things to Consider When Choosing a PNB Credit Card
- 💡 Purpose – Do you want to earn rewards, travel more, or save on fees?
- 🧾 Income – Choose a card that fits your salary range to improve approval chances.
- ✈️ Lifestyle – Match the card’s perks to your actual habits (don’t pay for what you won’t use).
🤝 Supplementary and Business Cards
PNB also offers supplementary cards that allow you to extend your credit privileges to family members—while keeping the spending in check.
They also provide business credit cards with tools for small business owners and entrepreneurs.
These cards help with:
- 💼 Expense tracking
- 🧾 Consolidated billing
- 📊 Financial control for team members
📲 Easy Application, Fast Approval
No matter which card you choose, the application process is simple. You’ll typically need:
- A valid ID
- Proof of income
- Billing address
- TIN and employment details
You can apply via:
- PNB branches
- Partner merchant kiosks
- Online forms (for select cards)
Within days, you’ll receive your status—and if approved, your card arrives ready to use.
🤔 Frequently Asked Questions (FAQ)
What is the best PNB credit card for beginners?
The Classic or Ze-Lo cards are ideal for first-time users because of their low income requirements and simpler features.
Can I upgrade my PNB credit card later?
Yes. If you build a good payment history, you can request an upgrade to a higher-tier card.
Which card earns travel miles fastest?
The PNB Mabuhay Miles World Mastercard earns miles faster and includes travel-related perks.
Are there annual fees for all cards?
Some cards waive annual fees permanently upon certain conditions. Others, like Platinum cards, have higher fees but offer premium benefits.
What card should I get if I only spend on groceries and bills?
Consider the PNB Essentials or Ze-Lo Mastercard—these focus on practical, everyday rewards.