Why PNB Credit Card Is Your Worthy Investment?

Do you need a credit card that best suits your needs? Check out this blog post for more information on the PNB credit card. PNB is among the top banks in the Philippines. It provides a wide range of credit cards with different privileges. You can surely find your ideal card and you can fully trust their services.

What Is A PNB Credit Card?

PNB Credit Cards provide the cardholder with a safe and secure way of purchasing services and products online and offline. 

The card offers you a Card Protect, which ensures you to shop within your credit limit. So, you do not have to worry about your spending! Moreover, there is plenty of flexible remuneration and promotions that are only available to you. Apply now for a flexible installment plan!

What Are The Types And Benefits Of Each PNB Credit Cards?

PNB provides clients with many credit card options with a variety of different benefits.

PNB Card Mastercard

You can get your virtual credit card in seconds, enjoy all the services from this card, including Purchase Protection Insurance, without paying any additional fees. This PNB Cart Mastercard also comes with unique promotions.

For added convenience, the bank has made online and global recognition available as well. You can even use Peso for any international payment.

PNB Platinum Mastercard

With this card, you can get bonus points for Mabuhay Miles and Cash Credits. You do not have to worry about safety with Card Protect. Furthermore, there is no annual cost for any of the Supplementary Credit Card you have.

PNB Platinum Mastercard

It also guarantees worldwide and digital approval to pay your purchase in Peso! You can make a payment without cash or even only by swiping your card.

See also: Metrobank Credit Card – The Right Offer For You

PNB Ze-Lo Mastercard

As an upgrade of the PNB Platinum Mastercard, you will have all the benefits above, plus special privileges!

PNB Ze-Lo Mastercard

You do not have to pay any late payment charge or over-limit cost. Moreover, the bank only charges you a low minimum payment and finance fee (about 1.88 percent).

PNB-PAL Mabuhay Miles NOW Mastercard

Apply now for a welcome gift of one thousand Mabuhay Miles and no annual cost for the first three years! 

PNB-PAL Mabuhay Miles MasterCard

After that, you can enjoy all the perks of the PNB Platinum Mastercard and other privileges. These include an exclusive PAL online discount all year long and a low-rate Mabuhay Miles rewards point system of one point equal to one mile.

PNB-PAL Mabuhay Miles Platinum/World Mastercard

This enhancement of the PAL Mabuhay Miles Mastercard allows you to enjoy all previous benefits with an increase of 1,000 more Mabuhay Miles in your welcome gift!

Although you still have to pay the annual fee for the first three years, you will have an extra 10 thousand Mabuhay Miles to spend at PAL!

PNB Diamond UnionPay

You will receive all the advantages of PNB Platinum Mastercard extra travel benefits, including discount and World Assist.

PNB Diamond UnionPay

Particularly, World Assist is a premium service for healthcare and travel needs. UnionPay TravelMate Asia associate merchants offer the PNB Diamond UnionPay cardholder many attractive benefits and savings.

See also: HSBC Credit Card – A Financial Option For You

PNB Visa Classic/Gold

This card is a great choice if you want to use it anywhere in the world and still use your Filipino currency. A 1% interest return on your revolving balance and approval on a global and online scale are all available for you.

You can enjoy a competitive rewards program, low annual fees, and secure transactions. In addition to this great offer, the Bank has also thrown in free lifetime membership for all your PNB Supplementary Credit Cards! 

PNB Visa Gold

What is more? You can purchase without cash or even swipe-less.

What Are The Eligibility Criteria For PNB Credit Card Application?

According to the eligibility requirements, if you want to apply for a PNB credit card, you must be:

• Between the ages of 21 and 65.
• A Filipino resident.
• A regular worker for equal or more than one year at the organization. If you are self-employed, your business must have been profitable for equal to or more than two years.
• Have a minimum of ₱120 thousand in gross annual revenue.

What Are The Documentary Requirements For PNB Credit Card Application?

If you want to apply online, make sure that all necessary documents are compiled into a single PDF. The bank also requires a clear selfie of you holding your official ID.

If you are a regular worker, you need:

• One of the following documents: ITR, the number of your principal credit card valid for at least one year, a recent one-month pay stub, or Certificate of Employment (showing Date Hired, Gross Income, and Position).
• Proof Of identity with the signature from the government. For example, Company ID, driver’s license, UMID, passport, SSS, or TIN (Ecard only)).
• Billing evidence (if you are a non-depositor), including Credit Card Statement of Account or utility Bills, such as telephone, electricity, and so on.

* PNB does not require the card users with lock deposits to provide the papers above.

If you are self-employed, you need:

• The most recent Audited Financial Statement and ITR with BIR Stamp.
• Proof Of identity with the signature from the government. For example, Company ID, driver’s license, UMID, passport, SSS, or TIN (Ecard only)).
• Billing evidence (if you are a non-depositor), including Credit Card Statement of Account or utility Bills, such as telephone, electricity, and so on.

* PNB does not require the card users with lock deposits to provide the papers above.

If you are a foreigner, you also have to provide either an A or B set of documents.

Set A contains Alien Certificate of Residence (ACR), passport, and billing evidence (for non-depositors and non-carded), including Credit Card Statement of Account or utility Bills, such as telephone, electricity, and so on. Besides, you must submit one of the documents below:

• An identification card by the government.
• ID for a Social Security Number (SSN).
• ID from the Internal Revenue Service (IRS).
• A valid driver’s license.
• A company ID of private businesses or institutions under the monitor or control of the IC, SEC, or BSP.

Set B contains a passport, a valid Special Resident Retiree’s Visa (SRRV) or Philippine Retirement Authority ID (PRA), and billing evidence (for non-depositors and non-carded), including Credit Card Statement of Account or utility Bills, such as telephone, electricity, and so on. Besides, you must submit one of the documents below:

• Certificate of Deposit from the Bank where you deposit your PRA/Visa.
• Immigration Approved Order by Bureau.

See also: EastWest Credit Card – Why You Should Have One

3 Steps To Apply For A PNB Credit Card

Follow these three easy steps to apply for a PNB credit card:

Step 1: Determine whether you are eligible for the application.

Step 2: If you meet the Bank’s qualifying conditions, gather the necessary documents mentioned in the previous part.

Step 3: Go to any PNB branch near you.

Remember to take your documents along. The bank staff will hand your an application form first, which you can also download here.

How Can I Pay My Bill Via PBN Credit Card?

You can complete the payment of your PNB Credit Card using any of the methods below:

Through PNB:

• Remittance Centers and Foreign Offices.
• PNB offices and ATMs.
• PNB Netbanking.
• PNB Mobile App.
• Setting up an automatic withdrawal using a PNB Checking/Savings Account.

Other methods:

• Online banking from BancNet.
• ATMs of BancNet members.
• Internet/Mobile Banking from supporting BanNet members, including GCash and PNB.
• Savemore payment stations and SM around the country.

It would be best if you were mindful of the things below:

• Through PNB systems, the payments will appear on your account around 1-2 business days following the settlement date.
• The payments will appear on your account between 2-4 business days following the payment date through other methods.
• PNB will need three more business days to verify your payments.
• Only internet banking, PNB branches, mobile banking, and ADA accept dollar payments. To make a payment through internet banking, mobile banking, and ADA, you’ll need a PNB deposit account in USD.
• To make an online payment, choose “PNB Credit Cards” as the invoice.

Final Thoughts

The PNB credit card is a great option that can offer you flexible payment options and give you more spending power. Whether it’s the personal, business, or platinum edition of this card, all are worth considering to help streamline your finances with less hassle. 

The requirements are clear, and the application is simple. Apply now!

See also: Citibank Credit Card – Why Should You Choose It