When it comes to banking, no one can question the reputation of the Philippine National Bank (PNB). After all, it’s the country’s first universal bank. [1] Its trustworthiness and credibility are backed by around 107 years of existence. A bank wouldn’t last this long in the business if it didn’t have high-quality and reliable services.
PNB is not just known for its commercial and personal banking capabilities. It also offers a robust range of credit cards for consumers and corporate clients.
The cards also offer a slew of distinct features. One is Transaction Conversion, which converts straight payments into low-interest installments. Another is the Zero % Affordable Payment Plan (ZAPP), which provides cardholders with 0% installment plans of up to 24 months if they shop at PNB-accredited merchants.
Want to know how to apply for a PNB credit card? Check out this guide.
You’ll be glad to know that PNB credit card application isn’t complicated. The requirements are relatively simple, and the process is quick and straightforward.
Here are the things you need to do:
First, see if you’re eligible to apply for a PNB credit card. Here are the general requirements every applicant must fulfill:
Once you’ve confirmed that you’re eligible for a PNB credit card, check each of them below to find one that suits your repayment capacity and lifestyle.
Features and benefits:
Fees and charges:
Features and benefits:
Fees and charges:
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Features and benefits:
Fees and charges:
Features and benefits:
Fees and charges:
Features and benefits:
Fees and charges:
Features and benefits:
Fees and charges:
Features and benefits:
Fees and charges:
Features and benefits:
Fees and charges:
Features and benefits:
Fees and charges:
Found the perfect PNB credit card? Gather all the documentary requirements to kickstart the actual application process.
Here’s what you need to collate:
Nevertheless, foreign applicants may also submit the following in the absence of some important documents above:
Put copies of all the requirements for your PNB credit card application inside an envelope or folder. Don’t forget to bring the original copies too. Then go to your nearest PNB branch to submit them.
You may also file your PNB credit card application online. Just visit the credit card application portal, [3] fill out the forms, and follow the prompts and instructions.
How to check your PNB credit card application status? You can follow up through the following channels:
You can use your new credit card only after its activation. Here are two ways to activate your PNB credit card:
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Now that you know how to apply for a PNB credit card, here’s some additional information that can help you as a credit card holder:
This will depend on a variety of factors. The bank may look into your experience with credit cards, repayment history, etc.
If you're a first-time credit card user, expect the bank to give you a low credit limit. Nevertheless, this may increase if you pay your dues on time.
PNB has multiple payment facilities where you can settle your credit card bills. Here are some of them:
Every principal credit cardholder can have up to nine supplementary cards. Keep in mind that all supplementary cards don’t have annual fees for life.
To apply for a supplementary card, go to any PNB branch. Online application for supplementary cards is not available at the moment.
Other than the annual fees, interest, and late payments, cardholders will have to cover to following:
You can find the complete list of PNB credit card fees on the website. [4]
If you need to update some of your credit card details, you’ll need to call the bank’s 24/7 hotline at (+632) 8818-9818. Alternatively, you may fill out a Cardholder Request Form [5] and send it via email to pnbcreditcards@pnb.com.ph.
While you’re at it, make sure that your email address, mobile number, TIN, SSS/GSIS number, and other information are accurate and up to date. You should also submit your latest ITR.
Check first if your registered mobile number is updated. If it’s not updated, contact PNB’s 24/7 customer hotline at (+632) 8818-9818. You may also send a duly accomplished Cardholder Request Form to pnbcreditcards@pnb.com.ph.
No. Only select credit cards can earn rewards points. However, credit cards that don’t earn points may come with other perks such as rebates and zero annual fees for life.
Your points are recorded in your monthly statement of account. Remember, though, that these recorded rewards points are as of your statement date only. You may also call PNB’s 24/7 hotline at (+632) 8818-9818 to find out the number of points that you’ve earned.
You have two options to do just that. First is to call the bank’s 24/7 hotline (+632) 8818-9818. The second route is to send a Rewards Redemption Form [6] to pnbcreditcards@pnb.com.ph.
If you’re claiming your Mabuhay Miles, keep in mind that the bank will ask you for your Mabuhay Miles number. See to it that your details with PNB and Mabuhay Miles, Inc. match to avoid any inconveniences. To get your Mabuhay Miles number, just register through www.mabuhaymiles.com or the official Mabuhay Miles app.
Report your lost credit card as soon as possible via the bank’s 24/7 hotline at (+632) 8818-9818 or the toll-free number at 1800-10-818-9818.
Note you’ll be held accountable for the transactions made prior to the reporting of the lost card. This won’t be the case if you enroll your credit card for Fraud Transaction Insurance, which covers 12 hours before the reporting of the lost card.
Report unauthorized credit card transactions via PNB’s 24/7 hotline at (+632) 8818-9818 or the toll-free number at 1800-10-818-9818. You may also fill out a Dispute Form [7] and email it to pnbcreditcards@pnb.com.ph.
The same procedure applies to reporting incorrect amounts and charges.
First, check if your registered email address is updated. If it’s not updated, get in touch with PNB’s 24/7 customer hotline at (+632) 8818-9818. If you prefer to correspond via email, send a duly accomplished Cardholder Request Form to pnbcreditcards@pnb.com.ph.
PNB offers some of the most enticing credit cards in the market today, especially for those who love to travel. Also, first-time credit card users can benefit from cards without annual fees and large monthly income requirements.
The process of how to apply for a PNB credit card is easy, as you’ve seen in this guide. The requirements are relatively straightforward. Plus, you have two channels through which you can course your application: offline and online.
Not all credit cards are created equal. The right card will unlock big savings and exciting privileges. If you want to find the PNB card that suits your lifestyle, compare your options carefully through the table below:
PNB Ze-Lo Mastercard
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Sources:
Jay is a marketing communications professional who specializes in short-form and long-form content. He has written ads for TV, radio, print, and digital. He has also produced corporate blogs, magazine features, white papers, product listings, reviews, and press releases for clients here and abroad. When he’s not writing, Jay plays the piano or takes pictures for his visual diary. Follow Jay on LinkedIn.
