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PNB · Visa

Alturas Visa

Why pick it: 10% off rooms at South Palms Resort Panglao

Bohol Alturas Group co-brand: 1 point per ₱70 (1:1 Mabuhay Miles), free A1 Loyalty membership, 10% off South Palms Resort Panglao.

Score
41 /100
Status
Limited eligibility
Annual fee
₱1,200
#45 of all 170 scored cards
GET IT IF…Honest take

Bohol resort perks ang selling point nito. Kung bihira kang pumunta doon, ordinary card lang ito.

Bottom line: Madalas ka ba sa Bohol? Okay ito. Kung hindi, ibang card na lang.

Read the full take: the math, what's good, what hurts

Para sa typical household (~₱825k a year), makukuha mo ~₱6,500 pabalik at ~₱0 sa travel value, pagkatapos ng 2.50% sa foreign purchases (galing sa fees PDF). Miles ang basehan namin sa pag-value ng points. Ang annual fee ay ₱1,200; bahala ang bank kung i-waive nila ito kapag hiningi mo. The free first year isn't counted in our computation. It is left out of the open-card ranking, kasi limited ang pwedeng mag-apply, galing sa data. Score nito: 41.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • Libre ang Alturas A1 Loyalty membership.
  • 10% off sa rooms ng South Palms Resort Panglao (based on the published rate), plus free Buko Pandan sa The Prawn Farm Grill & Seafood kapag ₱1,000 ang single-receipt spend.
  • Up to ₱3M ang travel insurance kapag sa card mo siningil ang buong roundtrip ticket, at up to ₱250k a year ang fraud transaction insurance.

What's bad

  • ₱70 = 1 point lang, at blocks ng 2,000 points ang redemption.
  • Walang lounge na nakalista sa page.
  • Sa Alturas Group properties sa Bohol lang ang perks na nakalista sa page.

The catch: Ang annual fee ay hindi nakasulat sa product page; nasa Fees & Charges PDF ng PNB ito. Wala rin sa page ang income (₱600,000 a year, galing sa data) at rewards cap. Manipis ang source namin dito, kaya mag-verify ka sa bank.

Rechecked on the bank page on 2026-10-25. Not on the page: annual fee (product page itself; it is in the linked PDF); minimum income; fee waiver terms; rewards caps; lounge access. Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about ₱6,500 in rewards, before the ₱1,200 annual fee (on request; the bank decides)
To qualify:
₱600,000 a year income (limited eligibility)
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value24 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend14 / 37

      About ₱6,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers16 / 16

      A ₱1,200 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend2 / 10

      Under ₱250 of travel value on one trip abroad a year, after the 2.50% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. How the bars work

  • Promos and 0% installments4 / 15

    0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 15 live promos tracked. How it is scored

  • Points flexibility8 / 10

    1 airline partner, and points that do not expire. How it is scored

  • Credit limit and upgrade path3 / 5

    No standard card level. The score also reflects how PNB handles credit limit increases and card upgrades. How it is scored

  • App and service2 / 5

    Banking app: basic. Service: about typical. How it is scored

  • Late fee1 / 2

    A late fee of ₱1,000 for one missed payment. How it is scored

On the default spend: about ₱6,500 a year in rewards and ₱0 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod55 AOct 2455 AOct 2640 BOct 2740 BNov 240 BNov 440 BNov 940 BNov 1041 BNov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱1,200
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
2.50%
Minimum income
₱600,000 a year

Rewards

1 point per ₱70. Alturas Group perks in Bohol: free A1 Loyalty membership and 10% off South Palms Resort Panglao.

Caps: ₱1,143 per month (groceries); ₱571 per month (fuel); ₱286 per month (drugstores)

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
Up to ₱3,000,000, covers family

Watch out for

  • Rewards on drugstores capped at ₱286 a month

Live and upcoming promos (15)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 10 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official PNB card page ↗