Cart MC
Classic
PNB · Mastercard · Classic
Cart MC
Why pick it: Free-for-life virtual card for online shopping
Virtual-only online-shopping Mastercard: no annual fee for life, fast issuance, no rewards, no cash advance or supplementary cards.
- Score
- 10 /100
- Rank
- #119 of 123
- Annual fee
- Free for life
Virtual card ito para sa online shopping. Libre ito, pero wala sa page ang rewards.
Bottom line: Libreng virtual card lang ba ang kailangan mo para sa online? Okay ito. Kung rewards ang gusto mo, skip.
Read the full take: the math, what's good, what hurts
Libre itong hawakan (₱0 a year), pero ang typical household (~₱825k a year) ay nasa ~-₱500 sa return at ~-₱1,500 sa travel side, both negative once the 2.50% foreign charge from the fees PDF applies. Sa 10 na score, napunta ito sa #119 sa 123 cards.
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
- Free for life ang annual fee.
- Virtual card ito at mabilis ang issuance, para sa online shopping.
- Libre ang purchase protection hanggang ₱250k a year at ang fraud transaction insurance.
- Hanggang ₱1M ang libreng travel insurance kapag sa card ichinarge ang buong roundtrip ticket (land, air o sea).
What's bad
- Hindi lumalabas sa page ang points o cashback, at excluded ang card sa Rewards Program ayon sa data.
- Virtual lang ang card. Ayon sa data, walang cash advance o supplementary card, at walang cash advance section ang page.
- Foreign spend: 2.50% ang singil, per the fees PDF.
The catch: Ang ₱120,000 a year na income ay galing sa data, at hindi sinasabi ng page kung ano ang 'exclusive promos'. Manipis ang source namin dito, kaya kumpirmahin sa bank ang mga detalye.
Rechecked on the bank page on 2026-10-25. Not on the page: rewards program; minimum income; supplementary card; which promos are exclusive. 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 −₱2,000 in rewards (−₱500) and travel value (−₱1,500), before the card's fees (no annual fee)
- To qualify:
- ₱120,000 a year income
- Bank service:
- About typical.
Score breakdown, fees, rewards and perks
Score breakdown
#119 of 123 cards open to new applicants, and #166 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value2 / 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 spend0 / 37
No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers16 / 16
No annual fee. How the bars work
- Travel and perks on the default spend1 / 10
About −₱1,500 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 12 live promos tracked. How it is scored
- Points flexibility0 / 10
No rewards, so nothing to redeem. How it is scored
- Credit limit and upgrade path2 / 5
Classic card level, plus 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 −₱500 a year in rewards and −₱1,500 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- 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
- Free for life
- Supplementary fee
- ₱0
- Fee waiver
- No annual fee
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱120,000 a year
Rewards
No points. A fast virtual credit card with Cart-only promos.
- Type
- Points
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱1,000,000, covers family
Strengths
- No annual fee for life
Live and upcoming promos (12)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- PNBEnds Dec 31, 2026All PNB credit cards
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- PNBEnds Nov 12, 2026All PNB credit cards
- PNBOngoingAll PNB credit cards
- PNBEnds Dec 31, 2026All PNB credit cards
Show 7 more
- PNBEnds Dec 31, 2026All PNB credit cards
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- Karat World: 50% off gold and diamond pieces plus 0% for up to 12 months with PNB credit cardsScore 58PNBEnds Jan 3, 2027All PNB credit cards
- PNBEnds Oct 19, 2027All PNB credit cards
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
- PNBEnds Oct 25, 2027All PNB credit cards
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.