Cashback Titanium MC
Titanium
PNB · Mastercard · Titanium
Cashback Titanium MC
Why pick it: 8% on a quarterly category, 3% dining and online
Rotating cashback card: 8% on a quarterly category (Q4: department stores), 3% dining and select online, 0.2% elsewhere; ₱1,250 cycle cap.
- Score
- 36 /100
- Rank
- #41 of 123
- Annual fee
- ₱2,500
8% sa rotating category, pero 0.2% lang ang earn sa spend na labas sa categories.
Bottom line: Kaya mo bang i-time ang malaking spend mo sa category ng quarter? Pwede itong gumana. Kung hassle-free ang gusto mo, mas bagay ang flat-earn card.
Read the full take: the math, what's good, what hurts
Sa typical household (~₱825k a year), ~₱6,500 ang cashback, pero negative ang travel value (~-₱1,000) dahil sa foreign fee (2.50%). Annual fee: ₱2,500; puwede kang mag-request ng waiver, bahala ang bank sa bawat request, galing sa data. Hindi malinaw kung sakop ng free-first-year footnote ang card na ito, kaya hindi namin isinama. Sa open list, #41 ito mula sa 123; 36 ang score.
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
- 8% cashback sa category ng quarter: Wellness (Jan-Mar), Leisure (Apr-Jun), Homecare (Jul-Sep), Retail (Oct-Dec).
- 3% sa dining at online spend buong taon, walang minimum spend, per the page.
- Travel insurance up to ₱3M kapag sa card na-charge ang buong roundtrip ticket, plus e-commerce purchase protection up to USD 200.
What's bad
- 0.2% lang ang earn sa all other spend, kaya halos wala kang kikitain sa labas ng category.
- Piling merchant categories (MCC) lang ang counted, at tulad ng MCC 5399 ang sumasakop sa online, galing sa data.
- Capped ang cashback sa ₱1,250 a month, galing sa data.
The catch: Sabi ng page, up to ₱15,000 a year ang savings, pero upper limit lang iyon; mas mababa ang ~₱6,500 namin. Nasa Fees & Charges PDF ng PNB lang ang annual fee (₱2,500), at wala sa page ang income (₱120,000 a year, galing sa data) at ang monthly cap.
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; monthly cashback cap; merchant category (MCC) limits on 8% and 3%; 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 ₱5,500 in rewards (₱6,500) and travel value (−₱1,000), before the ₱2,500 annual fee (on request; the bank decides)
- To qualify:
- ₱120,000 a year income
- Bank service:
- About typical.
Score breakdown, fees, rewards and perks
Score breakdown
#41 of 123 cards open to new applicants, and #59 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value21 / 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 ₱2,500 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend1 / 10
About −₱1,000 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 14 live promos tracked. How it is scored
- Points flexibility6 / 10
Cashback is simple to use but cannot move to an airline. How it is scored
- Credit limit and upgrade path4 / 5
Titanium 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 ₱6,500 a year in rewards and −₱1,000 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
- ₱2,500
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱120,000 a year
Rewards
8% cash back on a category that rotates each quarter: wellness (Jan to Mar), leisure (Apr to Jun), home care (Jul to Sep) and department stores (Oct to Dec). 3% on dining and online all year, 0.2% on the rest. No minimum spend.
Caps: ₱1,250 per month (all)
- Type
- Cashback
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱3,000,000, covers family
Watch out for
- Rewards capped at ₱1,250 a month
- Earns little outside its bonus categories
Live and upcoming promos (14)
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
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- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
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- PNBEnds Oct 19, 2027All PNB credit cards
- 110 Years. 110 Winners: PNB Mastercard Q4 2026 spend raffle, up to P1.1M PAL eGC for top spenderScore 54PNBEnds Dec 31, 2026Register first9 PNB cards: Ze-Lo MC, Essentials MC, Platinum MC…
- 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.