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Illustration, not the bank's artwork.

PNB · Mastercard · Classic

Essentials MC

Why pick it: 1 point per ₱70, up to ₱1M ticket insurance

Entry PNB points card: 1 point per ₱70, convertible 1:1 to Mabuhay Miles or to cash credit; ₱1,200 annual fee.

Score
40 /100
Rank
#35 of 123
Annual fee
₱1,200
Solid B
GET IT IF…Honest take

Entry card ng PNB. Mababa ang requirement sa data, pero hindi ka nito ma-wow.

Bottom line: Ito ba ang first card mo at gusto mo ang PNB? Okay ito. Kapag may record ka na, lipat sa card na mas mataas ang earn.

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

Sa typical household (~₱825k a year), ~₱6,500 ang return at ~₱0 ang travel side pagkatapos ng foreign fee (2.50%, from the fees PDF). Sarili naming estimate ang return; binibilang ang points bilang miles. ₱1,200 ang annual fee; maaari kang humingi ng waiver, at sa bank ang final say, galing sa data. Hindi counted sa data ang free first year sa fees PDF. Sa open list, #35 ito mula sa 123; 40 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

  • Mababa ang income requirement: ₱120,000 a year, galing sa data.
  • ₱70 = 1 point, pwedeng i-convert sa Mabuhay Miles o cash credit.
  • Hanggang ₱1M ang travel insurance kapag naka-charge sa card ang buong roundtrip ticket.

What's bad

  • Walang earn ang utility bills, casino at installment conversions, galing sa data at hindi nakalista sa page.
  • Mahina ang cash credit: 4 points = ₱1.
  • 2.50% ang foreign fee, per the fees PDF, at walang lounge na nakalista sa page.

The catch: Wala sa product page ang annual fee; nasa Fees & Charges PDF ng PNB ang ₱1,200. Wala rin sa page ang income at rewards cap; mula sa data ang mga ito.

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; exclusions on earn (our data); 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:
₱120,000 a year income
Bank service:
About typical.

Who can apply

Age:
21 to 65.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#35 of 123 cards open to new applicants, and #49 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • 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 14 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 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 ₱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.

methodmethodmethodmethod54 AOct 2454 AOct 2639 BOct 2740 BNov 240 BNov 440 BNov 940 BNov 1040 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
₱120,000 a year

Rewards

1 point per ₱70. Utility bills, casino and installment conversions earn nothing.

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 ₱1,000,000, covers family

Watch out for

  • Rewards on drugstores capped at ₱286 a month

Live and upcoming promos (14)

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

Show 9 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 ↗