JCB Platinum
Platinum
PNB · JCB · Platinum
JCB Platinum
Why pick it: Up to 14 lounge visits, extra points in Japan
JCB Platinum for Japan travel: 1 point per ₱70 (₱40 in Japan or JPY), cash credit only, no miles.
- Score
- 21 /100
- Rank
- #94 of 123
- Annual fee
- ₱3,000
Hanggang 14 lounge visits at extra points sa Japan, pero mahina sa everyday spend.
Bottom line: Madalas ka ba sa Japan? Bagay itong second card.
Read the full take: the math, what's good, what hurts
Ayon sa Fees & Charges PDF ng PNB, ₱3,000 ang annual membership fee. Kung hihilingin mo ang waiver, ang bank ang magpapasya (galing sa data). Ang everyday spend ng typical household (~₱825k a year) ay nagbibigay lang ng ~₱1,500, habang ~₱0 ang natitira sa travel pagkatapos ng foreign transaction fee (2.50%, mula sa fees PDF). Nakakuha ito ng 21, kaya #94 ang puwesto 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
- 8 free lounge visits sa piling lounges worldwide via LoungeKey, plus 6 sa Japan at Hawaii.
- ₱40 = 1 point sa Japan o JPY transactions.
- Libre ang access sa JCB Lounge sa Universal Studios Japan.
What's bad
- ₱70 = 1 point sa ibang spend. Galing sa data na cash credit lang ang puwedeng i-redeem, at hindi ito eligible sa Mabuhay Miles.
- Kakaunti ang tumatanggap ng JCB, galing sa data.
- Ang eligible online single-receipt purchases na ₱30,000 pataas ay auto-converted sa 3-month installment, walang add-on rate pero may one-time ₱300 processing fee.
The catch: Up to 14 lounge visits kada taon ang nasa page, at 14 na ang binibilang ng data. Ang annual fee ay wala sa product page, pero ₱3,000 ang nakalista para sa JCB Platinum sa Fees & Charges PDF, at kinukumpirma ito ng rewards T&C PDF. Ang income (₱600,000 a year) ay wala rin sa page; galing ito sa data. Kumpirmahin sa bank ang fee at lounge conditions.
Rechecked on the bank page on 2026-10-25. Not on the page: annual fee on the product page itself (it is in the fees PDF); minimum income; fee waiver terms; rewards caps; miles conversion eligibility; JCB acceptance level (our data). 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 ₱1,500 in rewards, before the ₱3,000 annual fee (on request; the bank decides)
- To qualify:
- ₱600,000 a year income
- Bank service:
- About typical.
Score breakdown, fees, rewards and perks
Score breakdown
#94 of 123 cards open to new applicants, and #130 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value9 / 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 spend4 / 37
About ₱1,500 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 waivers12 / 16
A ₱3,000 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 lounge visits (each person in a household of three who gets in counts) and 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 11 live promos tracked. How it is scored
- Points flexibility2 / 10
Bank points with no airline partner that do not expire. It counts for less here because the card earns little back on this spend. How it is scored
- Credit limit and upgrade path4 / 5
Platinum 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 ₱1,500 a year in rewards and ₱0 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- 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
- ₱3,000
- 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, and 1 point per ₱40 on transactions in Japan or in yen. Cash credit only (4 points = ₱1); no Mabuhay Miles.
Caps: ₱357 per month (groceries); ₱179 per month (fuel); ₱89 per month (drugstores)
- Type
- Points
- Points expiry
- none
Travel perks
- International lounge visits
- 14 a year
- Local lounge
- None
- Travel insurance
- Up to ₱3,000,000, covers family
Strengths
- 14 free international lounge visits a year
Watch out for
- Rewards on drugstores capped at ₱89 a month
- JCB is accepted at fewer merchants
Live and upcoming promos (11)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- JCBEnds Mar 31, 2027All JCB cards, any bank
- PNBEnds Dec 31, 2026All PNB credit cards
- PNBEnds Nov 12, 2026All PNB credit cards
- PNBOngoingAll PNB credit cards
- PNBEnds Dec 31, 2026All PNB credit cards
Show 6 more
- PNBEnds Dec 31, 2026All PNB credit cards
- JCBEnds Apr 30, 2027All JCB cards, any bank
- JCBEnds Dec 15, 2026TuesdaysAll JCB 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
- 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.