The Travel Club Platinum MC
Platinum
PNB · Mastercard · Platinum
The Travel Club Platinum MC
Why pick it: Free for life, plus 10% off at its stores
The Travel Club co-brand: no annual fee for life, 10% off at TTC stores, 1 point per ₱70 (₱40 at TTC), 1:1 Mabuhay Miles.
- Score
- 42 /100
- Rank
- #31 of 123
- Annual fee
- Free for life
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Free for life, plus savings sa The Travel Club. Sa ibang stores, mahina ang earn.
Bottom line: Kung madalas kang mamili sa The Travel Club, sulit ito kasi free naman. Kung hindi, 1 point per ₱70 lang ang earn sa ibang store.
Read the full take: the math, what's good, what hurts
Free for life ang card (annual fee: ₱0). ~₱6,500 ang makokolekta ng typical household (~₱825k a year), plus ~₱0 na travel value pagkatapos ng foreign fee (2.50%, per the fees PDF). Binibilang namin ang points bilang miles (₱70 = 1 point = 1 Mabuhay Mile). May cash credit option din ang points (4 points = ₱1). 42 ang score nito at #31 ang rank niya sa 123.
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
- 10% off sa The Travel Club stores (excluding consigned items), 20% off sa regular-priced TTC brands sa birthday month, at 1% rebate sa TTC installments.
- Waived ang repair service fee kahit lampas na sa warranty (hindi kasama ang spare parts).
What's bad
- 1 point per ₱70 sa ibang spend at per ₱40 sa TTC ang earn mo. Sa miles lang may value, at 2,000 points ang bawat redemption block.
- May 2.50% na fee ang foreign spend, per the fees PDF, kaya huwag mo na itong gamitin abroad.
- Walang lounge access na nakalista sa page, at kailangang buong roundtrip ticket ang na-charge sa card para sa ₱3M travel insurance.
The catch: ₱500 discount SMS voucher lang sa select regular-priced items ang welcome gift. Hindi nakalista sa page ang income requirement (₱600,000 a year, galing sa data) at ang rewards cap.
Rechecked on the bank page on 2026-10-25. Not on the page: minimum income; rewards caps; lounge access; foreign currency fee (product page itself; it is in the linked PDF). 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 card's fees (no annual fee)
- To qualify:
- ₱600,000 a year income
- Bank service:
- About typical.
First year
- Welcome offer:
- Welcome gift: ₱500 discount SMS voucher on select regular-priced items at The Travel Club (no end date stated)
Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.
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
#31 of 123 cards open to new applicants, and #41 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
No annual fee. 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 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 ₱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.
- 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
- ₱600,000 a year
Rewards
1 point per ₱40 at The Travel Club and per ₱70 elsewhere. 10% off at The Travel Club stores and 20% off its brands in your birthday month.
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
Strengths
- No annual fee for life
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.
- 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 10 more
- PNBEnds Dec 31, 2026All PNB credit cards
- PNBEnds Nov 30, 2026Sat, Sun5 PNB cards: Platinum MC, PAL Mabuhay Miles Platinum MC, The Travel Club Platinum MC…
- 50% off lunch and dinner buffet at Café Ilang-Ilang, The Manila Hotel (Wed-Thu) with PNB MastercardScore 62PNBEnds Nov 26, 2026Wed, Thu9 PNB cards: Ze-Lo MC, Essentials MC, Platinum MC…
- 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
- 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.