Visa Classic
Classic
PNB · Visa · Classic
Visa Classic
Why pick it: ₱300 yearly fee, up to ₱1M ticket insurance
Basic Visa Classic without spend rewards: 1% rebate on interest charged, ₱300 annual fee, up to ₱1M travel insurance.
- Score
- 10 /100
- Rank
- #118 of 123
- Annual fee
- ₱300
Walang spend rewards sa page ng PNB Visa Classic, pero may ₱300 na fee pa rin.
Bottom line: Skip. Pang-basic na card lang ito, kaya kung may hinahabol kang earn, ibang card ang tingnan mo.
Read the full take: the math, what's good, what hurts
Sa typical household (~₱825k a year), negative ang rewards value (~-₱500) at pati ang travel value (~-₱1,500), dahil may foreign fee (2.50%) per the fees PDF. Ang waiver ay hinihingi mo sa bank at sila ang nagpapasya, from our data. The fees PDF footnote mentions a free first year, which our score does not count. Sa ranking, #118 ito sa 123 cards, at 10 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
- Pinakamababa ang fee sa mga PNB card na may fee, per the fees PDF.
- Up to ₱1M ang libreng travel insurance kapag naka-charge sa card ang buong roundtrip land, air o sea ticket.
- Puwede mong bayaran ang bill in Peso kahit abroad ang transaction.
What's bad
- Wala sa page ang spend rewards; 1% rebate lang sa revolved interest ang meron.
- Kapag may revolved interest ka lang makukuha ang rebate, kaya huwag mo itong habulin.
- 2.50% ang foreign fee per the fees PDF, at wala ring lounge access sa page.
The catch: 'Low annual fee' lang ang nasa product page, walang amount; nasa Fees & Charges PDF ng PNB ang ₱300. Wala sa page ang income requirement; ang ₱120,000 a year ay galing sa data.
Rechecked on the bank page on 2026-10-25. Not on the page: annual fee amount (product page itself; it is in the linked PDF); minimum income; fee waiver terms; spend rewards; 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 −₱2,000 in rewards (−₱500) and travel value (−₱1,500), before the ₱300 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
#118 of 123 cards open to new applicants, and #165 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value1 / 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
A ₱300 fee that the bank may waive on request. 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 15 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
- ₱300
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱120,000 a year
Rewards
No spend rewards; a 1% rebate on revolved interest only.
- Type
- Cashback
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱1,000,000, covers family
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
- PNBEnds Nov 12, 2026All PNB credit cards
- PNBOngoingAll PNB credit cards
- PNBEnds Dec 31, 2026All PNB credit cards
- PNBEnds Dec 31, 2026All PNB credit cards
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- 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
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- 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.