Visa Gold
Gold
PNB · Visa · Gold
Visa Gold
Why pick it: ₱600 yearly fee, up to ₱1M travel insurance
Basic Visa Gold without spend rewards: 1% rebate on interest charged, ₱600 annual fee, up to ₱1M travel insurance.
- Score
- 10 /100
- Rank
- #117 of 123
- Annual fee
- ₱600
Walang nakasaad sa page na spend rewards. Ang tanging rebate ay sa interest.
Bottom line: Skip ito. Kung rewards ang habol mo, humanap ng ibang card.
Read the full take: the math, what's good, what hurts
For a typical household (~₱825k a year), rewards come to ~-₱500 and travel value to ~-₱1,500, both negative once the 2.50% foreign charge from the fees PDF applies. Walang spend rewards ang card na ito, from our data. Fee: ₱600. Hindi binabanggit ng page ang waiver terms; ang waiver ay hinihingi mo sa bank at sila ang nagpapasya, ayon sa data. Hindi malinaw kung sakop ng free-first-year footnote sa fees PDF ang card na ito. Umabot sa 10 ang score, kaya #117 ang lugar nito 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
- Low annual fee ang sabi ng product page.
- Hanggang ₱1M ang libreng travel insurance kapag sa card ichinarge ang buong roundtrip ticket (land, air o sea).
- Pwede mong bayaran ang bill in Peso kahit abroad pa ang transaction.
What's bad
- Sa revolved interest lang ang 1% rebate, kaya ang balance na hindi mo nabayaran ang pinagkukunan nito. Huwag mo itong habulin.
- 2.50% ang singil sa foreign spend per the fees PDF, at wala rin sa page ang lounge access.
The catch: Walang nakalagay na amount sa 'Low annual fee' ng product page, pero ₱600 ang nakalagay sa Fees & Charges PDF ng PNB. Hindi rin nakasaad sa page ang income requirement (₱600,000 a year, 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 ₱600 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
#117 of 123 cards open to new applicants, and #164 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 ₱600 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 path3 / 5
Gold 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
- ₱600
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱600,000 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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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.