Ze-Lo MC
Classic
PNB · Mastercard · Classic
Ze-Lo MC
Why pick it: Free for life, no late fee, 2.5% finance charge
Low-cost card without rewards: no annual fee for life, no late or overlimit fees, 2.5% monthly finance charge.
- Score
- 11 /100
- Rank
- #116 of 123
- Annual fee
- Free for life
Mura sa fees, pero walang rewards na nakasaad sa page. Puwede itong maging low-cost backup card.
Bottom line: Okay ito kung libreng card na magaan ang fees lang ang hanap mo. Kung rewards ang habol mo, skip.
Read the full take: the math, what's good, what hurts
Kahit ang annual fee ay ₱0, negative ang lumalabas sa typical household (~₱825k a year): ~-₱500 sa rewards value at ~-₱1,500 sa travel value pagkatapos ng 2.50% na singil sa foreign spend, per the fees PDF. Walang spend rewards ang card sa data namin. 11 ang score, kaya #116 ang puwesto ng card 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
- No annual fee for life.
- Walang late payment fee o overlimit fee, ayon sa page.
- Mas mababa ang finance charge na 2.5% kumpara sa 3% sa ibang PNB cards, per the fees PDF.
What's bad
- Walang points o cashback na nakasaad sa page, at excluded ang card sa Rewards Program, ayon sa data.
- Mataas pa rin ang 2.5% monthly interest kung hindi mo binabayaran nang buo.
- Hindi rin binabanggit ng page ang travel insurance at lounge.
The catch: Walang late fee, pero hindi ibig sabihin na puwede kang mag-skip ng bayad. Hindi sinasabi ng page ang income requirement; ₱120,000 a year ang nasa data.
Rechecked on the bank page on 2026-10-25. Not on the page: rewards program; minimum income; travel insurance; 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 card's fees (no annual fee)
- To qualify:
- ₱120,000 a year income
- Bank service:
- About typical.
Score breakdown, fees, rewards and perks
Score breakdown
#116 of 123 cards open to new applicants, and #163 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
No annual fee. How the bars work
- Travel and perks on the default spend0 / 10
About −₱1,500 of travel value on one trip abroad a year, after the 2.50% foreign fee. 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 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 fee2 / 2
A late fee of ₱0 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
- Free for life
- Supplementary fee
- ₱0
- Fee waiver
- No annual fee
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱120,000 a year
Rewards
No rewards. The card is about low fees: 2.5% monthly finance charge, no late fee, no overlimit fee.
- Type
- Points
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- No annual fee for life
Live and upcoming promos (14)
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 9 more
- PNBEnds Dec 31, 2026All PNB credit cards
- 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.