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PNB Ze-Lo Mastercard

Experience more with less fees
With zero annual fee and low interest, you can shop, dine, and travel with zero worries and zero hassle.

Why apply for a PNB Ze-Lo Mastercard?

  • ✓ Zero annual fee for life
  • ✓ Zero late payment fees
  • ✓ Zero overlimit fees
  • ✓ Lower finance charge of 1.88%
  • ✓ Lower minimum amount due
  • ✓ Free annual fee for life for all your PNB Supplementary Credit Cards
  • ✓ Pay your bill in Peso, even for transactions abroad
  • ✓ Global and online acceptance
  • ✓ Contactless payment
Download the app

What can I do with my PNB Ze-Lo Mastercard?

Electronic Statement of Account
View your electronic statement of account (eSOA) via PNB Digital App or your e-mail registered with PNB Cards.
PNB Digital App
Pay your credit card, pay bills, check balances, monitor transactions, and view eSOA, rewards points, and credit card PIN anytime, anywhere with the PNB Digital App.
Cash Advance
Get cash up to 30% of your credit limit from BancNet and PNB ATMs nationwide.
Balance Transfer
Manage your credit card balances conveniently. Move your other credit card balances to your new PNB Credit Card with low interest rates for easier payments.
Convert-to-Cash
Convert your credit limit into cash and pay light installments at low interest rates.
Transaction Conversion
Convert your straight payments into installments and enjoy low interest on your purchases.
Zero % Affordable Payment Plan (ZAPP)
Experience 0% installment up to 24 months when you shop from select PNB-affiliated partner merchants.
PNB Credit Card Terms and Conditions | Fees and Charges

I want to apply now!

Qualifications to Apply

  • 21-65 years old
  • Annual income is at least P120,000

Requirements to Apply

For applications made online, please compile all files into one (1) PDF. Please include a selfie holding your government ID. Make sure the photo is clear.
Employed    
  • Recent one (1) month payslip or Certificate of Employment (stating Gross Income, Date Hired, and Position) or ITR or active principal credit card number (with at least 1 year membership)
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or UMID or Company ID)
  • Proof of billing (for non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
    • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
Self-employed    
  • Latest Income Tax Return with BIR Stamp and latest Audited Financial Statement
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or Unified Multi-Purpose ID/UMID) or Company ID
  • Proof of billing (for non-carded or non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
    • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
Foreign national    
If you are a foreign national, you must also submit either A or B of the following:
  • A
    • Passport
    • Alien Certificate of Residence (ACR)
    • Proof of billing (for non-carded or non-depositor)
      • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
    • And any of the following:
      • National ID
      • Internal Revenue Service (IRS) ID
      • Social Security Number (SSN) ID
      • Driver’s License
      • Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
      • Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC, or IC
  • B
    • Passport
    • Unexpired Philippine Retirement Authority ID (PRA) or Special Resident Retiree’s Visa (SRRV)
    • Proof of billing (for non-carded or non-depositor)
      • Utility bills (electricity, telephone, etc.) or credit card statement of account
    • And any of the following:
      • Bureau of Immigration Approved Order
      • Certificate of Deposit issued by the Bank where the PRA/Visa is deposited

Frequently Asked Questions

About my PNB Credit Card    
  1. How do I activate my credit card?
  2. How do I apply for a supplementary credit card?
    • You can apply at any PNB branch. Online application for supplementary credit cards is currently not available.
  3. How many supplementary credit cards can I apply for?
    • Each principal credit cardholder may have up to nine (9) supplementary credit cards. All supplementary credit cards enjoy free annual fee for life.
  4. How can I pay my bill?
    • You can pay your PNB Credit Card bill through any of the following:
      • PNB
        • ATMs and branches of Philippine National Bank
        • PNB Digital App
        • Automatic Debit Arrangement with PNB Savings/Checking Account
        • Overseas Branches and Remittance Centers
      • Others
        • ATMs of participating BancNet members
        • BDO branches
        • SM and Savemore payment centers nationwide
        • Mobile/Internet Banking of participating BanNet members (e.g. BDO, GCash)
        • BancNet online
    Note:
    *Payments made via PNB channels will be reflected on the account within 1-2 banking days after the date of payment.
    *Payments made via other payment centers and online payment channels will be reflected on the account within 2-4 banking days after the date of the payment.
    *Additional 3 banking days will be needed in processing check payments as they are subject to clearing.
    *Payment of dollar accounts is only applicable for PNB branches, ADA, and the PNB Digital App. A PNB deposit account (in USD) is needed to proceed with the payment via ADA and the PNB Digital App.
    *Select “PNB Credit Cards” as the biller when paying via online payment channels.
  5. How can I avail of the zero annual fee?
    • You automatically get zero annual fee for life upon successful application. No other requirements in terms of spending or usage are needed.
  6. How does the “No late payment fees” work?
    • You will not automatically be charged a late payment fee for (a) not paying or (b) paying below the minimum amount due as of your due date. Finance charge and other charges will still apply.
  7. How does “No overlimit fees” work?
    • You will not be charged for going over the credit card limit.
  8. Are there any other differences to the fees and charges of the PNB Ze-Lo Mastercard?
    • Other than those stated, standard PNB Credit Card fees and charges will apply.
      Please click here to view all applicable fees and charges.
  9. Does the PNB Ze-Lo Mastercard have Card Protect?
    • No. The PNB Ze-Lo Mastercard is not covered by Card Protect.
  10. Is the PNB Ze-Lo Mastercard included in PNB promos?
    • Yes. Unless otherwise stated in promo mechanics, the PNB Ze-Lo Mastercard is included in PNB promos and merchant discounts.
  11. I didn’t receive my monthly billing/eSOA. What do I do?
  12. How do I update my information?
  13. My PNB Debit Card is already signed up to the PNB Digital App. How can I add my PNB Credit Card?
    1. Go to More and click on Add Account. You can also add an account from the My Accounts screen by clicking on the + button on the upper right corner.
    2. Read and agree to the Terms and Conditions
    3. Enter the card number and expiry date.
    4. Enter the 6-digit One-Time PIN (OTP) sent via SMS to your mobile number registered with PNB Cards. 
    5. View the confirmation screen indicating that the account has been added and click Okay.
  14. I don’t receive my one-time PIN (OTP) whenever I try to enroll my Credit Card to the PNB Mobile Banking App. What do I do?
  15. Who can I contact if ever I have questions or concerns about the credit card?
About Rewards    
  1. Does the PNB Ze-Lo Mastercard earn rewards points?
    • No, the PNB Ze-Lo Mastercard does not earn any rewards points. Please enjoy other exclusive offers such as zero annual fee for life and lower finance charge.
About PNB Digital App    
  1. What can I do with the PNB Digital App?
    1. Easily sign up your PNB Credit Card
    2. Pay your PNB Credit Card bill
    3. Pay bills using your PNB Credit Card
    4. Check your PNB Credit Card balances and available credit limit
    5. View Credit Card PIN
    6. Monitor your PNB Credit Card transactions
    7. View and download your Electronic Statement of Account (eSOA)
    8. View the latest PNB Cards promos
    Learn more about the     PNB Digital App.
  2. How do I sign up my PNB Credit Card to the PNB Digital App
    1. Tap Sign Up and agree to the Terms and Conditions.
    2. Choose Credit Card Number as the sign up option.
    3. Enter your valid PNB Credit Card Number, Card Expiry Date, and Date of Birth.
    4. Enter the Online Activation Code (OAC) sent to your e-mail address registered with PNB Cards.
    5. Enter the 6-digit one-time-PIN (OTP) sent to your mobile number registered with PNB Cards.
    6. Create a new user ID and password for your PNB Digital Account*.
    7. Choose your login option:
      • Password
      • Fingerprint/Touch ID
      • Face ID
    8. Receive a notification on your registered e-mail address and mobile number and view your PNB Digital dashboard.
    If you are an existing user of PNB Account Access Portal since July 31, 2021 or earlier:
    You may use the same User ID when you sign up for us to migrate your existing saved payees and billers to PNB Digital.
  3. Can I view my full PNB Credit Card number on the PNB Digital App?
    • Yes, you can view your 16-digit PNB Credit Card number by clicking the “eye” button on the right side of your credit card number. Please make sure you do not share your credit card information with anyone.
  4. Can all PNB Credit Cards be signed up to the PNB Digital App?
    • No, the following cannot be signed up to the PNB Digital App:
      • PNB Supplementary Credit Cards
      • PNB Installment Credit Cards
      • PNB Business Credit Card
      • PNB Corporate Multi Mastercard
  5. How many mobile devices can I use with the PNB Digital App?
    • You can only use one (1) device to access your PNB Digital Account. If you want to use another device, you need to unregister your current device. Login and go to More > Registered Device.
  6. Who can I contact if ever I have questions or concerns about my PNB Digital app account?
    If you have both a deposit account and a PNB Credit Card enrolled in the app, please contact:
    If you have a PNB Credit Card but no deposit account enrolled in the app, please contact:
Lost Credit Card    
  1. What should I do if I lose my credit card?
    • Immediately report your lost credit card to the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818.
      Please note that you are accountable for transactions made prior to the reporting of the lost credit card.
  2. Where can I report unauthorized transactions?
  3. How can I report incorrect amount/charges?

Promos

P2,500 rebates with Free First Month

VIEW PROMO

Up to 10% OFF at Fully Booked

VIEW PROMO

Up to P400 OFF at Medgate

VIEW PROMO

PNB Ze-Lo Mastercard

Experience more with less fees
With zero annual fee and low interest, you can shop, dine, and travel with zero worries and zero hassle.

Why apply for a PNB Ze-Lo Mastercard?

  • ✓ Zero annual fee for life
  • ✓ Zero late payment fees
  • ✓ Zero overlimit fees
  • ✓ Lower finance charge of 1.88%
  • ✓ Lower minimum amount due
  • ✓ Free annual fee for life for all your PNB Supplementary Credit Cards
  • ✓ Pay your bill in Peso, even for transactions abroad
  • ✓ Global and online acceptance
  • ✓ Contactless payment
Download the app

What can I do with my PNB Ze-Lo Mastercard?

Card Services    
Installment Programs    
  • Balance Transfer
    • Manage your credit card balances conveniently. Move your other credit card balances to your new PNB Credit Card with low interest rates for easier payments.
  • Convert-to-Cash
    • Convert your credit limit into cash and pay light installments at low interest rates.
  • Transaction Conversion
    • Convert your straight payments into installments and enjoy low interest on your purchases.
  • Zero % Affordable Payment Plan (ZAPP)
    • Experience 0% installment up to 24 months when you shop from select PNB-affiliated partner merchants.
PNB Credit Card Terms and Conditions
Fees and Charges

I want to apply now!

Qualifications

  • 21-65 years old
  • Annual income is at least P120,000

Requirements

For applications made online, please compile all files into one (1) PDF. Please include a selfie holding your government ID. Make sure the photo is clear.
Employed    
  • Recent one (1) month payslip or Certificate of Employment (stating Gross Income, Date Hired, and Position) or ITR or active principal credit card number (with at least 1 year membership)
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or UMID or Company ID)
  • Proof of billing (for non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
    • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
Self-employed    
  • Latest Income Tax Return with BIR Stamp and latest Audited Financial Statement
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or Unified Multi-Purpose ID/UMID) or Company ID
  • Proof of billing (for non-carded or non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
    • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
Foreign national    
If you are a foreign national, you must also submit either A or B of the following:
  • A
    • Passport
    • Alien Certificate of Residence (ACR)
    • Proof of billing (for non-carded or non-depositor)
      • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
    • And any of the following:
      • National ID
      • Internal Revenue Service (IRS) ID
      • Social Security Number (SSN) ID
      • Driver’s License
      • Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
      • Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC, or IC
  • B
    • Passport
    • Unexpired Philippine Retirement Authority ID (PRA) or Special Resident Retiree’s Visa (SRRV)
    • Proof of billing (for non-carded or non-depositor)
      • Utility bills (electricity, telephone, etc.) or credit card statement of account
    • And any of the following:
      • Bureau of Immigration Approved Order
      • Certificate of Deposit issued by the Bank where the PRA/Visa is deposited

Frequently Asked Questions

About my PNB Credit Card    
  1. How do I activate my credit card?
  2. How do I apply for a supplementary credit card?
    • You can apply at any PNB branch. Online application for supplementary credit cards is currently not available.
  3. How many supplementary credit cards can I apply for?
    • Each principal credit cardholder may have up to nine (9) supplementary credit cards. All supplementary credit cards enjoy free annual fee for life.
  4. How can I pay my bill?
    • You can pay your PNB Credit Card bill through any of the following:
      • PNB
        • ATMs and branches of Philippine National Bank
        • PNB Digital App
        • Automatic Debit Arrangement with PNB Savings/Checking Account
        • Overseas Branches and Remittance Centers
      • Others
        • ATMs of participating BancNet members
        • BDO branches
        • SM and Savemore payment centers nationwide
        • Mobile/Internet Banking of participating BanNet members (e.g. BDO, GCash)
        • BancNet online
    Note:
    *Payments made via PNB channels will be reflected on the account within 1-2 banking days after the date of payment.
    *Payments made via other payment centers and online payment channels will be reflected on the account within 2-4 banking days after the date of the payment.
    *Additional 3 banking days will be needed in processing check payments as they are subject to clearing.
    *PPayment of dollar accounts is only applicable for PNB branches, ADA, and the PNB Digital App. A PNB deposit account (in USD) is needed to proceed with the payment via ADA and the PNB Digital App.
    *Select “PNB Credit Cards” as the biller when paying via online payment channels.
  5. How can I avail of the zero annual fee?
    • You automatically get zero annual fee for life upon successful application. No other requirements in terms of spending or usage are needed.
  6. How does the “No late payment fees” work?
    • You will not automatically be charged a late payment fee for (a) not paying or (b) paying below the minimum amount due as of your due date. Finance charge and other charges will still apply.
  7. How does “No overlimit fees” work?
    • You will not be charged for going over the credit card limit.
  8. Are there any other differences to the fees and charges of the PNB Ze-Lo Mastercard?
    • Other than those stated, standard PNB Credit Card fees and charges will apply.
      Please click here to view all applicable fees and charges.
  9. Does the PNB Ze-Lo Mastercard have Card Protect?
    • No. The PNB Ze-Lo Mastercard is not covered by Card Protect.
  10. Is the PNB Ze-Lo Mastercard included in PNB promos?
    • Yes. Unless otherwise stated in promo mechanics, the PNB Ze-Lo Mastercard is included in PNB promos and merchant discounts.
  11. I didn’t receive my monthly billing/eSOA. What do I do?
  12. How do I update my information?
  13. My PNB Debit Card is already signed up to the PNB Digital App. How can I add my PNB Credit Card?
    1. Go to More and click on Add Account. You can also add an account from the My Accounts screen by clicking on the + button on the upper right corner.
    2. Read and agree to the Terms and Conditions
    3. Enter the card number and expiry date.
    4. Enter the 6-digit One-Time PIN (OTP) sent via SMS to your mobile number registered with PNB Cards. 
    5. View the confirmation screen indicating that the account has been added and click Okay.
  14. I don’t receive my one-time PIN (OTP) whenever I try to enroll my Credit Card to the PNB Mobile Banking App. What do I do?
  15. Who can I contact if ever I have questions or concerns about the credit card?
About Rewards    
  1. Does the PNB Ze-Lo Mastercard earn rewards points?
    • No, the PNB Ze-Lo Mastercard does not earn any rewards points. Please enjoy other exclusive offers such as zero annual fee for life and lower finance charge.
About PNB Digital App    
  1. What can I do with the PNB Digital App?
    1. Easily sign up your PNB Credit Card
    2. Pay your PNB Credit Card bill
    3. Pay bills using your PNB Credit Card
    4. Check your PNB Credit Card balances and available credit limit
    5. View Credit Card PIN
    6. Monitor your PNB Credit Card transactions
    7. View and download your Electronic Statement of Account (eSOA)
    8. View the latest PNB Cards promos
    Learn more about the     PNB Digital App.
  2. How do I sign up my PNB Credit Card to the PNB Digital App
    1. Tap Sign Up and agree to the Terms and Conditions.
    2. Choose Credit Card Number as the sign up option.
    3. Enter your valid PNB Credit Card Number, Card Expiry Date, and Date of Birth.
    4. Enter the Online Activation Code (OAC) sent to your e-mail address registered with PNB Cards.
    5. Enter the 6-digit one-time-PIN (OTP) sent to your mobile number registered with PNB Cards.
    6. Create a new user ID and password for your PNB Digital Account*.
    7. Choose your login option:
      • Password
      • Fingerprint/Touch ID
      • Face ID
    8. Receive a notification on your registered e-mail address and mobile number and view your PNB Digital dashboard.
    If you are an existing user of PNB Account Access Portal since July 31, 2021 or earlier:
    You may use the same User ID when you sign up for us to migrate your existing saved payees and billers to PNB Digital.
  3. Can I view my full PNB Credit Card number on the PNB Digital App?
    • Yes, you can view your 16-digit PNB Credit Card number by clicking the “eye” button on the right side of your credit card number. Please make sure you do not share your credit card information with anyone.
  4. Can all PNB Credit Cards be signed up to the PNB Digital App?
    • No, the following cannot be signed up to the PNB Digital App:
      • PNB Supplementary Credit Cards
      • PNB Installment Credit Cards
      • PNB Business Credit Card
      • PNB Corporate Multi Mastercard
  5. How many mobile devices can I use with the PNB Digital App?
    • You can only use one (1) device to access your PNB Digital Account. If you want to use another device, you need to unregister your current device. Login and go to More > Registered Device.
  6. Who can I contact if ever I have questions or concerns about my PNB Digital app account?
    If you have both a deposit account and a PNB Credit Card enrolled in the app, please contact:
    If you have a PNB Credit Card but no deposit account enrolled in the app, please contact:
Lost Credit Card    
  1. What should I do if I lose my credit card?
    • Immediately report your lost credit card to the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818.
      Please note that you are accountable for transactions made prior to the reporting of the lost credit card.
  2. Where can I report unauthorized transactions?
  3. How can I report incorrect amount/charges?

Promos

P2,500 rebates with Free First Month

VIEW PROMO

Up to 10% OFF at Fully Booked

VIEW PROMO

Up to P400 OFF at Medgate

VIEW PROMO

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Customer Care

Bank Hotline
Tel. No.: (+632) 8573 8888
Email: customercare@pnb.com.ph
PNB Cards
Tel. No.: (+632) 8818 9818
Email: pnbcreditcards@pnb.com.ph
Deposits are insured by PDIC up to P500,000 per depositor.
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https://www.bsp.gov.ph.
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