PNB Ze-Lo Mastercard
With zero annual fees 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 fees for life
- ✓ Zero late payment fees
- ✓ Zero overlimit fees
- ✓ Lower finance charge
- ✓ Lower minimum amount due
With zero annual fees 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 fees for life
- ✓ Zero late payment fees
- ✓ Zero overlimit fees
- ✓ Lower finance charge
- ✓ Lower minimum amount due
Requirements to Apply
- 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
- 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
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, or 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
How to enroll your PNB Credit Card on PNB Mobile Banking App
Installment programs
Step up with the ultimate Credit Card shift with a low interest rate advantage. Balance Transfer can quickly move your other Credit Card balances to your new PNB Ze-Lo Mastercard.
Convert your credit limit into cash and pay the same in installment terms at low interest rates.
Convert your straight purchases into installments and enjoy low interest rates.
Shop at PNB-affiliated partner merchants for your expensive must-haves at 0% interest on installment and choose your preferred payment terms from 3, 6, 9, 12 ,18, up to 24 months.
Promos
Frequently Asked Questions
- My PNB Debit Card is already enrolled on the PNB Mobile Banking App. How can I enroll my PNB Credit Card?
- On the PNB Mobile Banking App, go to My Accounts page and click the three dotted button on the upper right corner
- Select Enroll Credit Card
- Enter your valid Card Number, Date of Birth, and Card Expiry Date then click Continue
- Enter the correct One-Time PIN (OTP) sent to your registered mobile number with PNB Credit Card
- Click Update Mobile Number if you want to change the mobile number saved in your PNB Mobile/Internet Banking account. Click Skip if you don’t want to update your mobile number.
*If you maintain different mobile numbers in your deposit account and Credit Card account, you will be asked to update your mobile number. - Click OK if you agree to update your mobile number.
- Your Credit Card is now successfully enrolled.
- I don’t receive an OTP whenever I try to enroll my Credit Card to the PNB Mobile Banking App. What do I do?
Please make sure that your registered mobile number is updated. If not, please call our Cards Hotline at 8818 9818 or send an email to pnbcreditcards@pnb.com.ph to have it updated. - How can I avail of the zero annual fees?
You automatically get zero annual fee for life upon successful application. No other requirements in terms of spending or usage are needed. - How does the “No late payment fee” work?
You will not automatically be charged a late payment fee for paying after the due date. Finance charge and other charges will still apply. - How does the “No over limit fee” work?
You will not be charged for going over the Credit Card limit. - 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. - What are the other fees and charges I need to pay?
Notes:Type of Fees & Charges Description FeeAccount Maintenance FeeMonthly Account Maintenance Fee or the amount equivalent to the Credit Balance, whichever is lower, shall be charged to closed Card Accounts with overpayments until the Credit Balance is zeroed outPHP 200 for Peso account (USD 5 for Dollar account) or the amount equivalent to the credit balance, whichever is lowerAdvance Card Renewal Request FeeIncurred when cardholder requests for a renewal of his/her card more than 90 days before the expiry of his/her existing card.PHP 750Card Replacement FeeIncurred when a card replacement is requested due to:
- spoilage (plastic peeled off, unreadable CVC2, cracked card, wrong name embossed); or
- change in name (from single to married and vice versa)
PHP 400Cash Advance FeeIncurred when a cardholder makes a Cash Advance (CA) transaction on his/her Credit Card5% of CA amount for Peso or 2% for Dollar + transaction fee of PHP 100 (Peso) or USD 3 (Dollar)Certification FeeIncurred when a cardholder requests for a particular certificate:Full Settlement of AccountPHP 200Good Credit StandingPHP 300Card Replacement IssuancePHP 300Credit Card RateUsed when a US Dollar billing is paid in Peso. Charged during the sale of US Dollar notesDepends on Mastercard, Visa or UnionPay’s conversion rate of the dayFinance ChargeImposed on the previous statement’s unpaid balance- 2.99% – If Total Outstanding Balance is less than PHP 100,000: 2.99%
- 2.25% – If Total Outstanding Balance is PHP 100,000 or more: 2.25%
- 7% – If card is 60 days late or past due date: 7%
Foreign Currency Transactions Service FeeIncurred when a cardholder makes transactions outside the Philippines (excluding US Dollar)2.5% of the converted amount using Mastercard/ Visa/UnionPay’s conversion rate of the dayLost Card FeeIncurred when a replacement for a lost card is requestedPHP 400Payment Processing FeeIncurred when monthly Credit Card payments made through various payment channels are in excess of three (3) within one (1) month.
Payment Channels:
- Banco De Oro
- SM & SaveMore payment centers
- BancNet (e.g. ATM, GCash, etc.)
- Other Payment Channels
PHP 40 per payment in excess of 3Payment Transfer FeeIncurred when a cardholder requests that his/her payment be transferred from his/her Peso Account to Dollar Account or vice versaPHP 300 or USD 10Refund FeeIncurred when a refund for overpayment is requested by a cardholderPHP 300 or USD 10 (credit to PNB account); PHP 500 or USD 10 plus Dollar remittance fee (credit to non-PNB account; for Dollar – remittance fee depends on amount)Returned Check FeeIncurred when a check payment was dishonored or returned by the bank for reasons such as account closed, Drawn Against Insufficient Funds (DAIF), Drawn Against Uncollected Deposit (DAUD), etc.PHP 1,000 for Peso account or USD 10 for Dollar accountSales Slip Retrieval FeeIncurred when a cardholder requests for retrieval of a particular sales slip to verify a transactionPHP 400 or USD 15 (per sales slip)Statement of Account (SOA) Retrieval FeeIncurred when a cardholder requests for a fax or mail copy of his/her old Statement of Account (beyond 3 months from current SOA)PHP 50 per statement
1. The bank reserves the right to change the fees, charges, and rates with prior notice to the Cardholder.
2. All fees, except for Credit Card Rate shall be charged to the cardholder’s Statement of Account. The Credit Card rate will be charged at bank level during the sale of USD Notes. Peso amounts are for Peso accounts and Dollar amounts are for Dollar accounts
3. The Refund Fee will be deducted from the amount to be refunded for cancelled cards.
4. For the complete PNB Credit Cards Terms and Conditions, please click here. - Does the PNB Ze-Lo Mastercard have Card Protect?
No. The PNB Ze-Lo Mastercard is not covered by Card Protect. - 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. - How do I activate my card?
You can activate your PNB Ze-Lo Mastercard Credit Card through the following:
- Text
- Text PNB
ACTIVATE 16-digital Credit Card number and send to 22566808
Example: PNB ACTIVATE 1234567812345678
- Text PNB
- Call
- Call PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818
- Text
- How can I pay my bill?
You can pay your Credit Card bill through any of the following:
- PNB
- ATMs and branches of Philippine National Bank
- PNB Mobile Banking App
- PNB Internet Banking
- 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.e BDO, Gcash)
- BancNet online
- PNB
- How much can I get when I avail of the Cash Advance feature?
You can get up to 30% of your Credit Card limit. - How can I view my statement of account?
It will be sent to your registered email address or you can view it on PNB Internet Banking. - Who can I contact if ever I have questions or concerns about the product?
You can contact us through the following:
- PNB Cards 24/7 Customer Service Hotline: (+632) 8818 9818
- PNB Credit Cards Email: pnbcreditcards@pnb.com.ph
- Can I use this abroad?
Yes. PNB Ze-Lo Mastercard is accepted in more than 200 countries.
- Does the PNB Ze-Lo Mastercard earn rewards points?
No. The PNB Ze-Lo Mastercard does not earn any rewards points.
- What would I do if I lost my card?
Please immediately report your lost card to our Cards Hotline at 8818 9818. - Where can I report unauthorized transactions?
Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or download the dispute form and email it to pnbcreditcards@pnb.com.ph - How can I report incorrect amount/charges?
Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or download the dispute form and email it to pnbcreditcards@pnb.com.ph
