PNB Visa Gold
The card that pays you backExperience more of life when you lighten your load with the credit card that pays you back.
Why apply for a PNB Visa Gold?
- ✓ Get 1% rebate on your revolved interest
- ✓ Low annual fee
- ✓ Spend securely with Card Protect
- ✓ 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
What can I do with my PNB Visa Gold?
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Electronic Statement of Account View your electronic statement of account (eSOA) via PNB Digital App or your e-mail registered with PNB Cards. |
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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. |
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Cash Advance Get cash up to 30% of your credit limit from BancNet and PNB ATMs nationwide. |
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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. |
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Convert-to-Cash Convert your credit limit into cash and pay light installments at low interest rates. |
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Transaction Conversion Convert your straight payments into installments and enjoy low interest on your purchases. |
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Zero % Affordable Payment Plan (ZAPP) Experience 0% installment up to 24 months when you shop from select PNB-affiliated partner merchants. |
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Free Purchase Protection Insurance Up to P250k covered annually. Your purchased items are covered against accidental damage and theft within 90 days from date of purchase. |
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Free Travel Insurance Up to P1M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB Visa Gold. Travel-related concerns such as flight delay and lost luggage are covered. |
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Fraud Transaction Insurance Up to P250k covered for only P120 per year. Be worry-free from unauthorized charges when your card gets lost/stolen, or if your card is used in fraudulent transactions. Monthly coverage starts on the date of enrollment. |
I want to apply now!
Qualifications to Apply
- 21-65 years old
- Annual income is at least P600,000
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., PhilID Card / ePhilID (printed)/ Digital National ID, Driver’s License, Passport, TIN (Ecard only), SSS, UMID, or Company ID with signature of company’s authorized representative and employee)
- 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., PhilID Card / ePhilID (printed)/ Digital National ID, Driver’s License, Passport, TIN (Ecard only), SSS, UMID, or Company ID with signature of company’s authorized representative and employee)
- 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
- 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
- How do I earn 1% rebate on revolve interest?
- By paying at least the minimum amount due on or before your due date, your statement next month will automatically reflect the following: (a) the revolved interest (finance charge) amount and (b) the 1% rebate. The rebate will also be reflected in your credit card balance.
- How do I activate my credit card?
- You can activate your PNB Credit Card through the following:
- Text PNB ACTIVATE 16-digital Credit Card number and send to 22566808
Example: PNB ACTIVATE 1234567812345678 - Call PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818
- Text PNB ACTIVATE 16-digital Credit Card number and send to 22566808
- You can activate your PNB Credit Card through the following:
- 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.
- 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.
- 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
- PNB
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. - You can pay your PNB Credit Card bill through any of the following:
- What are the applicable credit card fees and charges?
- Please click here to view all applicable fees and charges.
- I didn’t receive my monthly billing/eSOA. What do I do?
- Please make sure that your registered e-mail address is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
- How do I update my information?
- Call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph. Make sure your mobile no., e-mail address, TIN, SSS/GSIS no, and other info are up to date. Also ensure you submit your latest income tax return (ITR).
- My PNB Debit Card is already signed up to the PNB Digital App. How can I add my PNB Credit Card?
- 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.
- Read and agree to the Terms and Conditions
- Enter the card number and expiry date.
- Enter the 6-digit One-Time PIN (OTP) sent via SMS to your mobile number registered with PNB Cards.
- View the confirmation screen indicating that the account has been added and click Okay.
- 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?
- Please make sure that your registered mobile no. is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
- Who can I contact if ever I have questions or concerns about the credit card?
- 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.
- You can contact us through the following:
- Does the PNB Visa Gold earn rewards points?
- No, the PNB Visa Gold does not earn any rewards points. Please enjoy other exclusive offers such as rebate on revolved interest.
- What can I do with the PNB Digital App?
- Easily sign up your PNB Credit Card
- Pay your PNB Credit Card bill
- Pay bills using your PNB Credit Card
- Check your PNB Credit Card balances and available credit limit
- View Credit Card PIN
- Monitor your PNB Credit Card transactions
- View and download your Electronic Statement of Account (eSOA)
- View the latest PNB Cards promos
- How do I sign up my PNB Credit Card to the PNB Digital App
- Tap Sign Up and agree to the Terms and Conditions.
- Choose Credit Card Number as the sign up option.
- Enter your valid PNB Credit Card Number, Card Expiry Date, and Date of Birth.
- Enter the Online Activation Code (OAC) sent to your e-mail address registered with PNB Cards.
- Enter the 6-digit one-time-PIN (OTP) sent to your mobile number registered with PNB Cards.
- Create a new user ID and password for your PNB Digital Account*.
- Choose your login option:
- Password
- Fingerprint/Touch ID
- Face ID
- 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. - 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.
- 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
- No, the following cannot be signed up to the PNB Digital App:
- 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.
- 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:- PNB Customer Care Hotline: (+632) 8573 8888.
- PNB Customer Care Email: customercare@pnb.com.ph.
- PNB Cards 24/7 Customer Service Hotline: (+632) 8818 9818 or DTF 1800 10 818 9818.
- PNB Credit Cards Email: pnbcreditcards@pnb.com.ph.
- 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 unless you enrolled your lost credit card for Fraud Transaction Insurance, which covers 12 hours prior to reporting of the lost credit card. Fraud Transaction Insurance is on a per credit card enrollment basis.
- Where can I report unauthorized transactions?
- Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818 or download the Dispute Form and e-mail 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 DTF 1800 10 818 9818 or download the Dispute Form and e-mail it to pnbcreditcards@pnb.com.ph.
Promos |
Additional 8% OFF at Agoda with Visa
Enjoy 0% with FREE First Month Installment
PNB Visa Gold
The card that pays you backWhy apply for a PNB Visa Gold?
- ✓ Get 1% rebate on your revolved interest
- ✓ Low annual fee
- ✓ Spend securely with Card Protect
- ✓ 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
 |
 |
What can I do with my PNB Visa Gold?
- 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.
- Free Purchase Protection Insurance
- Up to P250k covered annually. Your purchased items are covered against accidental damage and theft within 90 days from date of purchase.
- Free Travel Insurance
- Up to P1M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB Visa Gold. Travel-related concerns such as flight delay and lost luggage are covered.
- Fraud Transaction Insurance
- Up to P250k covered for only P120 per year. Be worry-free from unauthorized charges when your card gets lost/stolen, or if your card is used in fraudulent transactions. Monthly coverage starts on the date of enrollment.
I want to apply now!
Qualifications
- 21-65 years old
- Annual income is at least P600,000
Requirements
- 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., PhilID Card / ePhilID (printed)/ Digital National ID, Driver’s License, Passport, TIN (Ecard only), SSS, UMID, or Company ID with signature of company’s authorized representative and employee)
- 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., PhilID Card / ePhilID (printed)/ Digital National ID, Driver’s License, Passport, TIN (Ecard only), SSS, UMID, or Company ID with signature of company’s authorized representative and employee)
- 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
- 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
- How do I earn 1% rebate on revolve interest?
- By paying at least the minimum amount due on or before your due date, your statement next month will automatically reflect the following: (a) the revolved interest (finance charge) amount and (b) the 1% rebate. The rebate will also be reflected in your credit card balance.
- How do I activate my credit card?
- You can activate your PNB Credit Card through the following:
- Text PNB ACTIVATE 16-digital Credit Card number and send to 22566808
Example: PNB ACTIVATE 1234567812345678 - Call PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818
- Text PNB ACTIVATE 16-digital Credit Card number and send to 22566808
- You can activate your PNB Credit Card through the following:
- 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.
- 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.
- 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
- PNB
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. - You can pay your PNB Credit Card bill through any of the following:
- What are the applicable credit card fees and charges?
- Please click here to view all applicable fees and charges.
- I didn’t receive my monthly billing/eSOA. What do I do?
- Please make sure that your registered e-mail address is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
- How do I update my information?
- Call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph. Make sure your mobile no., e-mail address, TIN, SSS/GSIS no, and other info are up to date. Also ensure you submit your latest income tax return (ITR).
- My PNB Debit Card is already signed up to the PNB Digital App. How can I add my PNB Credit Card?
- 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.
- Read and agree to the Terms and Conditions
- Enter the card number and expiry date.
- Enter the 6-digit One-Time PIN (OTP) sent via SMS to your mobile number registered with PNB Cards.
- View the confirmation screen indicating that the account has been added and click Okay.
- 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?
- Please make sure that your registered mobile no. is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
- Who can I contact if ever I have questions or concerns about the credit card?
- 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.
- You can contact us through the following:
- Does the PNB Visa Gold earn rewards points?
- No, the PNB Visa Gold does not earn any rewards points. Please enjoy other exclusive offers such as rebate on revolved interest.
- What can I do with the PNB Digital App?
- Easily sign up your PNB Credit Card
- Pay your PNB Credit Card bill
- Pay bills using your PNB Credit Card
- Check your PNB Credit Card balances and available credit limit
- View Credit Card PIN
- Monitor your PNB Credit Card transactions
- View and download your Electronic Statement of Account (eSOA)
- View the latest PNB Cards promos
- How do I sign up my PNB Credit Card to the PNB Digital App
- Tap Sign Up and agree to the Terms and Conditions.
- Choose Credit Card Number as the sign up option.
- Enter your valid PNB Credit Card Number, Card Expiry Date, and Date of Birth.
- Enter the Online Activation Code (OAC) sent to your e-mail address registered with PNB Cards.
- Enter the 6-digit one-time-PIN (OTP) sent to your mobile number registered with PNB Cards.
- Create a new user ID and password for your PNB Digital Account*.
- Choose your login option:
- Password
- Fingerprint/Touch ID
- Face ID
- 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. - 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.
- 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
- No, the following cannot be signed up to the PNB Digital App:
- 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.
- 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:- PNB Customer Care Hotline: (+632) 8573 8888.
- PNB Customer Care Email: customercare@pnb.com.ph.
- PNB Cards 24/7 Customer Service Hotline: (+632) 8818 9818 or DTF 1800 10 818 9818.
- PNB Credit Cards Email: pnbcreditcards@pnb.com.ph.
- 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 unless you enrolled your lost credit card for Fraud Transaction Insurance, which covers 12 hours prior to reporting of the lost credit card. Fraud Transaction Insurance is on a per credit card enrollment basis.
- Where can I report unauthorized transactions?
- Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818 or download the Dispute Form and e-mail 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 DTF 1800 10 818 9818 or download the Dispute Form and e-mail it to pnbcreditcards@pnb.com.ph.
Promos |
Additional 8% OFF at Agoda with Visa
15% savings at Shiseido
Enjoy 0% with FREE First Month Installment
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