Who can apply for the PNB Ze-Lo Mastercard?
PNB issues the Ze-Lo to applicants between 21 and 65 years old with a minimum annual income of ₱120,000 and a clean credit record. Filipino citizens apply with a valid ID and proof of income; foreign nationals need extra documents such as an ACR I-Card or a work permit, as the catalog notes.
Meeting the requirements lets you apply; PNB decides the approval and the credit limit, which the catalog lists as not published, after reviewing the documents.
Requirements for the PNB Ze-Lo Mastercard
✔️ Age between 21 and 65 years old
✔️ Minimum annual income of ₱120,000
✔️ One valid government-issued photo ID
✔️ Employees: latest payslip, certificate of employment or ITR; self-employed: latest ITR and business documents
✔️ Foreign nationals: ACR I-Card, work permit or equivalent, in addition to the above
A tip for you!
Treat the no-late-fee rule as a safety net, not a habit: interest still accrues on the overdue amount at 2.5% a month.
Ask for the cash advance and foreign transaction fees before using those services; the catalog does not publish them.
Keep a modest limit and pay in full; with no annual fee, the card costs nothing when there is no revolving balance.
What are the fees of the PNB Ze-Lo Mastercard?
Annual fee: none, for life. Late payment fee: none. Over-limit fee: none. Finance charge: 2.5% a month on revolving balances. Cash advance, foreign transaction and other charges follow PNB’s table of fees, published on the bank’s website, which does not allow automated reading; check the current table before applying.
How to apply for the PNB Ze-Lo Mastercard?
Apply through the PNB credit cards page or at any PNB branch: complete the form, submit your ID and proof of income and wait for the bank’s evaluation. Once approved, the card is delivered and activated through PNB’s channels.
Press the button to go to the official PNB page for the Ze-Lo Mastercard.
Kredua is not a bank, a lending company or a financial institution, and we do not grant credit. We review products offered in the Philippines so you can decide with more information; every application is made directly with the institution, which is the only one that evaluates and approves it.
