PNB Ze-Lo Mastercard review, fees and requirements
The lowest income rule we found, and no annual fee ever. Few rewards. It is a card for building history, and a good backup card later.
Benefits of the Ze-Lo Mastercard
From PNB’s own card page.
- No annual fee for life, supplementary cards too (PNB fee table)
The lowest income rule we found, and no annual fee ever.
Few rewards. It is a card for building history, and a good backup card later.
What it costs
- Annual fee
- No annual feeFree for life (PNB fee table)
- Supplementary card
- Ask the bank
- Interest
- Up to 3% a month (BSP cap)Only if you don’t pay the full balance by the due date
- Late payment
- Ask the bank
- Cash advance
- Ask the bankPlus interest from day one
- Foreign currency
- Ask the bank
What PNB asks for
- Gross income of about ₱10,000 a month (₱120,000 a year)
- No existing credit card needed
- A valid government ID and proof of income (payslips, COE or BIR Form 2316; ITR if self-employed)
- Age 21 or older is the usual rule for principal cardholders; check the bank’s form
Approval is the bank’s call. Applying where your salary or savings already are helps.
Cards to compare with the Ze-Lo Mastercard
Similar cards from other banks, and the next level up.
A no-fee first card from a bank with a strong app.
- Annual fee
- No annual feeNo annual fee
- Income needed
- ₱15,000/mo₱180,000 a year
Check the current fee and perks on UnionBank’s page; promos change.
See it on UnionBank From comparison listings · confirm with the bank · November 2026Maya app users who want to apply and manage the card on their phone.
- Annual fee
- No annual feeNo annual fee while you use it; an inactivity fee can apply after months without use
- Income needed
- ₱15,000/mo₱180,000 a year
Offered to eligible Maya users. Check “Credit card” in the Maya app to see if you can apply.
See it on Maya From comparison listings · confirm with the bank · November 2026BPI payroll or savings clients: your bank already knows you.
- 1 BPI point for every ₱35, points never expire
- Redeem for shopping credits, gift vouchers or airline miles
- Track and redeem points in the Vybe app
- Annual fee
- ₱1,550/yrFirst supplementary card free for life
- Income needed
- ₱20,000/mo₱20,000 a month
It has an annual fee. Ask for a waiver after the first year, or redeem points for it.
See it on BPI From the bank’s own pages · November 2026
PNB Ze-Lo Mastercard: questions
Free for life (PNB fee table). Check PNB’s page before applying; fee waivers can be promos.
About ₱10,000 a month (₱120,000 a year), as published by PNB. Banks also look at your credit record and existing cards.
Yes. It is a starter card, and applying where you already bank helps.
How this page works. Figures come from PNB’s own pages, checked November 2026. Banks change fees and rules and decide approvals case by case, so confirm on PNB’s page before you apply. If the button above is a partner link it says so; PesoPilot may earn a fee when an application is approved, at no cost to you, and it never changes what we say about a card. Educational, not financial advice.