The PSBank Credit Mastercard is a basic credit card option for those looking for easy access and no annual fees. It does not offer rewards, but stands out with a lower minimum income requirement (compared to M Free), making it more accessible to a wider range of applicants. This card is suited for individuals who want a straightforward card for everyday use without additional costs.
Card Tier:
Rewards Type:
Best For:
Min Annual Income:
350,000
Annual Fee:
0
Annual Fee Policy:
No annual fee for life
Credit to Cash:
n/a
Purchase Installment:
n/a
Balance Conversion:
Balance Conversion
Balance Transfer:
Balance Transfer
Special Installment:
0% Installment, Shop Now Pay Later
Send Money:
PayNow
Bills Payment:
n/a
Click an item to view other credit cards with the same feature or benefit.
n/a
Click an item to view other credit cards with the same feature or benefit.
Annual Fee:
0
Annual Fee note:
Annual Fee Supplementary:
0
Annual Fee Supplementary note:
Free for life
Retail Monthly Interest Rate:
3%
Cash Advance Monthly Interest Rate:
3%
Cash Advance Fee:
₱200
Processing Fee – Credit to Cash:
n/a
Processing Fee – Purchase Installment:
n/a
Processing Fee – Balance Conversion:
₱500
Processing Fee – Balance Transfer:
₱350
Send Money Fee:
₱25
Note: The installment processing and Send Money fees shown above reflect the minimum applicable amount. Actual fees may vary depending on the transaction amount, currency involved, or how the request is initiated (e.g., through electronic channels or via customer service).