Producers Bank
Mastercard Credit Card
Available in three tiers — Classic, Gold, and Platinum — giving you convenience, security, and rewards wherever you go.
Classic PHP 20,000 – PHP 50,000 limit |
Gold PHP 51,000 – PHP 200,000 limit |
Platinum PHP 201,000 and above |
Why Choose Producers Bank Mastercard
Reasons to Own a Credit Card
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💳
Convenience Pay anywhere, anytime — in-store or online. |
🆕
Special Discounts on Promos Exclusive deals and offers from partner merchants. |
💻
Online Transactions Shop and transact securely online worldwide. |
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📅
Flexible Payments Spread large purchases over manageable installments. |
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Emergency Funds Access to credit when unexpected expenses arise. |
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Build Credit Score Responsible use builds a strong credit profile. |
Card Types
Types of Credit Cards Offered
Rates & Limits
Interest Rates at a Glance
| Card Type | Monthly Interest Rate | APR | Annual Fee |
| Classic | 2.50% – 3.50% | 30% – 42% | PHP 1,200 |
| Gold | 2.00% – 3.00% | 24% – 36% | PHP 2,400 |
| Platinum | 1.50% – 3.00% | 18% – 30% | PHP 3,000 |
Interest applies to unpaid balances after the payment due date. Cardholders can avoid interest charges by paying the full outstanding balance before the due date. Credit limits are determined based on income, credit history, and financial standing.
Fees & Charges
Other Fees
| Fee | Amount |
| Late Payment Fee | PHP 850 or unpaid Minimum Amount Due, whichever is lower |
| Over-Limit Fee | Not applicable — credit limit enforced by the system |
| Cash Advance Fee | PHP 200 |
| Foreign Transaction Fee | Prevailing Mastercard foreign currency conversion rate + 2% |
| Paper Statement Fee | PHP 100 per month |
Grace Period: All cardholders are entitled to a 21-day grace period from the statement date for retail purchases. Paying the full balance within the grace period means no interest on new purchases. The grace period does not apply to cash advances or revolving balances.
Earn While You Spend
Rewards Program
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PHP 1 per PHP 1,000 spent Classic |
PHP 1 per PHP 1,000 spent Gold |
PHP 1 per PHP 1,000 spent Platinum |
Redeem points for airline miles, cashback, gift vouchers, or merchandise. Points expire after 2 years. Terms and conditions apply.
Perks
Additional Benefits
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🛡 Purchase Protection Protection against theft or accidental damage within 90 days of purchase. Gold and Platinum cards include higher coverage and extended protection periods. |
✈ Travel Insurance Complimentary when ticket is purchased with the card. |
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🌐 Mastercard Privileges Global discounts on travel, dining, and retail, plus access to exclusive events and experiences worldwide. |
⭐ Platinum Exclusives VIP airport lounge access, 24/7 concierge services, and enhanced travel insurance coverage for premium cardholders. |
Your Safety Comes First
Security Features
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🔑 EMV Chip Technology Enhanced in-store security reducing the risk of card cloning and fraud. |
🔐 Mastercard SecureCode OTP or biometric verification required for all online purchases. |
📌 Fraud Monitoring Real-time transaction monitoring with instant alerts for suspicious activity. |
Billing
Statements & Billing Cycle
Cardholders receive monthly statements (30-day billing cycle) detailing transactions, fees, interest charges, and amounts due. Each statement includes:
| • Total outstanding balance |
| • Minimum payment due |
| • Payment due date |
| • Interest charges (if applicable) |
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📧 Electronic Statement (eSOA) Automatically emailed every billing cut-off, password-protected in PDF format. Free of charge. |
📄 Paper Statement (Optional) Available upon request. A printing fee of PHP 100 per month will be charged to the cardholder’s account. |
Get Started Today
Apply for a Mastercard Credit Card
Visit any of Producers Bank’s 300+ branches nationwide to apply.
or call our Credit Card Department at 📞 (02) 7777-9040