PNB JCB Platinum

Lounges

• Up to 14 complimentary airport lounge visits worldwide: 6x FREE access at airport lounges in Japan and Hawaii, 8x FREE access at select lounges worldwide via LoungeKey
• FREE access to JCB Lounge at Universal Studios Japan with priority access to the Flying Dinosaur Attraction

Installment

• Auto-convert eligible online purchases to 3-month, 0% installment plan (single-receipt transactions of at least PHP 30,000 with fixed one-time processing fee of PHP 300)
• Zero % Affordable Payment Plan (ZAPP): 0% installment up to 24 months from select PNB-affiliated partner merchants

Insurance

• Free purchase protection insurance up to PHP 250,000 annually for accidental damage and theft within 90 days of purchase

Travel

• Free travel insurance up to PHP 3 million when roundtrip land, air, or sea tickets are charged to the card, covering flight delays and lost luggage