Unlock Your Financial Possibilities with LANDBANK Credit Card! Experience financial freedom, rewards and secured spending – all with the lowest fees and charges in the market.
Why choose LANDBANK Credit Cards?
LANDBANK Credit Cards are Mastercard-branded, globally accepted, and offer secure, cashless transactions, designed for everyday use whether in-store, online or abroad!
Key Features and Benefits
• No Maintenance Fee
• No Overlimit Fee
• No Installment Conversion Fee
• Lowest Late Payment Penalty Fee: only 2.25% of Minimum Amount Due, no minimum cap
• Enjoy Mastercard’s Global Promotions: Access a wide range of exclusive discounts, offers, and experiences sponsored by Mastercard—including travel, dining, shopping, and entertainment deals around the world!
More Reasons to Switch to LANDBANK Credit Cards
• Interest Rate: 3% per month on unpaid balances
• Foreign Transactions: Mastercard’s exchange rate + 2% assessment and service fees
• Cash Advance Fee: 5% of amount withdrawn but not to exceed ₱200 (hyperlink the video)
• Card Replacement Fee: ₱300
• Minimum Amount Due: 3% of outstanding balance or ₱200 (whichever is higher), plus installment amount and any overdue or overlimit amounts
• Loyalty Program: 1 point earning for every P50 spend
• Installment Programs: 1% monthly add-on rate via Easy Pay and Easy Cash for Emergencies
Choose LANDBANK Credit Cards, Where Value Meets Simplicity.
No surprise charges. Just pure financial convenience.
With annual fee of P1,000 for principal and P250 for supplementary
With annual fee of P2,500 for principal and P1,000 for supplementary
Designed for government agencies and corporate entities
| Particulars | MASTERCARD |
|---|---|
| FINANCE CHARGE (Monthly Effective Interest Rate) | 3% |
| LATE PENALTY FEE | 2.25% (based on Unpaid Minimum Amount Due) |
| CASH ADVANCE FEE | 5% of amount withdrawn but not to exceed P200 |
| SALES SLIP RETRIEVAL FEE | P350 |
| CARD REPLACEMENT FEE | P300 |
| FOREIGN EXCHANGE CONVERSION RATE | Based on prevailing Mastercard Foreign Currency Conversion Rate plus 2% Assessment and Service Fee |
| INSTALLMENT PRE-TERMINATION FEE | 5% of remaining balance or P300 whichever is higher |
| RETURNED CHECK FEE | P500 |
| STATEMENT PRINTING / REPRINTING FEE | P100 (to be charged per month) |
With the new EMV-chip enabled credit card you can enjoy:
| Single Currency Billing | Billing is in Philippine Peso for Peso and other foreign currency transactions | |
| Purchase E-mail Alert | Alerts sent to cardholders thru nominated valid e-mail address for every purchase made regardless of the amount | |
| 3D Secure One-Time Password (OTP) | An added security feature for online purchase. This is sent to cardholder’s registered mobile number and is used to authenticate the transaction. | |
| EMV chip-enabled (Europay, Mastercard, Visa) | With embedded microprocessor chip that stores and protects cardholder data | |
| Loyalty Program (excluding GPC) | Php 50 spend = 1 point No expiry (points will be forfeited once cancelled) Usage of points is via cash rebates | |
| Electronic Statement of Account (eSOA) | Sent to cardholder’s nominated valid e-mail address. Default password is capitalized first four letters of Cardholder’s Full Name (arranged as First Name, Middle Name, Surname), Day (DD) and Month (MM) of birth. | |
| Minimum Amount Due (excluding GPC) | This is the sum of the following: - 3% of Outstanding Balance (less Over Limit, and /or Installment Amount, if any) or P200 whichever is higher - Installment Amount; - Overdue Amount; and - Over-limit Amount, if any | |
| Cash Advance Limit (excluding GPC) | 30% of Credit Limit | |
| Billing Cycle Cut-off | • Classic Card – every 15th of the month • Gold Card – every 28th of the month • Corporate Card/GPC – every 28th of the month |
