LANDBANK Credit Card

The LANDBANK Credit Card provides the means for the cardholder to conveniently and safely make cashless purchases from MasterCard accredited merchants and/or facilitate cash advances.

Understanding the Fees and Charges of your LANDBANK Credit Card



Type of Card



Annual Membership Fee - Principal



Annual Membership Fee – Supplementary



Cash Advance Interest

5% of amount withdrawn

Foreign Exchange Conversion Rate

Based on prevailing MasterCard Foreign Currency Conversion Rate  plus 2% Assessment and Service Fee

Card Replacement Fee

P300 for each card

Returned Check Fee


Sales Slip Retrieval Fee


Statement Reprinting Fee


Instalment Pre-termination Fee

5% of remaining balance or P300, whichever is higher




Finance Charge

Late Payment Fee

Single Currency Billing (in Peso) for Peso  and

other foreign currency transactions


2.25% based on Minimum Amount Due

  • Free annual membership fee for the first year and the cardholder shall be charged an annual fee every year thereafter.
  • If you settle in full on or before the Payment Due Date, there is no applicable Finance Charge that will be imposed.
  • If you settle only the Minimum Amount Due or any amount less than the outstanding balance on or before the Payment Due Date, you will be treated as a Borrower or "Revolver". Hence, a Finance Charge (based on the prevailing Interest Rate) will be imposed on the unpaid balance stated in your previous statement of account, and on all new transactions posted within the statement period computed from postdate until the current statement date.

The Minimum Amount Due (MAD) is the sum of the following: 

  1. 3% of your Outstanding Balance (less instalment amount, if any) or P200 whichever is higher;
  2. Instalment Amount; and
  3. Overdue Amount.

If with Over-limit, the MAD shall be the sum of the following:

  1. 3% of CREDIT LIMIT (less Instalment Amount, if any) or P200 whichever is higher;
  2. Instalment Amount;
  3. Overdue Amount; and
  4. Over-limit Amount.
  • Payment of only the Minimum Amount Due or any amount less than the Outstanding Balance on or before the Payment Due Date shall result in the imposition of interest and/or other charges. Partial payments also extend the period required to settle the full outstanding balance. Payments made after the Payment Due Date shall be subject to Late Payment Charges.

You may pay your LANDBANK Credit Card account either by cash or by check thru     the (i) Over-the-Counter at LBP Branches/EOs thru the Online Collection (OnColl) Facility, (ii) LANDBANK e-Payment Portal (ePP), and (iii) LANDBANK iAccess (enrolment at your branch of account is required).

To avoid penalty charges, please make your payments on or before the Payment Due Date. Payments (cash and checks including On-Us Checks) will be posted within 3 to 7 banking days.


  • Classic International
  • Gold International


  • Interest Rate. Lower Interest Rate at 3% per month. 
  • Wide Acceptability. LANDBANK Credit Card has global acceptance in over 30 million accredited merchants and convenient money access with  2.7 million ATMs across the globe.
  • Card Acceptance. LANDBANK Credit Card is accepted in all local and international thru participating /accredited merchants and member-banks of MasterCard.
  • Security. Enhanced card security features thru EMV Technology to safeguard customer and card information, and reduce card fraud in Card Present transaction.
  • Cash Advance. Up to 30% of credit limit through ATMs of MasterCard member banks.
  • Statements of Account. Electronic Statements of Account is sent thru cardholder’s nominated e-mail and/or billing address.
  • Minimum Amount Due. Allows the cardholder to pay a minimum of P200 or 3% of outstanding balance (less instalment amount if any), instalment amount and overdue amount whichever is higher. In case of over-limit, the minimum amount due shall be the sum of the 3% of credit limit (less instalment amount, if any) or P200 whichever is higher, instalment amount, overdue amount and over-limit amount.
  • 24 Hour Lost Card Hotline. Hotline service for lost/stolen cards: Call LANDBANK Customer Care Center (CCC) at (02) 405-7000 or PLDT Domestic Toll-Free Number 1-800-10-405-7000
  • Lost Card Insurance. Cardholders are automatically enrolled in the lost card protection program wherein cardholders are insured against unauthorized purchases up to P300,000.
  • Personal Accident Insurance. Active cardholders are insured of up to P2,000,000 in case of personal accident.
  • Single Currency Billing. LANDBANK Credit Card features a Single Currency Billing where any foreign transaction will be billed in Peso.
  • Rewards Program. Cardholders earn one (1) Reward Point for every P30 spent online or via Point-Of-Sale (POS) terminals. Use points to pay for purchases, card annual fees and other charges.
  • Wide Network of Payments Centre. Accessible payment centres available to LANDBANK credit cardholders:


Minimum requirements to apply for the LANDBANK Credit Card are:

  • Applicant must be of legal age
  • Applicants must have a stable source of income
  • No adverse findings on Credit Information checking
  • Required annual income
  • Classic - P240,000
  • Gold - P400,000


  • Duly filled out Credit Card Application Form
  • Latest 1x1 ID picture


For Employed Applicants

  • Latest Income Tax Return (ITR)
  • Certification of Employment with complete breakdown of salaries and remunerations
  • Payslips for the last three (3) months
  • Valid ID (with photo and signature)
  • Proof of Billing Address
  • Alien Certificate of Registration (ACR) or I-Card (for resident aliens)

For Businessmen/Self-Employed Applicants

  • Registration papers with Department of Trade and Industry or Securities and Exchange Commission (SEC)
  • Latest Audited Financial Statements and ITR
  • Valid ID (with photo and signature)
  • Proof of Billing Address
  • Alien Certificate of Registration (ACR) or I-Card (for resident aliens)

For Corporate Card Applicants

  • Articles of Incorporation and By-Laws with related Certificate of Registration issued by SEC
  • Audited Financial Statements and ITR for the last three (3) years
  • Board Resolution or Secretary's Certificate authorizing the following:
  • The application for membership
  • Issuance of the LANDBANK Visa Card to such authorized personnel; and
  • The designation of an officer of the company to sign for and in behalf of the company
  • For Government Corporations:
  • Charter or Law creating the government corporation/office/agency; or
  • Executive Order creating the government entity
  • Auto-debit Arrangement


24-Hour Customer Care Center Numbers

  • Hotline No. (02) 405-7000 (Metro Manila)
  • PLDT Domestic Toll-Free No: 1-800-10-405-7000 (Outside Metro Manila)