• LandBank Credit Card

    Land Bank Credit Card
    Credit Card
    Annual Fee
    Reward type
    Land Bank Classic Local
    Annual Fee:
    P850
    Reward type:
    Insurance and Utilities
    Land Bank Gold Local
    Annual Fee:
    P1,100
    Reward type:
    Insurance and Utilities
    Land Bank Classic International
    Annual Fee:
    P1,500
    Reward type:
    Insurance and Utilities
    Land Bank Gold International
    Annual Fee:
    P3,000
    Reward type:
    Insurance and Utilities

    Land Bank has made transaction simpler with convenient and easy to use Land Bank Visa credit cards. The credit cards are globally accepted and have unique features and benefits. You can avail cash advance facility, travel accident insurance, medical insurance, etc.

    Features and Benefits of Land Bank Credit Card

    Following are the various features and benefits of Land Bank credit cards:

    • The credit cards are easy to use.
    • They are accepted all over the world.
    • You can get cash advances of up to 30% of the credit limit.
    • You have 24-hour customer service.
    • You can pay your utility bills with the auto debit facility.
    • You get travel and medical insurance cover.
    • You can convert the high ticket items to deferred payments.

    Eligibility Criteria

    You will have to meet the following requirements to avail a Land Bank credit card:

    • You must be of legal age.
    • You must have a stable source of income.
    • You must not have any canceled credit cards, adversely classified loan, mishandled current account, or court cases.
    • You must have the following minimum annual income:
      • Local Gold: P400,000
      • Local Classic: P240,000
      • International Gold: P400,000
      • International Classic: P300,000

    Documents Requirements to Apply Land Bank Credit Cards

    You must submit the following documents along with your application form:

    • Latest ID Picture.
    • Employed applicants must submit the following:
      • Latest ITR.
      • Latest Pay slip.
      • Valid ID.
      • Certificate of Employment.
      • Co-obligor.
      • Resident aliens must submit Alien Certificate of Registration or I-Card.
    • Businessmen or self-employed applicants must submit the following:
      • Registration papers with Department of Trade or Industries or SEC.
      • Co-obligor.
      • Latest audited financial statements.
      • Latest ITR.
      • Resident aliens must submit Alien Certificate of Registration or I-Card.
    • Corporate card applicants must submit the following:
      • Articles of Incorporation.
      • Certificate of Registration by SEC.
      • Audited financial statements for the last 3 years.
      • Government Corporation must submit Executive Order and Charter creating the government.
      • Auto-debit arrangement.
      • Board Resolution should submit the application for membership, designation of an officer, and issuance of Land Bank Visa card to the authorised personnel.

    Types of Land Bank Credit Cards

    Following are the various types of credit cards offered by Land Bank:

    • LandBank Classic Local: The annual fees charged are low. The finance fee charged is 3.25%. You also get supplementary credit cards. You get Travel and Medical insurance cover.
    • LandBank Gold Local: The finance fee charged is 3.25%. You also get supplementary credit cards. You get Travel and Medical insurance cover.
    • LandBank Classic International: The finance fee charged is 2.5%. You also get supplementary credit cards. You get Travel and Medical insurance cover.
    • LandBank Gold International: The finance fee charged is 2.5%. You also get supplementary credit cards. You get Travel and Medical insurance cover.

    Supplementary Cards

    You get supplementary credit cards with your Land Bank credit cards. The annual fee charged ranges from P500 to P1,000. The supplementary credit card holder gets the same benefits that a principal cardholder gets.

    Insurance on Land Bank Credit Card

    You will get the following insurance covers with your Land Bank credit cards:

    • Medical insurance: You get insurance against accidental death or dismemberment if your account is active at the time of death or accident.
    • Travel insurance: When you charged your travel ticket in full to Land Bank credit card, you will get Travel Accident Insurance.

    Land Bank Credit Card Fees and Charges

    Following are the applicable fees and charges:

    Annual fees – Principal card

    Classic Local: P850

    Gold Local: P1,000

    Classic International: P1,500

    Gold International: P3,000

    Annual fees – Supplementary card

    Classic Local: P500

    Gold Local: P500

    Classic International: P500

    Gold International: P1,000

    Finance charge

    Peso transactions: 3.25%

    Dollar transactions: 2.5%

    Minimum amount due 3% of the outstanding balance, installment amortization, overdue amount, and over-limit amount or P200 or $5, whichever is higher.
    Late payment fee

    Peso transactions: 2.25% of the minimum amount due.

    Dollar transactions: 2% of the minimum amount due.

    Interest on cash advance 5% of the amount withdrawn.
    Cash advance service fee

    Local cards: P50 for every transaction.

    International cards: $2 for every transaction.

    Card replacement fee P300
    Returned cheque fee

    P500 for local cards.

    International cards aren’t charged any returned cheque fee.

    Foreign transaction conversion rate 1% assessment fee plus 1% of converted amount.
    Sales slip retrieval fee

    Peso slip – P350

    Dollar slip - $8

    Instalment pre-termination fee 5% of the principal amount or P300, whichever is higher.

    How to Apply for a LandBank Credit Card?

    You can apply for a credit card by visiting the nearest Land Bank branch. You can also apply for Land Bank credit card online. You will have to fill out your personal and employment information when applying for the card. You can also apply for the supplementary card online.

    Land Bank Credit Card Hotline

    You can reach Land Bank through the following ways:

    • Phone: 632-405-7281, 632-405-7282, 632-405-7275
    • 24-hour customer care number: 632-405-7000, toll-free number: 1-800-10-405-7000.
    • Mail: Credit Card Administration Department 28th Floor, Land Bank Plaza, 1598 M.H. Del Pilar Corner, Dr.Quintos Streets, Malate, Manila.

    FAQs about Landbank Credit Card

    1. What is the interest rate charged on the cash advances made?
    2. You get charged an interest rate of 5% on the amount withdrawn.

    3. Will I be charged a fee for a replacement of a credit card?
    4. Yes, you will be charged P300 when you request for a replacement of a credit card.

    5. What is the minimum amount due?
    6. You will be charged 3% of the outstanding balance or P200/$5, whichever is higher.

    7. Who can avail Land Bank credit cards?
    8. Self-employed individual, employed individual, and corporate customers can avail Land Bank credit card.

    9. Are supplementary cards charged an annual fee?
    10. Yes, supplementary credit cards will be charged an annual fee. The annual fee ranges from P500 – P1,000.

    11. Will I get any insurance cover with my Land Bank credit card?
    12. Yes, you will get travel and medical insurance cover with your Land Bank credit card.

    13. How to report a lost or stolen Land Bank credit card
    14. If you credit card is lost or stolen, you must immediately report to the Land Bank customer service at 888-1700 or 1-800-1-888-6296. You can also write to Land Bank. You can also request for a card replacement at the time of reporting it lost or stolen. When you report the card, you will be free from the liability from fraudulent charged made from the time you report the loss.


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