Kris Bernal was born Kristine Ann Tan Bernal on 17 May 1989 in Quezon City, to Edgardo Bernal and Analyn Tan. She has older twin sisters, Kathleen Ann and Katherine Ann and a younger brother named Miguel. She studied in Diliman Preparatory School and Holy Family School for her elementary education and also attended the Holy Family School for her high school education. She attended the Trinity University of Asia for her college education, taking up a nursing course which she has not finished because of her showbiz career.
Bernal joined Starstruck in 2006. After winning as part of the Ultimate Love Team with Mart Escudero, Bernal became part of different GMA shows including Boys Next Door, Zaido: Pulis Pangkalawakan, Dyesebel, and Dapat Ka Bang Mahalin. Although she started in showbiz with Escudero as her partner, Bernal garnered more attention when she was paired with present love team partner Aljur Abrenica. Bernal and Abrenica starred in their first afternoon series Dapat Ka Bang Mahalin in 2009 and a primetime drama series All My Life in the same year. Bernal has also appeared in the movie Mag-iingat Ka Sa... Kulam with Judy Ann Santos and Dennis Trillo.