Get up to P1,000 Cashback with your new PNB Credit Card

Promo Mechanics

1. Eligibility Requirements:
   • New-to-bank credit card applicants of the following card type: PNB Essentials Mastercard, PNB-PAL Mabuhay Miles NOW Mastercard, PNB Platinum Mastercard, PNB-PAL Mabuhay Miles Platinum Mastercard, or PNB-PAL Mabuhay Miles World Mastercard.
   • Applicants must not have any closed/cancelled PNB Credit Card(s) within the last 6 months from start of the promo.
   • All principal new-to- bank cardholders who have applied any one (1) of the said credit cards above from August 1, 2024 to December 31, 2024, been subsequently approved and issued a card are eligible to join the promo.
   • All approved cardholders must be active and should meet the minimum spend requirement/s from August 1, 2024, to January 31, 2025.
2. Qualified transactions include the following:
   • All local and overseas retail transactions
   • For credit cards with the dual currency feature, the overseas spend will be computed based on Mastercard and PNB’s prevailing currency conversion rates.
3. The following transactions are EXCLUDED from the promo:
   • Credit Card Fees & Charges
   • Reversed / disputed transactions
   • Cash Advance via ATM or over the counter
   • Non-merchant Installments
   • Merchant Installment transactions
   • Supermarket/Grocery transactions (under Merchant Category Code (MCC) Nos. 5411, 5422, 5451, 5499), drugstore transactions (MCC Nos. 5122, 5912), and gas station transactions (MCC Nos. 5541, 5542).
   • Gambling transactions (MCC Nos. 7995, 9406, 7801, 7802, 7800)
4. A qualified spend must meet the following minimum single-receipt transaction:

   Card Type	Valid Spend
   PNB Essentials	P 2,000
   PNB-PAL Mabuhay Miles NOW	P 2,000
   PNB Platinum	P 5,000
   PNB-PAL Mabuhay Miles Platinum	P 5,000
   PNB-PAL Mabuhay Miles World	P 10,000

   Card Type	Valid Spend
   PNB Essentials	P 2,000
   PNB-PAL Mabuhay Miles NOW	P 2,000
   PNB Platinum	P 5,000
   PNB-PAL Mabuhay Miles Platinum	P 5,000
   PNB-PAL Mabuhay Miles World	P 10,000

5. Upon meeting the qualified spend, cardholders will receive cashback as a one-time welcome gift:

   Card Type	Cashback
   PNB Essentials	P 250
   PNB-PAL Mabuhay Miles NOW	P 250
   PNB Platinum	P 500
   PNB-PAL Mabuhay Miles Platinum	P 500
   PNB-PAL Mabuhay Miles World	P 1,000

   Card Type	Cashback
   PNB Essentials	P 250
   PNB-PAL Mabuhay Miles NOW	P 250
   PNB Platinum	P 500
   PNB-PAL Mabuhay Miles Platinum	P 500
   PNB-PAL Mabuhay Miles World	P 1,000

6. Cashback will be credited to the cardholder’s newly issued credit card account within 60 days after meeting the spend requirement.
7. Cashback is non-transferrable and cannot be exchanged/converted to other items.
8. The cashback promo can be availed of only once.
9. Qualified credit cardholders will be notified via SMS/E-mail that they qualified for the promo.
10. Credit cardholders will also receive an SMS/E-mail once the cashback has been credited to their respective PNB credit card/s.
11. This promotion will not apply in conjunction with any other existing bank promotions.
12. Standard processing of new-to-bank application is from 10 to 15 banking days upon receipt of application with complete requirements.
13. The cardholder should maintain his/her card account in active and current status for at least 12 months from approval. Otherwise, PNB may charge back the amount to the cardholder’s account.
14. Applications are subject to credit verification and evaluation, and are governed by The Terms and Conditions Governing the Issuance and Use of PNB Credit Cards, which is incorporated herein by reference and made an integral part hereof. PNB reserves the right to decline, terminate, or cancel an application and its eligibility to the promo and may or may not disclose the reason for rejection of an application.
15. Cardholders who replace, upgrade, downgrade or convert their existing credit cards to another credit card product within the promo period will not be eligible to join this promo.
16. In case of dispute on cardholder’s eligibility for the promo, or questions on redemption, PNB’s decision shall be final with the concurrence of the Department of Trade and Industry (DTI).
17. Any changes to this Promo Mechanics are subject to DTI approval.