PNB-PAL Mabuhay Miles
Prepaid Mastercard

It’s a reloadable card which lets you purchase online or at any Mastercard and Maestro accredited merchant worldwide while you earn Mabuhay Miles. It can be used at any International ATM with Mastercard network and can be enrolled in the PNB Digital App. Apply for a PNB-PAL Mabuhay Miles Prepaid Mastercard at any PNB Branch today!

PNB Prepaid Cards are not covered by Philippine Deposit Insurance Corporation (PDIC).

Card Fee

Personalized (w/ name)
Non-Personalized (w/o name)

PHP250
PHP150

Top-up and Balance Limit

Monthly Aggregate Top-up and Balance Limit

PHP100,000

Ready to get a card?

Not yet a Mabuhay Miles Member?

Got more questions?

PNB-PAL Mabuhay Miles Prepaid Mastercard

PNB Prepaid Cards are not covered by Philippine Deposit Insurance Corporation (PDIC).

Card Fee

Personalized (w/ name)
Non-Personalized (w/o name)

PHP250
PHP150

Top-up and Balance Limit

Monthly Aggregate Top-up and Balance Limit

PHP100,000

Ready to get a card?

Not yet a Mabuhay Miles Member?

Got more questions?

How to Get a PNB-PAL Mabuhay Miles Prepaid Mastercard

Download and fill-out the Customer Information Form

Visit any PNB branch and present requirements

Pay for the Prepaid Card Fee

Wait for your card, top-up, and change PIN

How to Get a
PNB-PAL Mabuhay Miles Prepaid Mastercard

	Download and fill-out the Customer Information Form
	Visit any PNB branch and present requirements
	Pay for the Prepaid Card Fee
	Wait for your card, top-up, and change PIN

Requirements for Card Application

1 Government-issued
Valid ID

Mabuhay Miles Number

Fully-accomplished Forms

Card Fee of Prepaid Card

Requirements for
Card Application

	1 Government-issued Valid ID
	Mabuhay Miles Number
	Fully-accomplished Forms
	Card Fee of Prepaid Card

PNB-PAL Mabuhay Miles
Prepaid Mastercard

✓	Earn points when you spend using your PNB-PAL Mabuhay Miles Prepaid Mastercard and redeem for Mabuhay Miles
✓	Accepted at any BancNet, MegaLink, or ExpressNet ATMs in the Philippines
✓	Accepted here and abroad at Mastercard and Maestro affiliated shops and ATMs
✓	Top-up using PHP currency at PNB Branch, PNB CAM, PNB ATM, and PNB Digital App. Subject to monthly maximum top-up limit of PHP 100,000

PNB Prepaid Card Terms and Conditions

PNB Prepaid Card Rewards Program Terms and Conditions

PNB-PAL Mabuhay Miles Prepaid Mastercard

✓	Earn points when you spend using your PNB-PAL Mabuhay Miles Prepaid Mastercard and redeem for Mabuhay Miles
✓	Accepted at any BancNet, MegaLink, or ExpressNet ATMs in the Philippines
✓	Accepted here and abroad at Mastercard and Maestro affiliated shops and ATMs
✓	Top-up using PHP currency at PNB Branch, PNB CAM, PNB ATM, and PNB Digital App. Subject to monthly maximum top-up limit of PHP 100,000

PNB Prepaid Card Terms and Conditions

PNB Prepaid Card Rewards Program Terms and Conditions

Frequently Asked Questions

PREPAID CARD
USAGE

PREPAID CARD USAGE

1. What can I do with the PNB-PAL Mabuhay Miles Prepaid Mastercard?

Check balance via ATM or Customer Care Hotline (+632) 8573 8888

Withdraw your money from ATMs

Transfer funds via PNB ATM and PNB Digital App

Pay bills via PNB ATM and PNB Digital App

Shop online or pay at Point-of-Sale (POS) Terminals

2. Does the card have a maintaining balance?

The PNB Prepaid Card is not a deposit account and it does not require a maintaining balance. A cardholder may utilize the entire amount loaded in the card.

3. Will the balance/load left in the card earn interest?

Any amount of money/load left in the card will not earn interest because PNB Prepaid Card is not a deposit account.

4. How can I use the card in making online purchases?

Make sure there are enough funds to cover the purchase. Follow the steps:

Select Mastercard as mode of payment
Input 16-digit PNB Prepaid Card number
Input card expiry date
Input Card Verification Code (CVV), which is the 3-digit code found at the upper-right portion of the signature panel
A One-Time Password (OTP) will be sent to the cardholder’s registered mobile number
Finalize and confirm the transaction

5. How can I check my Prepaid transaction/s?

Transaction/s can be checked by the cardholder via PNB Cards Customer Care Hotline at (+632) 8573 8888 and PNB Digital App.

6. Can I own multiple PNB Prepaid Cards?

Yes. There are no restrictions to the number of cards a person can own as long as you are aware of the aggregate top-up and balance limit shared across all prepaid cards.

7. Can I transfer funds to other PNB Prepaid Cards?

Yes, you can transfer funds to PNB Prepaid Cards by PNB Branch Over the Counter, PNB Digital App, and PNB ATM.

1. What can I do with the PNB-PAL Mabuhay Miles Prepaid Mastercard?

	Check balance via ATM or Customer Care Hotline at (+632) 8573 8888
	Withdraw your money from ATMs
	Transfer funds via PNB ATM and PNB Digital App
	Pay bills via PNB ATM and PNB Digital App
	Shop online or pay at Point-of-Sale (POS) Terminals

2. Does the card have a maintaining balance?

The PNB Prepaid Card is not a deposit account and it does not require a maintaining balance. A cardholder may utilize the entire amount loaded in the card.

3. Will the balance/load left in the card earn interest?

Any amount of money/load left in the card will not earn interest because PNB Prepaid Card is not a deposit account.

4. How can I use the card in making online purchases?

Make sure there are enough funds to cover the purchase. Follow the steps:

Select Mastercard as mode of payment
Input 16-digit PNB Prepaid Card number
Input card expiry date
Input Card Verification Code (CVV), which is the 3-digit code found at the upper-right portion of the signature panel
A One-Time Password (OTP) will be sent to the cardholder’s registered mobile number
Finalize and confirm the transaction

5. How can I check my Prepaid transaction/s?

Transaction/s can be checked by the cardholder via PNB Cards Customer Care Hotline at (+632) 8573 8888 and PNB Digital App.

6. Can I own multiple PNB Prepaid Cards?

Yes. There are no restrictions to the number of cards a person can own as long as you are aware of the aggregate top-up and balance limit shared across all prepaid cards.

7. Can I transfer funds to other PNB Prepaid Cards?

Yes, you can transfer funds to PNB Prepaid Cards by PNB Branch Over the Counter, PNB Digital App, and PNB ATM.

CARD
TRANSACTIONS

CARD TRANSACTIONS

1. Where can I use the PNB-PAL Mabuhay Miles Prepaid Mastercard?

✓ Local ATMs (BancNet, Megalink, and

ExpressNet)

✓ Mastercard online transactions

✓ Local Mastercard and Maestro Merchants

✓ International ATM Networks

(Mastercard and Maestro)

✓ International Mastercard and

Maestro Merchants

✓ Mastercard online transactions

2. How is the PNB-PAL Mabuhay Miles Prepaid Mastercard activated?

Branch will process the card activation upon issuance of the physical Prepaid Card.

3. What is top-up?

Top-up is also known as the act of loading/reloading your PNB PNB-PAL Mabuhay Miles Prepaid Mastercard.

4. Where can it be loaded?

The PNB-PAL Mabuhay Miles Prepaid Mastercard can be loaded in all servicing PNB Branches, PNB Automated Teller Machine (ATM), PNB Cash Accept Machine (CAM), ATM/CAM Hybrid Terminal, PNB Digital App, and other bank’s Digital App via Instapay.

5. How do I top-up in the branch?

Go to the nearest PNB branch and proceed to Teller
Fill-out Deposit Slip
Specify account number, cardholder’s name, and the amount to top-up (including the Php 20.00 Top-up fee)
NAC will confirm desired top-up amount is allowed within the monthly aggregate top-up limit
Keep the validated deposit Slip after the succesful top-up.

There’s no need to bring your PNB-PAL Mabuhay Miles Prepaid Mastercard to top up. Just give/ enter your Prepaid Card Account Number.

6. After the initial top-up, can I immediately use it for ATM and POS transactions?

No, you must first change your PIN in any PNB ATM. The default PIN is indicated in or attached to the card kit.

7. How much are the top-up and transaction limit?

PHP 50,000

maximum ATM withdrawal
limit per transaction

NO LIMIT

maximum POS and ATM
transaction limit per day

PHP 100,000

maximum top-up balance

PHP 100

minimum top-up amount
(top-up fee not included)

PHP 100,000

maximum top-up per month
(top-up fee not included)

8. What is the maximum top-up limit and when will it refresh?

The maximum top-up limit is the total amount that can be loaded across all your PNB Prepaid Cards at any given time which amounts to PHP 100,000.

9. How can I know how much is left in my monthly aggregate top-up limit?

You can check your remaining monthly aggregate top-up limit through PNB Customer Care Hotline at (+632) 8573 8888 or visit any of the PNB Branches nationwide.

10. What happens if requested top-up goes over the monthly limit?

The system will automatically reject requested top-up.

1. Where can I use the PNB-PAL Mabuhay Miles Prepaid Mastercard?

	✓ Local ATMs (BancNet, Megalink, and ExpressNet) ✓ Mastercard online transactions ✓ Local Mastercard and Maestro Merchants
	✓ International ATM Networks (Mastercard and Maestro) ✓ International Mastercard and Maestro Merchants ✓ Mastercard online transactions

2. How is the PNB-PAL Mabuhay Miles Prepaid Mastercard activated?

Branch will process the card activation upon issuance of the physical Prepaid Card.

3. What is top-up?

Top-up is also known as the act of loading/reloading your PNB PNB-PAL Mabuhay Miles Prepaid Mastercard.

4. Where can it be loaded?

5. How do I top-up in the branch?

Go to the nearest PNB branch and proceed to Teller
Fill-out Deposit Slip
Specify account number, cardholder’s name, and the amount to top-up (including the Php 20.00 Top-up fee))
NAC will confirm desired top-up amount is allowed within the monthly aggregate top-up limit
Keep the validated deposit Slip after the successful top-up.

There’s no need to bring your PNB-PAL Mabuhay Miles Prepaid Mastercard to top up. Just give/ enter your Prepaid Card Account Number.

6. After the initial top-up, can I immediately use it for ATM and POS transactions?

No, you must first change your PIN in any PNB ATM. The default PIN is indicated in or attached to the card kit.

7. How much are the top-up and transaction limit?

PHP 50,000

maximum ATM withdrawal
limit per transaction

NO LIMIT

maximum POS and ATM
transaction limit per day

PHP 100,000

maximum top-up balance

PHP 100

minimum top-up amount
(top-up fee not included)

PHP 100,000

maximum top-up per month
(top-up fee not included)

8. What is the maximum top-up limit and when will it refresh?

The maximum top-up limit is the total amount that can be loaded across all your PNB Prepaid Cards at any given time which amounts to PHP 100,000.

9. How can I know how much is left in my monthly aggregate top-up limit?

You can check your remaining monthly aggregate top-up limit through PNB Customer Care Hotline at (+632) 8573 8888 or visit any of the PNB Branches nationwide.

10. What happens if requested top-up goes over the monthly limit?

The system will automatically reject requested top-up.

MABUHAY MILES

1. Can I get a PNB-PAL Mabuhay Miles Prepaid Masterd even if I don’t have a Mabuhay Miles number?

To enjoy the benefit of earning Miles for every spend, client needs to have a Mabuhay Miles number. If you do not have a Mabuhay Miles number, you can easily enroll and register online at www.mabuhaymiles.com or through the Mabuhay Miles app.

2. How much should I spend to earn miles?

Point Conversion

PAL Transaction: PHP 150: 1 point: 1 Mabuhay Mile

Non-PAL Transactions: PHP 250: 1 point: 1 Mabuhay Mile

Mabuhay Miles Redemption

Blocks of 2,000 points

*Transactions from the following are EXCLUDED from earning reward points: Supermarket/grocery stores, gasoline/petrol stations, drugstore/heathcare, casino, domestic and international cash withdrawal, and transactions lower than PHP1,500.

Note: point conversion to Mabuhay Miles is subject to change from time to time.

1. Can I get a PNB-PAL Mabuhay Miles Prepaid Masterd even if I don’t have a Mabuhay Miles number?

2. How much should I spend to earn miles?

Point Conversion

PAL Transaction: PHP 150: 1 point: 1 Mabuhay Mile

Non-PAL Transactions: PHP 250: 1 point : 1 Mabuhay Mile

Mabuhay Miles Redemption

Blocks of 2,000 points

CARD FEES

LOCAL TRANSACTION CHARGES

CATEGORY	TRANSACTIONS	FEES
Over the Counter via PNB Branch
	Top-up/Deposit to Prepaid Account	PHP 20
	Withdrawal from Prepaid Account	PHP 20
	Fund transfer from Prepaid Account to another account (i.e., CA/SA or prepaid account)	PHP 20
	Bills Payment	PHP 20
	Service Fee (i.e., Debit Memo, MC Issuance, Local TT Issuance)	PHP 20
PNB ATM
	Balance Inquiry	FREE
	Withdrawal	FREE
	Prepaid to Prepaid Fund Transfer	FREE
	Prepaid to CASA Fund Transfer	FREE
	Bills Payment	FREE
PNB CAM
	Balance Inquiry	FREE
	Top-up/Deposit	FREE
PNB Digital App
	Balance Inquiry	FREE
	Fund Transfer to PNB CASA/Prepaid	FREE
	Fund Transfer to Other Bank’s Account	Instapay/PesoNet fee
Other Bank’s ATM
	Balance Inquiry via Domestic ATM	Acquirer Based fee
	Withdrawal via Domestic ATM	Acquirer Based fee
	Balance Inquiry via International ATM***	Php 75.00
	Withdrawal via International ATM***	Php 150.00
	Fund Transfer	Php25.00 regular Php 60.00 high-volume
Other Fees	Dormancy/Inactivity	PHP 20

*** All transactions made in foreign currencies will be automatically converted to Philippine Peso on the transaction dates at the prevailing exchange rate applied by Mastercard. The amount converted may include other fees imposed by Mastercard and/or the acquiring bank.

Notes:

1. The Bank reserves the right to change the fees, charges, and rates with prior notice to the Cardholder.

CATEGORY	TRANSACTIONS	FEES
Over the Counter via PNB Branch
	Top-up/Deposit to Prepaid Account	PHP 20
	Withdrawal from Prepaid Account	PHP 20
	Fund transfer from Prepaid Account to another account (i.e., CA/SA or prepaid account)	PHP 20
	Bills Payment	PHP 20
	Service Fee (i.e., Debit Memo, MC Issuance, Local TT Issuance)	PHP 20
PNB ATM
	Balance Inquiry	FREE
	Withdrawal	FREE
	Prepaid to Prepaid Fund Transfer	FREE
	Prepaid to CASA Fund Transfer	FREE
	Bills Payment	FREE
PNB CAM
	Balance Inquiry	FREE
	Top-up/Deposit	FREE
PNB Digital App
	Balance Inquiry	FREE
	Fund Transfer to PNB CASA/Prepaid	FREE
	Fund Transfer to Other Bank’s Account	Instapay/PesoNet fee
Other Bank’s ATM
	Balance Inquiry via Domestic ATM	Acquirer Based fee
	Withdrawal via Domestic ATM	Acquirer Based fee
	Balance Inquiry via International ATM***	Php 75.00
	Withdrawal via International ATM***	Php 150.00
	Fund Transfer	Php25.00 regular Php 60.00 high-volume
Other Fees	Dormancy/Inactivity	PHP 20

Notes:

1. The Bank reserves the right to change the fees, charges, and rates with prior notice to the Cardholder.

INTERNATIONAL TRANSACTION CHARGES

OTHER CHARGES

ONE-TIME PIN (OTP)

What is a One-Time PIN (OTP)?

The One-Time PIN (OTP) is a unique six (6) – digit system-generated password sent to your registered mobile number via SMS for your online transactions using your PNB Prepaid Mastercard. It is an additional security feature that strengthens the authentication process to minimize potential fraud or unauthorized transactions.

How do I use this feature?

Each time you make an online purchase you will be required to enter a One-Time PIN (OTP) to proceed on each of your online transactions using your PNB Prepaid Mastercard.

How do I register or update my mobile number to receive OTP?

You must update your contact details by proceeding to PNB branch. Only your registered mobile number will receive an OTP.

What happens if an OTP is not entered immediately?

The OTP will expire if not entered within five (5) minutes. If this happens, you may get a new OTP by clicking the “Regenerate OTP button”.

What happens if I accidentally input a wrong OTP?

You are only given three (3) times to input an OTP. After three (3) consecutive unsuccessful attempts, you will be required to regenerate a new OTP.

Where will I expect to receive the OTP?

The OTP will be sent to your registered mobile number. If you have concerns or issues with your OTP, please call PNB Customer Care Hotline (+632) 8573 8888 or visit PNB branch.

What should I do if I did not receive the OTP?

Expect to receive the OTP via SMS within five (5) minutes. If you did not receive the OTP, you may select “Regenerate OTP” button to get a new one.

What should I do if I changed my mobile number or email address?

Please update your contact details by proceeding to PNB Branch.

Will I still receive my OTP if I am out of the country?

You will get your OTP if your registered mobile number is enabled for international roaming to receive SMS.

Is the OTP free of charge?

Yes, OTP is free. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.

Can I request to disable the OTP feature in my PNB Prepaid Mastercard account?

No. All users of PNB Prepaid Mastercard are required to use their assigned OTP to secure and complete their online transactions.

What should I do if I receive an OTP without initiating any activity?

You should immediately call the PNB Customer Care Hotline (+632) 8573 8888 to report the incident.

What is a One-Time PIN (OTP)?

How do I use this feature?

Each time you make an online purchase you will be required to enter a One-Time PIN (OTP) to proceed on each of your online transactions using your PNB Prepaid Mastercard.

How do I register or update my mobile number to receive OTP?

You must update your contact details by proceeding to PNB branch. Only your registered mobile number will receive an OTP.

What happens if an OTP is not entered immediately?

The OTP will expire if not entered within five (5) minutes. If this happens, you may get a new OTP by clicking the “Regenerate OTP button”.

What happens if I accidentally input a wrong OTP?

You are only given three (3) times to input an OTP. After three (3) consecutive unsuccessful attempts, you will be required to regenerate a new OTP.

Where will I expect to receive the OTP?

The OTP will be sent to your registered mobile number. If you have concerns or issues with your OTP, please call PNB Customer Care Hotline (+632) 8573 8888 or visit PNB Branch.

What should I do if I did not receive the OTP?

Expect to receive the OTP via SMS within five (5) minutes. If you did not receive the OTP, you may select “Regenerate OTP” button to get a new one.

What should I do if I changed my mobile number or email address?

Please update your contact details by proceeding to PNB Branch.

Will I still receive my OTP if I am out of the country?

You will get your OTP if your registered mobile number is enabled for international roaming to receive SMS.

Is the OTP free of charge?

Yes, OTP is free. It shall not be charged to your mobile phone bill regardless of your location and the number of times you transact online.

Can I request to disable the OTP feature in my PNB Prepaid Mastercard account?

No. All users of PNB Prepaid Mastercard are required to use their assigned OTP to secure and complete their online transactions.

What should I do if I receive an OTP without initiating any activity?

You should immediately call the PNB Customer Care Hotline (+632) 8573 8888 to report the incident.

VALID IDs

Primary ID:

✓ Philippine Identification (PhilID) Card under the Philippine Identification System (PhilSys)

✓Printed ePhilID/ Philsys Digital ID/ Digital National ID

✓ Valid Passport

✓ Driver’s License

✓ Unified Multi-Purpose ID

✓ Digitized BIR TIN Card

✓ SSS ID

✓ GSIS e-Card

✓ PRC ID

✓ IBP Lifetime Membership ID

✓ NBI Clearance

✓ Work Permit issued by DOLE for Foreign Nationals

For Foreign Nationals

✓ Passport WITH ACR issued by Bureau of Immigration

AND any of the following:

✓ National ID

✓ Internal Revenue Service (IRS) ID

✓ Social Security System (SSS) ID

✓ Work permit issued by DOLE (mandatory

requirement) if employed in the Philippines

Secondary ID:

✓ Police Clearance

✓ Digitized Postal ID

✓ Voter’s ID

✓ Barangay Certification

✓ Senior Citizen Card

✓ MARINA ID

✓ OWWA ID

✓ OFW ID

✓ Seaman’s Book

✓ Alien Certification of Registration/Immigrant/

Certificate of Registration

✓ Government Office and GOCC ID

(e.g. AFP, HDMF IDs)

✓ PWD ID

✓ Certification from NCWDP

✓ DSWD Certification

✓ IBP ID

✓ PhilHealth ID Health Insurance Card ng Bayan

✓ Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC

Primary ID:

✓ Philippine Identification (PhilID) Card under the Philippine Identification System (PhilSys)

✓Printed ePhilID/ Philsys Digital ID/ Digital National ID

✓ Valid Passport

✓ Driver’s License

✓ Unified Multi-Purpose ID

✓ Digitized BIR TIN Card

✓ SSS ID

✓ GSIS e-Card

✓ PRC ID

✓ IBP Lifetime Membership ID

✓ NBI Clearance

✓ Work Permit issued by DOLE for Foreign Nationals

For Foreign Nationals

✓ Passport WITH ACR issued by Bureau of Immigration

AND any of the following:

✓ National ID

✓ Internal Revenue Service (IRS) ID

✓ Social Security System (SSS) ID

✓ Work permit issued by DOLE (mandatory

requirement) if employed in the Philippines

Secondary ID:

✓ Police Clearance

✓ Digitized Postal ID

✓ Voter’s ID

✓ TIN Card

✓ Barangay Certification

✓ Senior Citizen Card

✓ MARINA ID

✓ OWWA ID

✓ OFW ID

✓ Seaman’s Book

✓ Alien Certification of Registration/Immigrant/

Certificate of Registration

✓ Government Office and GOCC ID

(e.g. AFP, HDMF IDs)

✓ PWD ID

✓ Certification from NCWDP

✓ DSWD Certification

✓ IBP ID

✓ PhilHealth ID Health Insurance Card ng Bayan

✓ Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC

Inactivity Fee	PHP 20
Mark-up Fee (for wallet to wallet transfer)	3% of FOREX rate

Inactivity Fee	PHP 20
Mark-up Fee (for wallet to wallet transfer)	3% of FOREX rate

Corporate Profile		Corporate Sustainability
History		Awards and Accolades
Mission and Vision		News
Investor Relations		Careers
Corporate Governance

Card Fee
Non-Personalized (w/o name)	PHP 150
Personalized (w/ name)	PHP 250

PNB-PAL Mabuhay Miles Prepaid Mastercard

Card Fee

Top-up and Balance Limit

Ready to get a card?

Not yet a Mabuhay Miles Member?

Got more questions?

PNB-PAL Mabuhay Miles Prepaid Mastercard

Card Fee

Top-up and Balance Limit

Ready to get a card?

Not yet a Mabuhay Miles Member?

Got more questions?

How to Get a PNB-PAL Mabuhay Miles Prepaid Mastercard

How to Get a PNB-PAL Mabuhay Miles Prepaid Mastercard

Requirements for Card Application

Requirements forCard Application

PNB-PAL Mabuhay Miles Prepaid Mastercard

PNB-PAL Mabuhay Miles Prepaid Mastercard

Frequently Asked Questions

PREPAID CARDUSAGE

PREPAID CARD USAGE

CARDTRANSACTIONS

CARD TRANSACTIONS

MABUHAY MILES

MABUHAY MILES

CARD FEES

CARD FEES

LOCAL TRANSACTION CHARGES

LOCAL TRANSACTION CHARGES

INTERNATIONAL TRANSACTION CHARGES

INTERNATIONAL TRANSACTION CHARGES

OTHER CHARGES

OTHER CHARGES

ONE-TIME PIN (OTP)

ONE-TIME PIN (OTP)

VALID IDs

VALID IDs

Follow Us

About PNB

Trunkline

Customer Care

Bank Hotline

PNB Cards

PNB-PAL Mabuhay Miles
Prepaid Mastercard

How to Get a
PNB-PAL Mabuhay Miles Prepaid Mastercard

Requirements for
Card Application

PNB-PAL Mabuhay Miles
Prepaid Mastercard

PREPAID CARD
USAGE

CARD
TRANSACTIONS