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PNB-PAL Mabuhay Miles World Elite Mastercard

Experience Elite

Get invited and enjoy these PNB-PAL Mabuhay Miles World Elite Mastercard features.

  • ✓ Up to 40,000 Mabuhay Miles Welcome Gift
  • ✓ Complimentary upgrade to Premier Elite Mabuhay Miles membership for the first year
  • ✓Ten (10) complimentary lounge visits via Mastercard Travel Pass annually
  • ✓ Exclusive year-round PAL online discount
  • ✓ Birthday gift of free 5,000 rewards points
“By invitation only”
Download the app

What can I do with my PNB-PAL Mabuhay Miles World Elite Mastercard?

Electronic Statement of Account
View your Electronic Statement of Account (eSOA) through our secure online access via:
  • PNB Digital App
  • Email (registered with PNB Cards)
PNB Digital App
Pay your credit card, pay bills, check balances, monitor transactions, and view eSOA, rewards points, and credit card PIN anytime, anywhere with the PNB Digital App. Download it now on the App Store or Google Play!
Cash Advance
Get cash up to 50% of your credit limit from over 5,000 BancNet and over 1,600 PNB ATMs nationwide.
Balance Transfer
Step up with the ultimate credit card shift with a low interest rate advantage. Balance Transfer can quickly move your other credit card balances to your new PNB-PAL Mabuhay Miles World Elite Mastercard.
Convert-to-Cash
Convert your credit limit into cash and pay the same in installment terms at low interest rates.
Transaction Conversion
Convert your straight payments into installments and enjoy low interest rates.
Zero % Affordable Payment Plan (ZAPP)
Shop at PNB-affiliated partner merchants for your expensive must-haves at 0% interest on installment and choose your preferred payment term from 3, 6, 9, 12, 18, up to 24 months.

Travel and Medical Insurance Benefits
  • Be protected against travel accidents and medical expenses.
Travel Inconvenience and Cancellation Insurance
  • Stay at ease even when you travel with this benefit, which includes insurance for loss of baggage, trip cancellation, and more.
E-Commerce Purchase Protection
  • Incomplete delivery or even non-delivery of online purchases are covered for up to 1,000 USD.
Purchase Protection
  • Purchases including those made overseas and items given as gifts are insured in case of theft or accidental damage.
ID Theft Protection Lite
  • Monitoring of personally identifiable information (i.e. Email, National ID, Bank Account Number, Social Media Handles, etc.) on the internet and dark web for compromised credentials
Zero Liability Protection
  • Secured against unauthorized transactions
Terms and Conditions apply

Rewards


Mabuhay Miles
PHP 28 = 1 rewards point* = 1 Mabuhay Mile
*Redeemable in blocks of 2,000 points
*Mabuhay Miles number required
  • 10,000 Mabuhay Miles Welcome Gift
    • Activate your credit card to get free Mabuhay Miles
    • Mabuhay Miles number required.

  • Additional free 30,000 Mabuhay Miles
    • Obtainable upon reaching PHP 150,000 worth of transactions at PAL (MCC 3022) within 3 months from card issuance.
    • Mabuhay Miles number required.

  • Automatic Upgrade to Premier Elite Mabuhay Miles membership
    • Membership upgrade is valid for 1 year from card issuance
    • Status to be given within 1 month from card activation
    • PHP 250,000 worth of transactions at PAL annually is required to retain Premier Elite Status.
    • Mabuhay Miles number required.

  • Year-round exclusive PAL online discount
    • Enjoy 5% discount on select PAL international flights booked via www.philippineairlines.com when you use the first 6 digits of your credit card as the promo code.
  • Birthday gift of 5,000 rewards points
    • 5,000 rewards points will automatically be credited to your account once every year as a PNB-PAL Mabuhay Miles World Elite Mastercard cardholder

Benefits


  • Mastercard Travel Pass
    • Mastercard Travel Pass, which was designed by Mastercard, is a branded airport experience by DragonPass. The feature provides a unique and seamless airport experience. Enjoy 10 free shared lounge access per cardholder per year.

  • Mastercard Travel and Lifestyle Services
    • Plan and book your travels and events conveniently with a dedicated concierge for more memorable experiences.

  • Global Data Roaming by Flexiroam
    • Stay connected even during your international travels.

  • Priceless Specials Program
    • Discover and explore a wide collection of promos and exclusive privileges – from travel to sports and even entertainment.

PNB Credit Card Terms and Conditions | Fees and Charges | PNB Rewards Terms and Conditions

Frequently Asked Questions

About my PNB Credit Card    
  1. How do I activate my credit card?
  2. How do I apply for a supplementary credit card?
    • You can apply at any PNB branch. Online application for supplementary credit cards is currently not available.
  3. How many supplementary credit cards can I apply for?
    • Each principal credit cardholder may have up to nine (9) supplementary credit cards. All supplementary credit cards enjoy free annual fee for life.
  4. How can I pay my bill?
    • You can pay your PNB Credit Card bill through any of the following:
      • PNB
        • ATMs and branches of Philippine National Bank
        • PNB Digital App
        • Automatic Debit Arrangement with PNB Savings/Checking Account
        • Overseas Branches and Remittance Centers
      • Others
        • ATMs of participating BancNet members
        • BDO branches
        • SM and Savemore payment centers nationwide
        • Mobile/Internet Banking of participating BanNet members (e.g. BDO, GCash)
        • BancNet online
    Note:
    *Payments made via PNB channels will be reflected on the account within 1-2 banking days after the date of payment.
    *Payments made via other payment centers and online payment channels will be reflected on the account within 2-4 banking days after the date of the payment.
    *Additional 3 banking days will be needed in processing check payments as they are subject to clearing.
    *Payment of dollar accounts is only applicable for PNB branches, ADA, and the PNB Digital App. A PNB deposit account (in USD) is needed to proceed with the payment via ADA and the PNB Digital App.
    *Select “PNB Credit Cards” as the biller when paying via online payment channels.
  5. What are the applicable credit card fees and charges?
    • Please click here to view all applicable fees and charges.
  6. I didn’t receive my monthly billing/eSOA. What do I do?
  7. How do I update my information?
  8. My PNB Debit Card is already signed up to the PNB Digital App. How can I add my PNB Credit Card?
    1. Go to More and click on Add Account. You can also add an account from the My Accounts screen by clicking on the + button on the upper right corner.
    2. Read and agree to the Terms and Conditions
    3. Enter the card number and expiry date.
    4. Enter the 6-digit One-Time PIN (OTP) sent via SMS to your mobile number registered with PNB Cards. 
    5. View the confirmation screen indicating that the account has been added and click Okay.
  9. I don’t receive my one-time PIN (OTP) whenever I try to enroll my Credit Card to the PNB Mobile Banking App. What do I do?
  10. Who can I contact if ever I have questions or concerns about the credit card?
About Rewards    
  1. How can I find out how many rewards points I have?
    • Your rewards points are included in your monthly Statement of Account. Please note the written number of rewards points is as of your statement date only. You may also inquire by calling the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
  2. How can I convert my rewards points to Mabuhay Miles?
    • Fill out the Rewards Redemption Form and e-mail it to pnbcreditcards@pnb.com.ph or call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
      Please note a Mabuhay Miles number is required in order to claim your Mabuhay Miles. To avoid inconvenience, please make sure your details with PNB and Mabuhay Miles, Inc. match. Please contact the customer hotline or the e-mail address mentioned above in order to update your information.
  3. How can I redeem my rewards points?
    • Fill out the Rewards Redemption Form and e-mail it to pnbcreditcards@pnb.com.ph or call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
      Please note a Mabuhay Miles number is required in order to claim your Mabuhay Miles. To avoid inconvenience, please make sure your details with PNB and Mabuhay Miles, Inc. match. Please contact the customer hotline or the e-mail address mentioned above in order to update your information.
  4. How do I obtain a Mabuhay Miles number?
    • Please register at www.mabuhaymiles.com or through the Mabuhay Miles app to obtain a Mabuhay Miles number.
About PNB Digital App    
  1. What can I do with the PNB Digital App?
    1. Easily sign up your PNB Credit Card
    2. Pay your PNB Credit Card bill
    3. Pay bills using your PNB Credit Card
    4. Check your PNB Credit Card balances and available credit limit
    5. View Credit Card PIN
    6. Monitor your PNB Credit Card transactions
    7. View and download your Electronic Statement of Account (eSOA)
    8. View rewards points
    9. View the latest PNB Cards promos
    Learn more about the     PNB Digital App.
  2. How do I sign up my PNB Credit Card to the PNB Digital App
    1. Tap Sign Up and agree to the Terms and Conditions.
    2. Choose Credit Card Number as the sign up option.
    3. Enter your valid PNB Credit Card Number, Card Expiry Date, and Date of Birth.
    4. Enter the Online Activation Code (OAC) sent to your e-mail address registered with PNB Cards.
    5. Enter the 6-digit one-time-PIN (OTP) sent to your mobile number registered with PNB Cards.
    6. Create a new user ID and password for your PNB Digital Account*.
    7. Choose your login option:
      • Password
      • Fingerprint/Touch ID
      • Face ID
    8. Receive a notification on your registered e-mail address and mobile number and view your PNB Digital dashboard.
    If you are an existing user of PNB Account Access Portal since July 31, 2021 or earlier:
    You may use the same User ID when you sign up for us to migrate your existing saved payees and billers to PNB Digital.
  3. Can I view my full PNB Credit Card number on the PNB Digital App?
    • Yes, you can view your 16-digit PNB Credit Card number by clicking the “eye” button on the right side of your credit card number. Please make sure you do not share your credit card information with anyone.
  4. Can all PNB Credit Cards be signed up to the PNB Digital App?
    • No, the following cannot be signed up to the PNB Digital App:
      • PNB Supplementary Credit Cards
      • PNB Installment Credit Cards
      • PNB Business Credit Card
      • PNB Corporate Multi Mastercard
  5. How many mobile devices can I use with the PNB Digital App?
    • You can only use one (1) device to access your PNB Digital Account. If you want to use another device, you need to unregister your current device. Login and go to More > Registered Device.
  6. Who can I contact if ever I have questions or concerns about my PNB Digital app account?
    If you have both a deposit account and a PNB Credit Card enrolled in the app, please contact:
    If you have a PNB Credit Card but no deposit account enrolled in the app, please contact:
Lost Credit Card    
  1. What should I do if I lose my credit card?
    • Immediately report your lost credit card to the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818.
      Please note that you are accountable for transactions made prior to the reporting of the lost credit card unless you enrolled your lost credit card for Fraud Transaction Insurance, which covers 12 hours prior to reporting of the lost credit card. Fraud Transaction Insurance is on a per credit card enrollment basis.
  2. Where can I report unauthorized transactions?
  3. How can I report incorrect amount/charges?

Promos

Enjoy 5% OFF on select PAL Flights with your PNB-PAL Mabuhay Miles Mastercard!

VIEW PROMO

Enjoy up to 30% OFF at Admiral Hotel Manila – MGallery with your PNB Card!

VIEW PROMO

20% OFF at Club Samal Resort Davao with your PNB Card!


VIEW PROMO

PNB-PAL Mabuhay Miles World Elite Mastercard

Experience Elite
“By invitation only”

Get invited and enjoy these PNB-PAL Mabuhay Miles World Elite Mastercard features.

  • ✓ Up to 40,000 Mabuhay Miles Welcome Gift
  • ✓ Complimentary upgrade to Premier Elite Mabuhay Miles membership for the first year
  • ✓Ten (10) complimentary lounge visits via Mastercard Travel Pass annually
  • ✓ Exclusive year-round PAL online discount
  • ✓ Birthday gift of free 5,000 rewards points
Download the app

What can I do with my PNB-PAL Mabuhay Miles World Elite Mastercard?

Rewards and Benefits    

Rewards


Mabuhay Miles
PHP 28 = 1 rewards point* = 1 Mabuhay Mile
*Redeemable in blocks of 2,000 points
*Mabuhay Miles number required
  • 10,000 Mabuhay Miles Welcome Gift
    • Activate your credit card to get free Mabuhay Miles
    • Mabuhay Miles number required.

    •
  • Additional free 30,000 Mabuhay Miles
    • Obtainable upon reaching PHP 150,000 worth of transactions at PAL (MCC 3022) within 3 months from card issuance.
    • Mabuhay Miles number required.

  • Automatic Upgrade to Premier Elite Mabuhay Miles membership
    • Membership upgrade is valid for 1 year from card issuance
    • Status to be given within 1 month from card activation
    • PHP 250,000 worth of transactions at PAL annually is required to retain Premier Elite Status.
    • Mabuhay Miles number required.

  • Year-round exclusive PAL online discount
    • Enjoy 5% discount on select PAL international flights booked via www.philippineairlines.com when you use the first 6 digits of your credit card as the promo code.
  • Birthday gift of 5,000 rewards points
    • 5,000 rewards points will automatically be credited to your account once every year as a PNB-PAL Mabuhay Miles World Elite Mastercard cardholder

Benefits


  • Mastercard Travel Pass
    • Mastercard Travel Pass, which was designed by Mastercard, is a branded airport experience by DragonPass. The feature provides a unique and seamless airport experience. Enjoy 10 free shared lounge access per cardholder per year.

  • Mastercard Travel and Lifestyle Services
    • Plan and book your travels and events conveniently with a dedicated concierge for more memorable experiences.

  • Global Data Roaming by Flexiroam
    • Stay connected even during your international travels.

  • Priceless Specials Program
    • Discover and explore a wide collection of promos and exclusive privileges – from travel to sports and even entertainment.

Card Protect    
  • Travel and Medical Insurance Benefits
    • Be protected against travel accidents and medical expenses.

  • Travel Inconvenience and Cancellation Insurance
    • Stay at ease even when you travel with this benefit, which includes insurance for loss of baggage, trip cancellation, and more.

  • E-Commerce Purchase Protection
    • Incomplete delivery or even non-delivery of online purchases are covered for up to 1,000 USD.

  • Purchase Protection
    • Purchases including those made overseas and items given as gifts are insured in case of theft or accidental damage.

  • ID Theft Protection Lite
    • Monitoring of personally identifiable information (i.e. Email, National ID, Bank Account Number, Social Media Handles, etc.) on the internet and dark web for compromised credentials

  • Zero Liability Protection
    • Secured against unauthorized transactions

Terms and Conditions apply
Card Services    
  • Electronic Statement of Account
    • View your Electronic Statement of Account (eSOA) through our secure online access via:
      • PNB Digital App
      • Email (registered with PNB Cards)
  • PNB Digital App
    • Pay your credit card, pay bills, check balances, monitor transactions, and view eSOA, rewards points, and credit card PIN anytime, anywhere with the PNB Digital App. Download it now on the App Store or Google Play!
  • Cash Advance
    • Get cash up to 50% of your credit limit from over 5,000 BancNet and over 1,600 PNB ATMs nationwide.
installment Programs    
  • Balance Transfer
    • Step up with the ultimate credit card shift with a low interest rate advantage. Balance Transfer can quickly move your other credit card balances to your new PNB-PAL Mabuhay Miles World Elite Mastercard.
  • Convert-to-Cash
    • Convert your credit limit into cash and pay the same in installment terms at low interest rates.
  • Transaction Conversion
    • Convert your straight payments into installments and enjoy low interest rates.
  • Zero % Affordable Payment Plan (ZAPP)
    • Shop at PNB-affiliated partner merchants for your expensive must-haves at 0% interest on installment and choose your preferred payment term from 3, 6, 9, 12, 18, up to 24 months.
PNB Credit Card Terms and Conditions
Fees and Charges
PNB Rewards Terms and Conditions

Frequently Asked Questions

About my PNB Credit Card    
  1. How do I activate my credit card?
  2. How do I apply for a supplementary credit card?
    • You can apply at any PNB branch. Online application for supplementary credit cards is currently not available.
  3. How many supplementary credit cards can I apply for?
    • Each principal credit cardholder may have up to nine (9) supplementary credit cards. All supplementary credit cards enjoy free annual fee for life.
  4. How can I pay my bill?
    • You can pay your PNB Credit Card bill through any of the following:
      • PNB
        • ATMs and branches of Philippine National Bank
        • PNB Digital App
        • Automatic Debit Arrangement with PNB Savings/Checking Account
        • Overseas Branches and Remittance Centers
      • Others
        • ATMs of participating BancNet members
        • BDO branches
        • SM and Savemore payment centers nationwide
        • Mobile/Internet Banking of participating BanNet members (e.g. BDO, GCash)
        • BancNet online
    Note:
    *Payments made via PNB channels will be reflected on the account within 1-2 banking days after the date of payment.
    *Payments made via other payment centers and online payment channels will be reflected on the account within 2-4 banking days after the date of the payment.
    *Additional 3 banking days will be needed in processing check payments as they are subject to clearing.
    *Payment of dollar accounts is only applicable for PNB branches, ADA, and the PNB Digital App. A PNB deposit account (in USD) is needed to proceed with the payment via ADA and the PNB Digital App.
    *Select “PNB Credit Cards” as the biller when paying via online payment channels.
  5. What are the applicable credit card fees and charges?
    • Please click here to view all applicable fees and charges.
  6. I didn’t receive my monthly billing/eSOA. What do I do?
  7. How do I update my information?
  8. My PNB Debit Card is already signed up to the PNB Digital App. How can I add my PNB Credit Card?
    1. Go to More and click on Add Account. You can also add an account from the My Accounts screen by clicking on the + button on the upper right corner.
    2. Read and agree to the Terms and Conditions
    3. Enter the card number and expiry date.
    4. Enter the 6-digit One-Time PIN (OTP) sent via SMS to your mobile number registered with PNB Cards. 
    5. View the confirmation screen indicating that the account has been added and click Okay.
  9. I don’t receive my one-time PIN (OTP) whenever I try to enroll my Credit Card to the PNB Mobile Banking App. What do I do?
  10. Who can I contact if ever I have questions or concerns about the credit card?
About Rewards    
  1. How can I find out how many rewards points I have?
    • Your rewards points are included in your monthly Statement of Account. Please note the written number of rewards points is as of your statement date only. You may also inquire by calling the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
  2. How can I convert my rewards points to Mabuhay Miles?
    • Fill out the Rewards Redemption Form and e-mail it to pnbcreditcards@pnb.com.ph or call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
      Please note a Mabuhay Miles number is required in order to claim your Mabuhay Miles. To avoid inconvenience, please make sure your details with PNB and Mabuhay Miles, Inc. match. Please contact the customer hotline or the e-mail address mentioned above in order to update your information.
  3. How can I redeem my rewards points?
    • Fill out the Rewards Redemption Form and e-mail it to pnbcreditcards@pnb.com.ph or call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
      Please note a Mabuhay Miles number is required in order to claim your Mabuhay Miles. To avoid inconvenience, please make sure your details with PNB and Mabuhay Miles, Inc. match. Please contact the customer hotline or the e-mail address mentioned above in order to update your information.
  4. How do I obtain a Mabuhay Miles number?
    • Please register at www.mabuhaymiles.com or through the Mabuhay Miles app to obtain a Mabuhay Miles number.
About PNB Digital App    
  1. What can I do with the PNB Digital App?
    1. Easily sign up your PNB Credit Card
    2. Pay your PNB Credit Card bill
    3. Pay bills using your PNB Credit Card
    4. Check your PNB Credit Card balances and available credit limit
    5. View Credit Card PIN
    6. Monitor your PNB Credit Card transactions
    7. View and download your Electronic Statement of Account (eSOA)
    8. View rewards points
    9. View the latest PNB Cards promos
    Learn more about the     PNB Digital App.
  2. How do I sign up my PNB Credit Card to the PNB Digital App
    1. Tap Sign Up and agree to the Terms and Conditions.
    2. Choose Credit Card Number as the sign up option.
    3. Enter your valid PNB Credit Card Number, Card Expiry Date, and Date of Birth.
    4. Enter the Online Activation Code (OAC) sent to your e-mail address registered with PNB Cards.
    5. Enter the 6-digit one-time-PIN (OTP) sent to your mobile number registered with PNB Cards.
    6. Create a new user ID and password for your PNB Digital Account*.
    7. Choose your login option:
      • Password
      • Fingerprint/Touch ID
      • Face ID
    8. Receive a notification on your registered e-mail address and mobile number and view your PNB Digital dashboard.
    If you are an existing user of PNB Account Access Portal since July 31, 2021 or earlier:
    You may use the same User ID when you sign up for us to migrate your existing saved payees and billers to PNB Digital.
  3. Can I view my full PNB Credit Card number on the PNB Digital App?
    • Yes, you can view your 16-digit PNB Credit Card number by clicking the “eye” button on the right side of your credit card number. Please make sure you do not share your credit card information with anyone.
  4. Can all PNB Credit Cards be signed up to the PNB Digital App?
    • No, the following cannot be signed up to the PNB Digital App:
      • PNB Supplementary Credit Cards
      • PNB Installment Credit Cards
      • PNB Business Credit Card
      • PNB Corporate Multi Mastercard
  5. How many mobile devices can I use with the PNB Digital App?
    • You can only use one (1) device to access your PNB Digital Account. If you want to use another device, you need to unregister your current device. Login and go to More > Registered Device.
  6. Who can I contact if ever I have questions or concerns about my PNB Digital app account?
    If you have both a deposit account and a PNB Credit Card enrolled in the app, please contact:
    If you have a PNB Credit Card but no deposit account enrolled in the app, please contact:
Lost Credit Card    
  1. What should I do if I lose my credit card?
    • Immediately report your lost credit card to the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818.
      Please note that you are accountable for transactions made prior to the reporting of the lost credit card unless you enrolled your lost credit card for Fraud Transaction Insurance, which covers 12 hours prior to reporting of the lost credit card. Fraud Transaction Insurance is on a per credit card enrollment basis.
  2. Where can I report unauthorized transactions?
  3. How can I report incorrect amount/charges?

Promos

Enjoy 5% OFF on select PAL Flights with your PNB-PAL Mabuhay Miles Mastercard!

VIEW PROMO

Enjoy up to 30% OFF at Admiral Hotel Manila – MGallery with your PNB Card!

VIEW PROMO

20% OFF at Club Samal Resort Davao with your PNB Card!


VIEW PROMO

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