0% Installment up to 3 months at the SM Store Installment Fest with your PNB Credit Card!


Promo Mechanics

1. Promotion Terms & Conditions.

2. A minimum spend of P5,000 single-receipt installment transaction at any branch of SM Store paid using any credit card of the participating banks gives the cardholder a chance to instantly win back P10,000 SM Gift Pass. The promo only applies to in-store and personal shopper (card present) transactions.

3. There will be fifteen winners (15) per participating bank.

4. Promo will run from November 1 to December 31, 2023.

5. Redemption of prizes will be from November 1, 2023 to February 28, 2024. Upon completing the installment transaction of P5,000 using a participating credit card at SM Store, the transaction receipt will generate the following coupon indicating whether or not the customer wins an instant prize.

• For winning transactions:

SM Store Installment Fest – Holiday Cashback Promo Congratulations! You’ve won P10,000 worth of SM Gift Passes from (name of bank) at the SM Store.
Proceed to the Customer Service Counter for details on how to claim your prize.
Terms & conditions apply.
See posters for details. Promo period: November 1 to  December 31, 2023.

• For non-winning transactions: 

Enjoy shopping at SM Store for a chance to win P10,000 worth of SM Gift Passes.
See posters for details.
Promo period: November 1 to December 31, 2023.

6. Prize is non-convertible to cash.

7. How to claim the prize: Winner must present the following documents at the Customer Service Counter of SM Store where the transaction was made. Branch Marketing Manager or Customer Service Manager must verify the winning transaction prior to awarding of prizes to the cardholder:

• Original winning transaction receipt
• Original winning charge slip
• Original winning stub 
• Credit card used for the winning transaction
• Valid ID

8. Winner must surrender and sign the original winning stub.

9. The transaction receipt and winning charge slip should be marked/stamped “CLAIMED” upon release of the prize.

10. Cardholder can only claim his/her prize at the same branch of SM Store where transaction was made.

11. SM Store will not replace lost or damaged prizes caused by the winner (cardholder).

12. SM Store and Participating Banks reserve the right to disclose and publish names, photos and other information of the winners in any mode or manner as they deem appropriate.

13. Employees of SM Store and its accredited advertising agencies and suppliers, and their family relatives up to 2nd degree of consanguinity or affinity are disqualified from participating in the promotion.

Per DTI Fair Trade Permit No. FTEB-178043, Series of 2023.


1. The promo is open to all active principal and supplementary PNB-issued credit cards in good credit standing except Corporate Cards. 2. Promo period is from March 16, 2023 to December 31, 2023.

3. Minimum installment purchase requirement is P3,000 or higher depending on the ZAPP partner merchant. Cardholders will be duly informed of both minimum purchase requirement and participating items by partner merchants.

4. Participating merchants have the sole discretion on the item/s applicable for the promo.
5. First monthly amortization of the Shop Now, Get Billed Later (SNGBL) transactions shall be billed to the cardholders account on the third (3rd) statement cycle/cut-off date after approval of transaction.

6. Cardholder should advise store personnel that payment of the transaction will be Shop Now, Get Billed Later installment. "SHOPNOWGETBILLEDLATER" or "SNGBL" should be indicated on the charge slip to make the transaction valid.

7. 0% interest is subject to bank approval and valid if the total amount due is paid in full.

8. All 0% installment transactions posted in the Cardholder’s account shall earn Rewards Points/Miles. Points/Miles will be reflected in the SOA upon posting of the monthly amortization.

9. The monthly installment amount shall be posted as a regular transaction on the credit card account and shall form part of the total amount due. Should the cardholder choose to pay only a portion of the total amount due, but not less than the minimum amount due, the monthly installment shall be subject to the regular finance charges.

10. Cardholder may request to charge the full amount of the remaining unbilled amortization subject to PNB’s approval. A processing fee of 5% of the total unpaid installment principal amount or Php500, whichever is higher, shall be charged to the cardholder’s account. The unpaid total installment principal amount plus interest and applicable fees will form part of the outstanding balance and subject to monthly finance charge.

11. Failure to pay any two (2) consecutive minimum amount dues shall constitute default and the total outstanding balance shall immediately become due and demandable.

12. Cardholder acknowledges his/her liability to PNB for the installment purchases and will form part of the cardholder’s obligation to PNB.

13. This promo cannot be used in conjunction with other promotions.

14. The Terms and Conditions governing issuance and use of PNB credit cards are incorporated herein by reference and made integral part hereof.

15. In case of dispute, PNB has the final decision upon approval of DTI.

Per DTI Fair Trade Permit No. FTEB-163208 Series of 2023.

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