PNB MasterCard Portal

Promo Mechanics:

1. ZAPP is open to all active principal and supplementary PNB issued credit cards in good credit standing except Corporate Cards.

2. Minimum installment amount is P5,000 on selected items, 0% interest up to 6 months. Available at all The SM Store branches.

3. 0% interest is subject to bank approval and valid if the total amount due is paid in full.

4. The monthly installment amount shall be posted as a regular transaction on the credit card account and shall form part of the total outstanding balance. 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.

5. 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 balance or Php500, whichever is higher, shall be charged to the cardholder’s account. The unpaid total installment amount plus the applicable fees will form part of the outstanding balance and subject to monthly finance charge.

6. 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.

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

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

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

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

Shop Now, Get Billed Later Installment

1. First monthly amortization of the Shop Now, Get Billed Later transactions shall be billed to the cardholder’s account on the third (3rd) statement cycle/cutoff date after approval of transaction.

2. 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.


Per DTI-FTEB Permit No. 16771 and 17541 Series of 2018.

PNB Cards 24/7 Hotline (+632) 818 9818 / DTF 1800 10 818 9 818
PNB is regulated by the Bangko Sentral ng Pilipinas.
BSP contact details: (+632) 708 7087 / consumeraffairs@bsp.gov.ph