PNB MasterCard Portal

 Promo Mechanics

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 until December 31, 2016 in all Crate and Barrel branches.

3. Minimum transaction amount for 24 months 0% installment is P 30,000.

4. 0% interest is subject to bank approval and valid if the monthly bill is paid in full.

5. 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.

6. Cardholder may request to accelerate charging of the full amount of the remaining
unbilled amortization subject to PNB’s approval. A processing fee of 5% of the total
balance or Php 500, 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.

7. 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.

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

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

10. All installment purchases are subject to the Terms and Conditions governing issuance
and use of PNB credit cards are incorporated herein by reference and made integral part
hereof.

11. PNB has the final decision in case of dispute with prior approval of DTI.


Per DTI-FTEB SPD Permit No. 14923. Series of 2016.