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 from January 1, 2017 to December 31, 2017 in all The SM Store nationwide.

3. Minimum transaction amount for 0% installment is P 5,000.

4. 0% interest is subject to bank approval and shall apply if the total outstanding balance 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 charge 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.