Enjoy 0% interest up to 12 months payment term at Rustan's

Promo Mechanics:

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

  2. 2. Promo runs until January 31, 2021.

  3. 3. Offer : 0% interest up to 12 months payment term with minimum installment purchase (single receipt) requirement:


Installment Term Minimum Amount
3 months 3,000
6 months 10,000
12 months 20,000


  1. 4. 0% interest is subject to bank approval and shall apply if the total outstanding balance is paid in full.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

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

  7. 10. This promo cannot be used in conjunction with other promotions

  8. 11. 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.

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

Per DTI Fair Trade Permit No. FTEB-03996/110320 Series of 2020.

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