PNB MasterCard Portal

Promo Mechanics:

I. Qualification: Promo is open to all active PNB Debit and Credit cardholders.

     II. Promo Period and Offer/s:

1. Extra 20% OFF on selected premium watches, eyewear and fine jewelry when you shop with your SMAC at The SM Store (except Quiapo) from November 28 – 30, 2020.  

2. Brands, style and quantity of the item may vary per store.

3. 0 % interest and Shop Now, Get Billed Later installment up to 6 months payment term available using PNB Credit Card.

III. Terms & Conditions

1. The Promotion is non-transferable, non-cumulative, cannot be exchanged for cash or other products, and cannot be used in conjunction with any other discounts, promotions, discounted items, and fixed price items, unless otherwise stated.

2. All matters and disputes will be subject to the final decision of PNB and its partner merchant in concurrence with DTI, will deemed final and irrevocable.

3. The Terms and Conditions governing the issuance and use of PNB Cards are incorporated herein by reference and made an integral part hereof.

Per DTI Fair Trade Permit No. FTEB-104575 Series of 2020.

0% Installment / Shop Now, Get Billed Later Promo Mechanics:

1.  
   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. Minimum installment amount is P5,000, 0% interest up to 6 months payment term.
      
      
   3. 3.Participating merchant has the sole discretion on the term/s and item/s or service/s applicable for the 0% installment offering.

      
      4.First monthly amortization of the Shop Now, Get Billed Later (SNGBL) installment transactions shall be billed to the cardholder’s account on the third (3^rd) statement cycle/cut-off date after approval of transaction.

      
      5.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.
      
      
   4. 6. 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. 7. 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.
      
      
   6. 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.
      
      
   7. 9. Cardholder acknowledges his/her liability to PNB for the installment purchases and will form part of the cardholder’s obligation to PNB.
      
      
   8. 10. This promo cannot be used in conjunction with other promotions.
      
      
   9. 11. All installment purchases are subject to the Terms and Conditions governing the issuance and use of PNB credit cards are incorporated herein by reference and made integral part hereof.
      
      
   10. 12. In case of dispute, PNB has the final decision upon approval of DTI.

Per DTI Fair Trade Permit No. FTEB-104575/100582 Series of 2020.