Enjoy FREE First Month Installment this back-to-school season

Free First Month Installment 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 to December 31, 2019.

3. Minimum purchase amount and payment terms may vary per merchant (please see list below). Cardholders will be duly informed of both minimum purchase requirement and participating items by partner merchants.

Merchant Name                                                      Minimum                   Payment Terms
Gloria Bazar                                                              3,000                           24 months
(starts July 1 to December 31, 2019)

Fonestyle Accessories                                                6,000                      12 and 24 months

Rulls / Audionet                                                         8,000                     12 and 24 months

First Family Appliance/Memo Express/                        10,000                     12 and 24 months
JR Memo Express/Wiltelcom

Power Premium Gadgets                                            10,000                     12 and 24 months
(starts October 1 to December 31, 2019)

Robinsons Appliance                                                 10,000                           24 months
(starts February 1 to December 31, 2019)

PowerMac                                                                12,000                           24 months

Asian Home Appliance                                              15,000                      12 and 24 months
Abenson/Electroworld/Beyond the Box/                      18,000                          24 months
Digital Walker

Asianic/Acrotech/PC Home/                                       20,000                     12 and 24 months
Blims Fine Furniture/PC Worx

TCA/Perfect Shot                                                      24,000                     12 and 24 months

Accent Hub/Automatic Center/Silicon Valley/               25,000                     12 and 24 months
Sogo Home & Office Center/  
1st Mega Savers Appliance/AV Surfer/Sony by Avid

Camerahaus/Gigahertz/BCG Computers                      30,000                    12 and 24 months

Switch                                                                     50,000                    12 and 24 months

Lazboy                                                                     65,000                    12 and 24 months
4. The Free First Month Installment is not convertible to cash, rewards points, miles and cannot be used in conjunction with other PNB Credit Cards and partner merchant’s in-store promotions.

5. Transactions from this promotion will not earn reward points or miles whichever is applicable.

6. The free first month installment will be reflected on the cardholder’s account upon posting of the transaction.

7. The cost of free installment will be charged to the cardholder’s account should he/she decide to cancel the transaction or his/her account becomes delinquent.

8. 0% interest is subject to bank approval and valid if the total amount due is paid in full.

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

10. Cardholder may request to charge the full amount of the remaining unpaid principal amount subject to PNB’s approval. A processing fee of 5% of the total unpaid principal balance or Php 500, whichever is higher, shall be charged to the cardholder’s account. The unpaid principal amount plus the applicable fees will form part of the outstanding balance and subject to monthly finance charge.

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

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

13. In the purchase of goods and services which are on promotional discount, The Senior Citizen can avail of the promotional discount or the discount provided under the Expanded Senior Citizens Act of 2010, whichever is higher.

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

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

Per DTI-FTEB Permit No. 20227 Series of 2019.

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

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PNB Mastercard

PNB Credit Cards is located at:

PNB Financial Center
8/F Cards Banking Solutions Group
Pres. Diosdado Macapagal Blvd.,
Pasay City, Philippines
TEL: (+632) 8818-9-818 / DTF 1800-10-818-9-818

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