Get REBATES worth a month's groceries!

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 Amount Payment Terms
Gloria Bazar (starts July 1 to December 31, 2019)
3,000 24 months
Fonestyle Accesories 6,000 12 and 24 months
Rulls / Audionet 8,000 12 and 24 months
First Family Appliance / Memo Express / JR Memo
Express / Wiltelcom / Power Premium
(starts October 1 to December 31, 2019)
10,000 12 and 24 months
Robinsons Appliance
(starts February 1 to December 31, 2019)
10,000 24 months
PowerMac 12,000 24 months
Asian Home Appliance 15,000 12 and 24 months
Abenson / Electroworld / Beyond the Box /
Digital Walker
18,000 24 months
Asianic/ Acrotech/ PC Home/ Blims Fine Furniture /
PC Worx
20,000 12 and 24 months
TCA / Perfect Shot 24,000 12 and 24 months
Accent Hub / Automatic Centre / Silicon Valley / Sogo
Home & Office Center 1st Mega Savers Appliance /
AV Surfer / Sony by Avid
25,000 12 and 24 months
Camerahaus / Gigahertz / BCG Computers 30,000 12 and 24 months
Switch 50,000 12 and 24 months
Henry's Cameras 
(starts December 1 to December 31, 2019)

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. See below sample computation:

Sample Amount FREE First Month Installment/Rebate
12 months 24 months
P30,000 P2,500 P1,250

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 obligationto 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 Fair Trade Permit No. FTEB-20227 Series of 2019.

PNB Cards 24/7 Hotline (+632) 8818 9818 / DTF 1800 10 818 9 818
PNB is supervised by the Bangko Sentral ng Pilipinas /

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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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