Lighten the burden with Transaction Conversion with your PNB Card!

Program Mechanics:

 1. The Transaction Conversion Program is open to all active principal PNB-issued Credit Cards in good credit standing excluding Corporate, Business and Distribution Cards.

2. Fees and service charge (of P300.00) will be waived until May 31, 2020. (This promo offer is extended until May 31, 2020 in line with the extensions of the Modified ECQ.)

3. PNB shall have the absolute and exclusive right to approve or reject the Transaction Conversion request.

4. Request must be submitted within the promo period to qualify for the promo rates.

5. Qualified transactions are all straight local food, gasoline, supermarket, drugstores and hospital expenses.

6. The amount to be converted to 3-months 0% installment plan should be a minimum of Php 3,000 and a maximum of P30,000

7. Only new transactions on the latest Statement of Account (SOA) are eligible for conversion. Transactions that have formed part of the cardholder’s revolving balance are no longer eligible for conversion.

8. Cardholders may apply as soon as the transaction has been posted but not later than 5 banking days before due date of the latest Statement of Account (SOA).

9. To apply, cardholders may call our hotline at 8818-9818 or via email at to request for Transaction Conversion promo. PNB Cardholders must use their registered email address in the PNB Credit Card Database. Requests received beyond the Statement of Account’s due date will no longer be accommodated.

10. The amount to be converted to installment should be the entire transaction posted on the Cardholder’s SOA.

11. Transaction Conversion monthly installments will not earn points.

12. The monthly installment amount shall be posted as 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 regular finance charges.

13. In case of early termination, PNB shall impose a 5% processing fee based on the remaining unpaid principal amount of Php 500.00 whichever is higher. The total unpaid amount plus the applicable fees shall be posted back as regular straight transaction.

14. The cardholder acknowledges his/her liability to PNB for all converted transactions and agrees that these will form part of his/her obligation to PNB.

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

16. The following Terms and Conditions that govern the Transaction Conversion Promo shall be superseded by the Implementing Rules and Regulations (IRR) of Section 4 (aa) of Republic Act (R.A.) No. 11469, otherwise known as the “Bayanihan to Heal as One Act” until such guideline is in effect. 

PNB Cards 24/7 Hotline (+632) 8818 9818 / DTF 1800 10 818 9 818
PNB is regulated 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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