Shop Now, Get Billed Later this Holiday Season!

ZAPP Installment Mechanics:

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

2. Promo period is from October 1 to December 31, 2018. Extended until January 31, 2019 as approved by DTI-FTEB.

3. Minimum amount for installment per merchant may vary starting from P3,000 to P50,000, with up to 24 months term on selected items. Cardholders will be duly informed of both minimum purchase requirements and available installment options by partner merchants.

4. 0% interest is subject to bank approval and valid if the total amount due is paid in full.

5. 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.

6. 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.

7. All 0% installment transactions posted in the Cardholder’s account shall earn rewards points or miles. Rewards points or miles will be reflected in the SOA upon posting of the monthly amortization.

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.

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

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

Shop Now, Get Billed Later Installment

1. First monthly amortization of the Shop Now, Get Billed Later transactions shall be billed to the cardholder’s account on the third (3rd) statement cycle/cutoff date after approval of transaction.

2. 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. 


1. Qualified PNB Cardholder may avail of the offers (freebies or discounts) when he/she uses his/her PNB card as payment in store.

2. Offer (freebie or discount) is not convertible to cash, points, miles, and cannot be used in conjunction with other PNB Credit Cards and partner merchants in-store promotion.

3. 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.

4. Freebies can be redeemed within sixty (60) days after the promo period.

5. Promo is valid in single-receipt transactions.

Click here to view list of participating merchants.

Per DTI-FTEB Permit No. 17541 Series of 2018.

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 /

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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: (02) 818-9-818 / DTF 1800-10-818-9-818

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