PNB MasterCard Portal

Promo 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 16, 2016 to March 31, 2016.

3. Minimum installment purchase amount is P 3,000. However, participating merchants have the sole discretion on the minimum amount, payment term/s and items offered for this promotion.

4. 0% interest is subject to bank approval and valid if the monthly bill is paid in full.

5. All 0% installment transactions posted in the Cardholder’s account shall earn Rewards Points/Miles. Points/Miles will be reflected in the SOA upon posting of the monthly amortization.

6. In case of pre-termination, PNB shall impose a 5% pre-termination fee based on the remaining unpaid total installment amount or P500, whichever is higher. The unpaid total installment amount plus the applicable fees will be posted as regular straight transaction.

7. 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.

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

9. PNB has the final decision in case of dispute with prior approval of DTI.

Redemption of Freebies and Discounts (ZAPP PLUS):

1. PNB cardholders who wish to avail of the offer may go to merchant partner and present their card prior payment. Cardholder should advise merchant personnel that they will avail the promo and purchase will be on 0% installment.

2. Offers (freebies and discount) are not convertible to cash, points, miles and cannot be used in conjunction with other promotions.

3. Freebies can be redeemed until sixty (60) days from end of promo period.

Participating Branches:

Ayala Cebu • CSI Mall Dagupan • Festival Mall • Glorietta 3 • Limketkai Mall CDO • Market! Market • Metropoint • NCCC Mall • NE Pacific • Pavilion Mall • Robinsons Iloilo • SM Bacolod • SM Bacoor • SM Baguio • SM Baliuag • SM Batangas • SM Bicutan • SM CDO • SM Cebu • SM Clark • SM Dasmarinas • SM Davao EO • SM Iloilo • SM Lipa • SM Lucena • SM Mall of Asia • SM Manila • SM Marikina • SM Marilao • SM Megamall • SM Molino • SM Muntinlupa • SM Pampanga • SM San Lazaro • SM Southmall EO • SM Sta. Rosa • SM Sucat A • SM Taytay EO • SM Valenzuela • Sta. Lucia • Virra Mall • Waltermart Gapan