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Promo Mechanics:
Promo Period : October 30 to November 28, 2021
Promo Offers : Enjoy the following perks when you use your PNB Credit Card:
• Up to 50% OFF on selected items
• Up to 12 months payment term for a minimum spend of P5,000
• Shop now and get billed 3 months later*
*First month installment will be billed on the 3rd statement cycle/cut-off date.
Per DTI Fair Trade Permit No. FTEB-129370 Series of 2021.
0% Installment and Shop Now, Get Billed Later Promo Mechanics:
1. The offer is open to all active principal and supplementary PNB issued credit cards in good credit standing except Corporate Cards.
2. Minimum installment amount is P5,000, 0% interest up to 12 months term.
3. Participating merchant has the sole discretion on the term/s and item/s or service/s applicable for the 0% installment offering.
4. First monthly amortization of the Shop Now, Get Billed Later (SNGBL) installment transactions shall be billed to the cardholder’s account on the third (3rd) statement cycle/cut-off date after approval of transaction.
5. 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.
6. 0% interest is subject to bank approval and shall apply if the total outstanding balance is paid in full.
7. 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.
8. 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.
9. Cardholder may request to charge the full amount of the remaining unbilled amortization subject to PNB’s approval. A processing fee of 5% of the total balance or Php 500, whichever is higher shall be charged to the cardholder’s account. The unpaid total installment amount plus the applicable fees will form part of the outstanding balance and subject to monthly finance charge.
10. Failure to pay any two (2) consecutive minimum amount dues shall constitute default and the total outstanding balance shall immediately become due and demandable.
11. Cardholder acknowledges his/her liability to PNB for the installment purchases and will form part of the cardholder’s obligation to PNB.
12. This promo cannot be used in conjunction with other promotions.
13. All installment purchases are subject to the Terms and Conditions governing the issuance and use of PNB credit cards are incorporated herein by reference and made integral part hereof.
14. In case of dispute, PNB has the final decision upon approval of DTI.
Per DTI Fair Trade Permit No. FTEB-116875 Series of 2021.
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