Up to 50% OFF on Baby Gear

 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 until April 30, 2017 in all The SM Store nationwide.

3. Minimum transaction amount for 0% installment is P 5,000.

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 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.

6. 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.

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

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. All installment purchases are subject to the Terms and Conditions governing issuance
and use of PNB credit cards are incorporated herein by reference and made integral part

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

Per DTI-FTEB Permit No. 3687,Series of 2017.


PNB Cards 24/7 Hotline (02) 818-9-818 / DTF 1800-10-818-9-818
PNB is regulated by the Bangko Sentral ng Pilipinas.
BSP contact details: (02) 708-7087 / consumeraffairs@bsp.gov.ph.

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PNB Mastercard

PNB Credit Cards is located at:

3F Credit Card Group
6754 Ayala Ave. cor. Legaspi St.
Makati City, Philippines
TEL: 818-9-818 / DTF 1800-10-818-9-818
FAX: 892-7427

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