Convert your online transactions at 0% rate with PNB Transaction Conversion Program!

Promo Mechanics

1. The Transaction Conversion promo is open to all active principal PNB-issued Credit Cardholders in current status excluding Business, Corporate, Distribution, and Personal Installment Cards.

2. Promo runs from January 8, 2024 to December 31, 2024.

3. PNB shall have absolute and exclusive right to approve or reject the Transaction Conversion request, with justifiable reason/s. In case of rejection of the request, PNB is under no obligation to notify the cardholder of the said rejection and the reasons thereof.

4. Transaction Conversion request must be submitted not later than 5 banking days before due date of the latest Statement of Account (SOA). To apply, cardholders may call PNB Cards 24/7 Customer Service at (+632) 8818-9818 or DTF 1800-10-818-9-818 and request for Transaction Conversion. Requests received beyond the Statement of Account’s due date will no longer be accommodated.

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

6. The amount to be converted should be a minimum of Php 6,000 for 3-months term only. Add-on rates as shown below:

 Term  Rate  Effective Annual Interest Rate
 3  0.00%   0.000%


Sample Computation
Amount to be        charged P6,000
Installment Term 3 months
Rate 0%
Monthly Amortization Amount + Interest (0%)/ Installment Term = Monthly AmortizationP6,000 + 0% / 3 = P2,000 per month


7. Cardholders may combine transactions to reach the required amount of Php 6,000.

8. Foreign currency transactions will be converted into peso using the credit card rate of the day when the Transaction Conversion application is processed.

9. Qualified transactions are all online transactions. Quasi-cash/casino gaming transactions, installment transactions (ZAPP, Balance Transfer, Convert-to-Cash, Balance Conversion, and Transaction Conversion) and ATM transactions (cash advance, utility bills payment, etc.) are excluded from this promotion.

10. Only new ONLINE 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.

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

12. Transaction Conversion monthly installments will not earn points.

13. The monthly installment amount shall be posted as regular transaction on your credit card account and shall form part of the total amount due. Should the Cardholder choose to pay only a portion of the minimum amount due but not less than the minimum amount due, the monthly installment shall be subject to the regular finance charges.

14. 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 remaining 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.

15. Failure to pay two (2) consecutive minimum amount dues shall constitute default and the total outstanding balance shall immediately become due and demandable.

16. Cardholder acknowledges his/her liability to PNB for the Transaction Conversion request and will form part of the cardholder’s obligation to PNB.

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

Per DTI Fair Trade Permit No. FTEB-183415 Series of 2024.

Tel. No.: (+632) 8526 3131

Customer Care

Bank Hotline
Tel. No.: (+632) 8573-8888
PNB Cards
Tel. No.: (+632) 8818 9818
Deposits are insured by PDIC up to P500,000 per depositor.
PNB is regulated by the Bangko Sentral ng Pilipinas
BSP Webchat -
SMS: 021582277 (for Globe subscribers only)
BSP Facebook -
Privacy Policy