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PNB-PAL Mabuhay Miles World Mastercard

The card that lets you travel the world faster
Lavish on the red carpet, and enjoy low mile conversion, World Assist concierge service, and more with one of PNB’s most prestigious and highly rewarding credit cards

Why apply for a PNB-PAL Mabuhay Miles World Mastercard?

  • Earn rewards points and redeem for Mabuhay Miles at the low rate of 1 point = 1 mile
  • Get 2,000 Mabuhay Miles welcome gift
  • Get additional free 10,000 Mabuhay Miles when you spend at PAL
  • Get an exclusive year-round PAL online discount
  • Priority Check-in at PAL Business Class Counters
  • World Assist – travel and medical concierge service
  • Airport lounge access with Mastercard Airport Experiences (MCAE)
  • Spend securely with Card Protect
  • Free annual fee for life for all your PNB Supplementary Credit Cards
  • Choice of either single or dual currency billing
  • Global and online acceptance
  • Contactless payment
Download the app

What can I do with my PNB-PAL Mabuhay Miles World Mastercard?

Electronic Statement of Account
View your electronic statement of account (eSOA) via PNB Internet Banking or your e-mail registered with PNB Cards.
PNB Mobile App
Pay bills, check balances, monitor transactions, and more anytime, anywhere with the PNB Mobile App.
Cash Advance
Get cash up to 50% of your credit limit from BancNet and PNB ATMs nationwide.
Balance Transfer
Manage your credit card balances conveniently. Move your other credit card balances to your new PNB Credit Card with low interest rates for easier payments.
Convert-to-Cash
Convert your credit limit into cash and pay light installments at low interest rates.
Transaction Conversion
Convert your straight payments into installments and enjoy low interest on your purchases.
Zero % Affordable Payment Plan (ZAPP)
Experience 0% installment up to 24 months when you shop from select PNB-affiliated partner merchants.
Free Purchase Protection Insurance
Up to P250k covered annually. Your purchased items are covered against accidental damage and theft within 90 days from date of purchase.
Free Travel Insurance
Up to P10M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB-PAL Mabuhay Miles World Mastercard. Travel-related concerns such as flight delay and lost luggage are covered.
Fraud Transaction Insurance
Up to P250k covered for only P120 per year. Be worry-free from unauthorized charges when your card gets lost/stolen, or if your card is used in fraudulent transactions. Monthly coverage starts on the date of enrollment.
  • Earn rewards points from your transactions and redeem these for:
      Mabuhay Miles
    • PHP 30 = 1 rewards point = 1 Mabuhay Mile (TBR of P100M and above)
    • PHP 40 = 1 rewards point = 1 Mabuhay Mile (TBR of P50M – P99M)
    • PHP 50 = 1 rewards point = 1 Mabuhay Mile (TBR of P10M – P49M)
    • PHP 55 = 1 rewards point = 1 Mabuhay Mile (TBR below P10M or none)
    • *Redeemable in blocks of 2,000 points
      *Mabuhay Miles number required
      *TBR (Total Banking Relationship) = Checking Account + Savings Account + Time Deposit
  • 2,000 Mabuhay Miles welcome gift
    • Activate your credit card to get free Mabuhay Miles
    • For first-time PNB-PAL Mabuhay Miles Mastercard cardholders only
    • Mabuhay Miles number required
  • Additional free 10,000 Mabuhay Miles
    • Obtainable upon reaching P100k-worth of transactions at PAL within 1 year from card issuance.
    • For first-time PNB-PAL Mabuhay Miles Mastercard cardholders only.
    • Mabuhay Miles number required.
  • Year-round exclusive PAL online discount
    • Enjoy 5% discount on select PAL international flights booked via www.philippineairlines.com when you use the first 6 digits of your credit card as the promo code.
  • Priority Check-in at PAL Business Class Counters
    • Get the red-carpet experience at PAL Business Class Counters at NAIA Terminals 1, 2, & 3. Just show your PNB-PAL Mabuhay Miles World Mastercard.
  • World Assist
    • Domestic Concierge Service
      • Get assistance in making dining, entertainment, or travel reservations and other related concerns.
    • Comprehensive International SOS
      • Get round-the-clock emergency medical and travel assistance from International SOS. It works in partnership with businesses, governments, and non-profit organizations worldwide.
    • Contact Details
  • Mastercard Airport Experiences (MCAE)
    • Get connected to the largest network of airport lounges, as well as exclusive dining, spa, and retail offers.
    • 1 free lounge access per principal cardholder per year.
PNB Credit Card Terms and Conditions | Fees and Charges | PNB Rewards Terms and Conditions

I want to apply now!

Qualifications to Apply

  • 21-65 years old
  • Annual income is at least P2,400,000

Requirements to Apply

For applications made online, please compile all files into one (1) PDF. Please include a selfie holding your government ID. Make sure the photo is clear.
Employed    
  • Recent one (1) month payslip or Certificate of Employment (stating Gross Income, Date Hired, and Position) or ITR or active principal credit card number (with at least 1 year membership)
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or UMID or Company ID)
  • Proof of billing (for non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
  • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
Self-employed    
  • Latest Income Tax Return with BIR Stamp and latest Audited Financial Statement
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or Unified Multi-Purpose ID/UMID) or Company ID
  • Proof of billing (for non-carded or non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
  • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
If you are a foreign national, you must also submit either A or B of the following:
  • A
    • Passport
    • Alien Certificate of Residence (ACR)
    • Proof of billing (for non-carded or non-depositor)
      • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
    • And any of the following:
      • National ID
      • Internal Revenue Service (IRS) ID
      • Social Security Number (SSN) ID
      • Driver’s License
      • Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
      • Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC, or IC
  • B
    • Passport
    • Unexpired Philippine Retirement Authority ID (PRA) or Special Resident Retiree’s Visa (SRRV)
    • Proof of billing (for non-carded or non-depositor)
      • Utility bills (electricity, telephone, etc.) or credit card statement of account
    • And any of the following:
      • Bureau of Immigration Approved Order
      • Certificate of Deposit issued by the Bank where the PRA/Visa is deposited

Frequently Asked Questions

  1. How do I activate my credit card?
  2. How do I apply for a supplementary credit card?
    • You can apply at any PNB branch. Online application for supplementary credit cards is currently not available.
  3. How many supplementary credit cards can I apply for?
    • Each principal credit cardholder may have up to nine (9) supplementary credit cards. All supplementary credit cards enjoy free annual fee for life.
  4. How do single and dual currency billing work?
    • For single currency, all transactions will be billed in Peso.
      For dual currency, all local transactions will be billed in Peso. All international transactions will be billed in US Dollar, with the option to pay in Dollar or Peso based on the payment rate of the day.
  5. How can I pay my bill?
    • You can pay your PNB Credit Card bill through any of the following:
      • PNB
      • Others
        • ATMs of participating BancNet members
        • BDO branches
        • SM and Savemore payment centers nationwide
        • Mobile/Internet Banking of participating BanNet members (e.g. BDO, GCash)
        • BancNet online
    Note:
    *Payments made via PNB channels will be reflected on the account within 1-2 banking days after the date of payment.
    *Payments made via other payment centers and online payment channels will be reflected on the account within 2-4 banking days after the date of the payment.
    *Additional 3 banking days will be needed in processing check payments as they are subject to clearing.
    *Payment of dollar accounts is only applicable for PNB branches, ADA, mobile banking, and internet banking. A PNB deposit account (in USD) is needed to proceed with the payment via ADA, mobile banking, and internet banking.
    *Select “PNB Credit Cards” as the biller when paying via online payment channels.
  6. How can I pay my US Dollar statements in US Dollars?
    • Statements in US Dollar can be paid in two ways:
      • Dollar Payment: Pay via PNB Mobile Banking App, PNB Internet Banking, or any PNB Branch
      • Peso Payment: Pay via any PNB branch
  7. What are the applicable credit card fees and charges?
    • Please click here to view all applicable fees and charges.
  8. I didn’t receive my monthly billing/eSOA. What do I do?
  9. How do I update my information?
  10. My PNB Debit Card is already signed up to the PNB Mobile Banking App. How can I sign up my PNB Credit Card?
    1. On the PNB Mobile Banking App, go to My Accounts page and click the three dotted button on the upper right corner.
    2. Select Enroll Credit Card.
    3. Enter your valid PNB Credit Card number, date of birth, and card expiration date then click Continue.
    4. Enter the correct one-time PIN (OTP) sent to mobile number registered with PNB Cards.
    5. Click Update Mobile Number if you want to change the mobile number saved in your PNB Mobile/Internet Banking account. Click Skip if you do not want to update your mobile number.
      *If you maintain different mobile numbers for your deposit account and PNB Credit Card, you will be asked to confirm which mobile number will be used to send your one-time PIN (OTP), messages, etc.
    6. Click OK if you agree to update your mobile number.
    7. Your Credit Card is now successfully signed up.
  11. I don’t receive my one-time PIN (OTP) whenever I try to enroll my Credit Card to the PNB Mobile Banking App. What do I do?
  12. Who can I contact if ever I have questions or concerns about the credit card?
About Rewards    
  1. How can I find out how many rewards points I have?
    • Your rewards points are included in your monthly Statement of Account. Please note the written number of rewards points is as of your statement date only. You may also inquire by calling the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
  2. How can I convert my rewards points to Mabuhay Miles?
    • Fill out the Rewards Redemption Form and e-mail it to pnbcreditcards@pnb.com.ph or call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
      Please note a Mabuhay Miles number is required in order to claim your Mabuhay Miles. To avoid inconvenience, please make sure your details with PNB and Mabuhay Miles, Inc. match. Please contact the customer hotline or the e-mail address mentioned above in order to update your information.
  3. How can I redeem my rewards points?
    • Fill out the Rewards Redemption Form and e-mail it to pnbcreditcards@pnb.com.ph or call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
      Please note a Mabuhay Miles number is required in order to claim your Mabuhay Miles. To avoid inconvenience, please make sure your details with PNB and Mabuhay Miles, Inc. match. Please contact the customer hotline or the e-mail address mentioned above in order to update your information.
  4. How do I obtain a Mabuhay Miles number?
    • Please register at www.mabuhaymiles.com or through the Mabuhay Miles app to obtain a Mabuhay Miles number.
  1. What should I do if I lose my credit card?
  2. Where can I report unauthorized transactions?
  3. How can I report incorrect amount/charges?

P2,500 rebates with Free First Month

VIEW PROMO

Up to 10% OFF at Fully Booked

VIEW PROMO

Up to P400 OFF at Medgate

VIEW PROMO

PNB-PAL Mabuhay Miles World Mastercard

The card that lets you travel the world faster
Lavish on the red carpet, and enjoy low mile conversion, World Assist concierge service, and more with one of PNB’s most prestigious and highly rewarding credit cards

Why apply for a PNB-PAL Mabuhay Miles World Mastercard?

  • Earn rewards points and redeem for Mabuhay Miles at the low rate of 1 point = 1 mile
  • Get 2,000 Mabuhay Miles welcome gift
  • Get additional free 10,000 Mabuhay Miles when you spend at PAL
  • Get an exclusive year-round PAL online discount
  • Priority Check-in at PAL Business Class Counters
  • World Assist – travel and medical concierge service
  • Airport lounge access with Mastercard Airport Experiences (MCAE)
  • Spend securely with Card Protect
  • Free annual fee for life for all your PNB Supplementary Credit Cards
  • Choice of either single or dual currency billing
  • Global and online acceptance
  • Contactless payment
Download the app

What can I do with my PNB-PAL Mabuhay Miles World Mastercard?

Card Services    
  • Balance Transfer
    • Manage your credit card balances conveniently. Move your other credit card balances to your new PNB Credit Card with low interest rates for easier payments.
  • Convert-to-Cash
    • Convert your credit limit into cash and pay light installments at low interest rates.
  • Transaction Conversion
    • Convert your straight payments into installments and enjoy low interest on your purchases.
  • Zero % Affordable Payment Plan (ZAPP)
    • Experience 0% installment up to 24 months when you shop from select PNB-affiliated partner merchants.
Card Protect    
  • Free Purchase Protection Insurance
    • Up to P250k covered annually. Your purchased items are covered against accidental damage and theft within 90 days from date of purchase.
  • Free Travel Insurance
    • Up to P10M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB-PAL Mabuhay Miles World Mastercard. Travel-related concerns such as flight delay and lost luggage are covered.
  • Fraud Transaction Insurance
    • Up to P250k covered for only P120 per year. Be worry-free from unauthorized charges when your card gets lost/stolen, or if your card is used in fraudulent transactions. Monthly coverage starts on the date of enrollment.
Rewards    
  • Earn rewards points from your transactions and redeem these for:
    • Mabuhay Miles
      • PHP 30 = 1 rewards point = 1 Mabuhay Mile (TBR of P100M and above)
      • PHP 40 = 1 rewards point = 1 Mabuhay Mile (TBR of P50M – P99M)
      • PHP 50 = 1 rewards point = 1 Mabuhay Mile (TBR of P10M – P49M)
      • PHP 55 = 1 rewards point = 1 Mabuhay Mile (TBR below P10M or none)
      • *Redeemable in blocks of 2,000 points
        *Mabuhay Miles number required
        *TBR (Total Banking Relationship) = Checking Account + Savings Account + Time Deposit
  • 2,000 Mabuhay Miles welcome gift
    • Activate your credit card to get free Mabuhay Miles
    • For first-time PNB-PAL Mabuhay Miles Mastercard cardholders only
    • Mabuhay Miles number required
  • Additional free 10,000 Mabuhay Miles
    • Obtainable upon reaching P100k-worth of transactions at PAL within 1 year from card issuance.
    • For first-time PNB-PAL Mabuhay Miles Mastercard cardholders only.
    • Mabuhay Miles number required.
  • Year-round exclusive PAL online discount
    • Enjoy 5% discount on select PAL international flights booked via www.philippineairlines.com when you use the first 6 digits of your credit card as the promo code.
  • Priority Check-in at PAL Business Class Counters
    • Get the red-carpet experience at PAL Business Class Counters at NAIA Terminals 1, 2, & 3. Just show your PNB-PAL Mabuhay Miles World Mastercard.
  • World Assist
    • Domestic Concierge Service
      • Get assistance in making dining, entertainment, or travel reservations and other related concerns.
    • Comprehensive International SOS
      • Get round-the-clock emergency medical and travel assistance from International SOS. It works in partnership with businesses, governments, and non-profit organizations worldwide.
    • Contact Details
  • Mastercard Airport Experiences (MCAE)
    • Get connected to the largest network of airport lounges, as well as exclusive dining, spa, and retail offers.
    • 1 free lounge access per principal cardholder per year.
PNB Credit Card Terms and Conditions
Fees and Charges
PNB Rewards Terms and Conditions

I want to apply now!

Qualifications

  • 21-65 years old
  • Annual income is at least P2,400,000

Requirements

For applications made online, please compile all files into one (1) PDF. Please include a selfie holding your government ID. Make sure the photo is clear.
Employed    
  • Recent one (1) month payslip or Certificate of Employment (stating Gross Income, Date Hired, and Position) or ITR or active principal credit card number (with at least 1 year membership)
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or UMID or Company ID)
  • Proof of billing (for non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
  • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
Self-employed    
  • Latest Income Tax Return with BIR Stamp and latest Audited Financial Statement
  • Photo-bearing Government-issued ID with signature (e.g. Driver’s License, Passport, TIN (Ecard only), SSS, or Unified Multi-Purpose ID/UMID) or Company ID
  • Proof of billing (for non-carded or non-depositor)
    • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
  • *Cardholders with hold-out deposits are not required to submit the documents indicated above.
If you are a foreign national, you must also submit either A or B of the following:
  • A
    • Passport
    • Alien Certificate of Residence (ACR)
    • Proof of billing (for non-carded or non-depositor)
      • Utility Bills (electricity, telephone, etc.) or Credit Card Statement of Account
    • And any of the following:
      • National ID
      • Internal Revenue Service (IRS) ID
      • Social Security Number (SSN) ID
      • Driver’s License
      • Work permit issued by DOLE (mandatory requirement) if employed in the Philippines
      • Company ID issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC, or IC
  • B
    • Passport
    • Unexpired Philippine Retirement Authority ID (PRA) or Special Resident Retiree’s Visa (SRRV)
    • Proof of billing (for non-carded or non-depositor)
      • Utility bills (electricity, telephone, etc.) or credit card statement of account
    • And any of the following:
      • Bureau of Immigration Approved Order
      • Certificate of Deposit issued by the Bank where the PRA/Visa is deposited

Frequently Asked Questions

  1. How do I activate my credit card?
  2. How do I apply for a supplementary credit card?
    • You can apply at any PNB branch. Online application for supplementary credit cards is currently not available.
  3. How many supplementary credit cards can I apply for?
    • Each principal credit cardholder may have up to nine (9) supplementary credit cards. All supplementary credit cards enjoy free annual fee for life.
  4. How do single and dual currency billing work?
    • For single currency, all transactions will be billed in Peso.
      For dual currency, all local transactions will be billed in Peso. All international transactions will be billed in US Dollar, with the option to pay in Dollar or Peso based on the payment rate of the day.
  5. How can I pay my bill?
    • You can pay your PNB Credit Card bill through any of the following:
      • PNB
      • Others
        • ATMs of participating BancNet members
        • BDO branches
        • SM and Savemore payment centers nationwide
        • Mobile/Internet Banking of participating BanNet members (e.g. BDO, GCash)
        • BancNet online
    Note:
    *Payments made via PNB channels will be reflected on the account within 1-2 banking days after the date of payment.
    *Payments made via other payment centers and online payment channels will be reflected on the account within 2-4 banking days after the date of the payment.
    *Additional 3 banking days will be needed in processing check payments as they are subject to clearing.
    *Payment of dollar accounts is only applicable for PNB branches, ADA, mobile banking, and internet banking. A PNB deposit account (in USD) is needed to proceed with the payment via ADA, mobile banking, and internet banking.
    *Select “PNB Credit Cards” as the biller when paying via online payment channels.
  6. How can I pay my US Dollar statements in US Dollars?
    • Statements in US Dollar can be paid in two ways:
      • Dollar Payment: Pay via PNB Mobile Banking App, PNB Internet Banking, or any PNB Branch
      • Peso Payment: Pay via any PNB branch
  7. What are the applicable credit card fees and charges?
    • Please click here to view all applicable fees and charges.
  8. I didn’t receive my monthly billing/eSOA. What do I do?
  9. How do I update my information?
  10. My PNB Debit Card is already signed up to the PNB Mobile Banking App. How can I sign up my PNB Credit Card?
    1. On the PNB Mobile Banking App, go to My Accounts page and click the three dotted button on the upper right corner.
    2. Select Enroll Credit Card.
    3. Enter your valid PNB Credit Card number, date of birth, and card expiration date then click Continue.
    4. Enter the correct one-time PIN (OTP) sent to mobile number registered with PNB Cards.
    5. Click Update Mobile Number if you want to change the mobile number saved in your PNB Mobile/Internet Banking account. Click Skip if you do not want to update your mobile number.
      *If you maintain different mobile numbers for your deposit account and PNB Credit Card, you will be asked to confirm which mobile number will be used to send your one-time PIN (OTP), messages, etc.
    6. Click OK if you agree to update your mobile number.
    7. Your Credit Card is now successfully signed up.
  11. I don’t receive my one-time PIN (OTP) whenever I try to enroll my Credit Card to the PNB Mobile Banking App. What do I do?
  12. Who can I contact if ever I have questions or concerns about the credit card?
About Rewards    
  1. How can I find out how many rewards points I have?
    • Your rewards points are included in your monthly Statement of Account. Please note the written number of rewards points is as of your statement date only. You may also inquire by calling the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
  2. How can I convert my rewards points to Mabuhay Miles?
    • Fill out the Rewards Redemption Form and e-mail it to pnbcreditcards@pnb.com.ph or call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
      Please note a Mabuhay Miles number is required in order to claim your Mabuhay Miles. To avoid inconvenience, please make sure your details with PNB and Mabuhay Miles, Inc. match. Please contact the customer hotline or the e-mail address mentioned above in order to update your information.
  3. How can I redeem my rewards points?
    • Fill out the Rewards Redemption Form and e-mail it to pnbcreditcards@pnb.com.ph or call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818.
      Please note a Mabuhay Miles number is required in order to claim your Mabuhay Miles. To avoid inconvenience, please make sure your details with PNB and Mabuhay Miles, Inc. match. Please contact the customer hotline or the e-mail address mentioned above in order to update your information.
  4. How do I obtain a Mabuhay Miles number?
    • Please register at www.mabuhaymiles.com or through the Mabuhay Miles app to obtain a Mabuhay Miles number.
  1. What should I do if I lose my credit card?
  2. Where can I report unauthorized transactions?
  3. How can I report incorrect amount/charges?

P2,500 rebates with Free First Month

VIEW PROMO

Up to 10% OFF at Fully Booked

VIEW PROMO

Up to P400 OFF at Medgate

VIEW PROMO

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Customer Care Contacts

PNB Cards
Tel. No.: (+632) 8818 9818
Email: pnbcreditcards@pnb.com.ph
Bank Hotline
Tel. No.: (+632) 8573 8888
Email: customercare@pnb.com.ph
Deposits are insured by PDIC up to P500,000 per depositor.
PNB is regulated by the Bangko Sentral ng Pilipinas consumeraffairs@bsp.gov.ph. Access BSP Online Buddy (BOB) via Webchat, Facebook, and SMS 021582277 (for Globe subscribers).
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