Enjoy FREE First Month Installment on your Christmas gifts




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 1 to December 31, 2021.

3. Minimum installment amount requirement may vary per merchant (please see list below).  Cardholders will be duly informed of both minimum purchase requirement and participating items by partner merchants.

• Minimum installment amount requirement

Merchant Name
Minimum Purchase Amount
Payment Term
Abenson
(starts January 25, 2021)
P18,000
24 months
Accent Hub
(starts May 28, 2021)
P12,000
24 months
Aerophone
(starts May 28, 2021)
P12,000  24 months
Asianic
(starts March 26, 2021)
P20,000 24 months
Acrotech
(starts March 26, 2021)
P20,000
24 months
Audionet
P10,000
24 months
Beyond the Box
(starts March 26, 2021)
P9,490
24 months
Blims
(starts May 28, 2021)
P12,000
24 months
Digital Walker
(starts March 26, 2021)
P9,490  24 months
Electroworld
(starts January 25, 2021)
P18,000
24 months
Family Appliance
P10,000
24 months
Fone Style
P3,000
24 months 
Gigahertz
(starts May 28, 2021)
P25,000
24 months
Jr. Memoxpress
(starts January 25, 2021)
P10,000 24 months
Lazboy
(starts May 28, 2021)
P12,000 24 months
Memoxpress
(starts January 25, 2021)
P10,000
24 months
Ogawa
(starts March 26, 2021)
P50,000 24 months
PC Home
(starts March 26, 2021)
P20,000 24 months
Rulls Cellphones and Accessories
P10,000 24 months
Sogo Home & Office
(starts May 28, 2021)
P12,000 24 months
Perfect Shot
P24,000
24 months
TCA Digital Square
P24,000
24 months
Merchant Name
Minimum Purchase Amount
Payment Term
Abenson
(starts January 25, 2021)
P18,000
24 months
Accent Hub
(starts May 28, 2021)
P12,000
24 months
Aerophone
(starts May 28, 2021)
P12,000  24 months
Asianic
(starts March 26, 2021)
P20,000 24 months
Acrotech
(starts March 26, 2021)
P20,000
24 months
Audionet
P10,000
24 months
Beyond the Box
(starts March 26, 2021)
P9,490
24 months
Blims
(starts May 28, 2021)
P12,000
24 months
Digital Walker
(starts March 26, 2021)
P9,490  24 months
Electroworld
(starts January 25, 2021)
P18,000
24 months
Family Appliance
P10,000
24 months
Fone Style
P3,000
24 months 
Gigahertz
(starts May 28, 2021)
P25,000
24 months
Jr. Memoxpress
(starts January 25, 2021)
P10,000 24 months
Lazboy
(starts May 28, 2021)
P12,000 24 months
Memoxpress
(starts January 25, 2021)
P10,000
24 months
Ogawa
(starts March 26, 2021)
P50,000 24 months
PC Home
(starts March 26, 2021)
P20,000 24 months
Rulls Cellphones and Accessories
P10,000 24 months
Sogo Home & Office
(starts May 28, 2021)
P12,000 24 months
Perfect Shot
P24,000
24 months
TCA Digital Square
P24,000
24 months

 

• Participating items

Merchant Name Participating Items Payment Term

Yupangco, Yamaha Music and Perfect Pitch Stores

(starts March 26, 2021)

• Yamaha Grand Piano

• Roland Digital Grand Piano

• Yupangco Grand Piano

24 months
Merchant Name Participating Items Payment Term

Yupangco, Yamaha Music and Perfect Pitch Stores

(starts March 26, 2021)

• Yamaha Grand Piano

• Roland Digital Grand Piano

• Yupangco Grand Piano

24 months

 

4. The Free First Month Installment/Rebate is not convertible to cash, rewards points, miles and cannot be used in conjunction with other PNB Credit Cards and partner merchant’s in-store promotions.

5. Transactions from this promotion will not earn reward points or miles whichever is applicable.

6. The Free First Month Installment/Rebate will be reflected on the cardholder’s account upon posting of the transaction. See below sample computation:

Sample Installment Amount FREE First Month Installment /Rebate
24 months
P24.000 P1,000
Sample Installment Amount FREE First Month Installment /Rebate
24 months
P24.000 P1,000

 

7. The cost of free first month installment will be charged to the cardholder’s account should he/she decide to cancel the transaction or his/her account becomes delinquent.

8. 0% interest is subject to bank approval and valid if the total amount due is paid in full.

9. The monthly installment amount shall be posted as a regular transaction on the credit card account and shall form part of the total amount due. 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.

10. Cardholder may request to charge the full amount of the remaining unpaid principal amount subject to PNB’s approval. A processing fee of 5% of the total unpaid principal balance or Php 500, whichever is higher, shall be charged to the cardholder’s account. The unpaid principal amount plus the applicable fees will form part of the outstanding balance and subject to monthly finance charge.

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

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

13. In the purchase of goods and services which are on promotional discount, The Senior Citizen can avail of the promotional discount or the discount provided under the Expanded Senior Citizens Act of 2010, whichever is higher.

14. The Terms and Conditions governing issuance and use of PNB credit cards are incorporated herein by reference and made integral part hereof.

15. In case of dispute, PNB has the final decision upon approval of DTI.

Per DTI Fair Trade Permit No. FTEB-111449 Series of 2020.


Customer Care

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Email: customercare@pnb.com.ph
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