Earn as much as P2,500 REBATES this Holiday Season
with PNB Card’s FREE First Month Installment Promo




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, 2020.

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

Merchant Name Minimum Purchase Amount Payment Terms

Ambassador Appliances

3,000

12 and 24 months
Ambassador Home and Electronics Centre
3,000
12 and 24 months
Gloria Bazar
3,000
12 and 24 months
Manila Imperial Motor Sales
(Starts November 2 to December 31, 2020)
3,000 12 and 24 months
Fone Style
6,000
12 and 24 months
Accent Hub
(Starts January 17 to December 31, 2020)
6,000  12 months
12,000
24 months
Automatic Centre
7,000 12 and 24 months
Wiltelcom
9,000 12 and 24 months
Audionet
10,000 12 and 24 months
Family Appliance
10,000
12 and 24 months
Jr. Memoxpress 
10,000
12 and 24 months
Memoxpress 
10,000
12 and 24 months
Power Premium Gadgets
10,000
12 and 24 months
Rulls Cellphones and Accessories 
10,000
12 and 24 months
Silicon Valley 
15,000
12 and 24 months
Digital Walker (Starts January 17 to December 31, 2020/Selected Branches)
18,000 24 months
Beyond the Box (Starts January 17 to December 31, 2020)
18,000
24 months
Abenson (Starts January 17 to December 31, 2020)
18,000
24 months
Electroworld (Starts January 17 to December 31, 2020)
18,000
24 months
AllStar Phones and Accessories
(Starts November 2 to December 31, 2020)
20,000 24 months
Asianic • Acrotech • PCHome (Mobile phones not included)
20,000 12 and 24 months
AV Surfer • Sony by Avid (Applicable to LED TV only)
20,000
12 and 24 months
Perfect Shot
24,000 12 and 24 months
TCA Digital Square
24,000 12 and 24 months
Gigahertz
25,000 12 and 24 months
BCG Premier Store
30,000 12 and 24 months
Asian Home Appliance
30,000
12 and 24 months
Camerahaus
30,000
12 and 24 months
Henry’s Cameras 
50,000 12 and 24 months
Switch  50,000 12 months
Ogawa (Starts March 16 to December 31, 2020)
50,000 12 and 24 months 

4. The Free First Month Installment 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 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
12 months
24 months
P30,000
P2,500
P1,250

7. The cost of free 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-23906 Series of 2020.

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