PNB Cashback Titanium Mastercard
Got your back with cashbackMake the most out of your every spend with a card that offers year-round cashback of up to 8%!
Why apply for a PNB Cashback Titanium Mastercard?
- ✓ Cashback offers of up to 8% all year round
- ✓ Up to PHP 15,000 savings annually
- ✓ No minimum spend requirement to earn cashback
- ✓ Sustainable card made from 85% recycled materials
- ✓ Free annual fee for life for all your PNB Supplementary Credit Cards
What can I do with my PNB Cashback Titanium Mastercard?
Got your back with cashback!
Reach your personal and financial goals faster with a card that gives back.
Get up to 8% cashback on your purchases with PNB Cashback Titanium Mastercard.
To support the environment and PNB’s commitment to developing sustainable products, your PNB Cashback Titanium Mastercard is made from 85% recycled materials.
Terms and conditions apply.
| Merchant Category | Cashback Rate | Earning Period |
| Wellness | 8% | January to March |
| Leisure | 8% | April to June |
| Home Care | 8% | July to September |
| Retail | 8% | October to December |
| Dining and Online Spend | 3% | January to December |
| All your other purchases | 0.2% | January to December |
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Electronic Statement of Account View your Electronic Statement of Account (eSOA) through our secure online access via:
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PNB Digital App Pay your credit card, pay bills, check balances, monitor transactions, manage card controls, and view eSOA, rewards points, and credit card PIN anytime, anywhere with the PNB Digital App. Download it now on the App Store or Google Play! |
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Cash Advance Get cash up to 30% of your credit limit from over 5,000 BancNet and over 1,600 PNB ATMs nationwide. |
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Balance Transfer Step up with the ultimate credit card shift with a low interest rate advantage. Balance Transfer can quickly move your other credit card balances to your new PNB Cashback Titanium Mastercard |
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Convert-to-Cash Convert your credit limit into cash and pay the same in installment terms at low interest rates. |
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Transaction Conversion Convert your straight payments into installments and enjoy low interest rates. |
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Zero % Affordable Payment Plan (ZAPP) Shop at PNB-affiliated partner merchants for your expensive must-haves at 0% interest on installment and choose your preferred payment term from 3, 6, 9, 12, 18, up to 24 months. |
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Free E-Commerce Purchase Protection Incomplete delivery or even non-delivery of online purchases are covered for up to USD 200. |
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Mastercard Travel and Lifestyle Services Plan and book your travels and events conveniently through a service portal for more memorable experiences. |
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Priceless Specials Program Discover and explore a wide collection of promos and exclusive privileges – from travel to sports and even entertainment |
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Free Travel Insurance Up to PHP 3M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB Cashback Titanium Mastercard. Travel-related concerns such as flight delay and lost luggage are covered. |
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Fraud Transaction Insurance Up to PHP 250,000 covered for only PHP 120 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. Terms and conditions apply. |
PNB Credit Card Terms and Conditions | Fees and Charges | PNB Cashback Card Program Terms and Conditions
I want to apply now!
Qualifications to Apply
- 21-65 years old
- Annual income is at least PHP 120,000
In the application form, choose “Others” under “Preferred Credit Card” and specify “PNB Cashback Titanium Mastercard”
Frequently Asked Questions
- How do I activate my credit card?
- You can activate your PNB Credit Card through the following:
- Text PNB ACTIVATE 16-digital Credit Card number and send to 22566808
Example: PNB ACTIVATE 1234567812345678 - Call PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818
- Text PNB ACTIVATE 16-digital Credit Card number and send to 22566808
- You can activate your PNB Credit Card through the following:
- 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.
- 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.
- How can I pay my bill?
- You can pay your PNB Credit Card bill through any of the following:
- PNB
- ATMs and branches of Philippine National Bank
- PNB Digital App
- Automatic Debit Arrangement with PNB Savings/Checking Account
- Overseas Branches and Remittance Centers
- 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
- PNB
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, and the PNB Digital App. A PNB deposit account (in USD) is needed to proceed with the payment via ADA and the PNB Digital App.
*Select “PNB Credit Cards” as the biller when paying via online payment channels. - You can pay your PNB Credit Card bill through any of the following:
- What are the applicable credit card fees and charges?
- Please click here to view all applicable fees and charges.
- I didn’t receive my monthly billing/eSOA. What do I do?
- Please make sure that your registered e-mail address is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
- How do I update my information?
- Call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph. Make sure your mobile no., e-mail address, TIN, SSS/GSIS no, and other info are up to date. Also ensure you submit your latest income tax return (ITR).
- My PNB Debit Card is already signed up to the PNB Digital App. How can I add my PNB Credit Card?
- Go to More and click on Add Account. You can also add an account from the My Accounts screen by clicking on the + button on the upper right corner.
- Read and agree to the Terms and Conditions
- Enter the card number and expiry date.
- Enter the 6-digit One-Time PIN (OTP) sent via SMS to your mobile number registered with PNB Cards.
- View the confirmation screen indicating that the account has been added and click Okay.
- 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?
- Please make sure that your registered mobile no. is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
- Who can I contact if ever I have questions or concerns about the credit card?
- You can contact us through the following:
- PNB Cards 24/7 Customer Service Hotline: (+632) 8818 9818.
- PNB Credit Cards Email: pnbcreditcards@pnb.com.ph.
- You can contact us through the following:
- What is the PNB Cashback Titanium Mastercard?
- The PNB Cashback Titanium Mastercard boasts of its year-round cashback offers with quarterly highlights. Its primary benefit to the cardholders is instant gratification through automatic and permanent cashback offers.
- What transactions are eligible to earn cashback?
- The amount of cashback earned will vary depending on the transaction’s posting date and merchant category code. The cashback earning schedule and coverage shall be as follows:
Cashback Rate Earning Period (Posting Date) Merchant Industry Qualified Merchant Category Code (MCC) MCC Description 8% January to March Wellness 5655 Sports Apparel, and Riding Apparel Stores 5941 Sporting Goods Stores 7032 Sporting and Recreational Camps 7997 Clubs–Country Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses 7999 Recreation Services–Not Elsewhere Classified 8% April to June Leisure 7832 Motion Picture Theaters 4899 Cable, Satellite, and Other Pay Television and Radio Services 8% July to September Home Care 5712 Equipment, Furniture and Home Furnishings Stores (except Appliances) 5713 Floor Covering Stores 5072 Hardware Equipment and Supplies 5200 Home Supply Warehouse Stores 5251 Hardware Stores 5300 Wholesale Clubs 8% October to December Retail 5311 Department Stores 3% January to December Dining 5812 Eating Places/Restaurants 3% January to December Online Spend 5399 Misc. General Merchandise 0.2% January to December Other retail purchases N/A MCCs not falling under any category for Bonus and Accelerated Note: The eligibility of a transaction to earn cashback is determined by its MCC. PNB has no control over the assignment of MCCs. PNB only follows the MCC assignment of the merchant’s acquiring bank. Another basis of basis for qualification of transactions to earn cashback is the posting date, not the transaction date. Transaction date is the date you made your purchase while posting date is the date that your transaction is posted on your account. These two may not always be the same date, and is dependent on the settlement date of the merchant, which PNB has no control over.
- The amount of cashback earned will vary depending on the transaction’s posting date and merchant category code. The cashback earning schedule and coverage shall be as follows:
- Will I also earn rewards points with my PNB Cashback Titanium Mastercard?
- PNB Cashback Titanium Mastercard does not earn rewards.
- Can I convert my earned cashback to Mabuhay Miles?
- No. All cashback earned are non-transferable and non-convertible to rewards points, Mabuhay Miles, physical cash or other similar monetary types or vehicles.
- Is there a minimum amount I need to spend to earn rebates?
- No, there is no minimum spend is required for qualified transactions to earn cashback.
- Is there a limit as to the amount of cashback I can earn?
- Yes, earning and redemption of cashback shall be subject to a maximum cap of PHP 1,250 per statement billing cycle.
- Will my supplementary cards each have their own cashback cap?
- No, the earned cashback of the Supplementary Cardholder are pooled under the Account of the Principal Cardholder.
- When and how can I redeem my cashback?
- There is no need to fill out any forms or call the PNB Cards 24/7 Customer Service Hotline to redeem your cashback/rebates. The rebates earned on your PNB Cashback Titanium Mastercard will be automatically posted or credited to your monthly statement of account.
- The schedule for earning and posting of cashback shall be subject to the statement cutoff of the credit card. For example:
Statement cut-off March 31, 2025 Earning period of cashback and computation of cashback cap Transactions posted from March 1, 2025 to March 31, 2025 Posting date of cashback for above statement cut-off April 1, 2025 *reflected on the following statement of accountStatement of account where the cashback will be reflected April 30, 2025
- Are there transactions that do not earn cashback?
- Yes. Transactions that fall under the following Merchant Category Codes are not eligible to earn cashback:
Merchant Category Code Description 4829 Money Transfer-Merchant 6010, 6011 Manual and Automated Cash Disbursements – Customer Financial Institution 6050, 6051 Quasi-cash Merchant 6533 PSP Merchant Payment Transaction 6537 Money Send Intercountry 6540 POI Funding Transactions 7995 Gambling Transactions Note: Merchant Category Codes are used to classify establishments and merchants based on the nature of their business. The eligibility of a transaction to earn cashback shall be based on and determined by its Merchant Category Code, as imposed by Mastercard. - The following transactions shall not be qualified to earn cashback:
- Payment transactions
- Convert-to-Cash transactions
- Balance Convert transactions
- Balance Transfer transactions
- Transaction Conversion transactions
- Cash Advance transactions
- Any and all fees and charges
- Yes. Transactions that fall under the following Merchant Category Codes are not eligible to earn cashback:
- Do my foreign transactions earn cashback too?
- Yes, foreign transactions also earn rebates, subject to the PNB Cashback Titanium Mastercard cashback rates and schedule as well as the transaction’s merchant category code and posting date.
- Transactions or purchases made in dollar or third currencies will be converted to Philippine Peso using Mastercard’s prevailing rate upon posting. The converted amount to Philippine Peso will be the basis of computation of cashback for eligible transactions.
- Can my installments earn rebates? If yes, how will those rebates be posted?
- Yes, retail or merchant installment transactions also earn rebates, subject to the PNB Cashback Titanium Mastercard cashback rates and schedule as well as the transaction’s merchant category code and posting date.
- The basis for the computation of earned cashback on retail installment transactions shall be the monthly amortization already posted to the account. Outstanding retail installment amortizations not yet posted to the account will not earn cashback.
- What can I do with the PNB Digital App?
- Easily sign up your PNB Credit Card
- Pay your PNB Credit Card bill
- Pay bills using your PNB Credit Card
- Check your PNB Credit Card balances and available credit limit
- View Credit Card PIN
- Monitor your PNB Credit Card transactions
- View and download your Electronic Statement of Account (eSOA)
- View rewards points
- View the latest PNB Cards promos
- How do I sign up my PNB Credit Card to the PNB Digital App
- Tap Sign Up and agree to the Terms and Conditions.
- Choose Credit Card Number as the sign up option.
- Enter your valid PNB Credit Card Number, Card Expiry Date, and Date of Birth.
- Enter the Online Activation Code (OAC) sent to your e-mail address registered with PNB Cards.
- Enter the 6-digit one-time-PIN (OTP) sent to your mobile number registered with PNB Cards.
- Create a new user ID and password for your PNB Digital Account*.
- Choose your login option:
- Password
- Fingerprint/Touch ID
- Face ID
- Receive a notification on your registered e-mail address and mobile number and view your PNB Digital dashboard.
If you are an existing user of PNB Account Access Portal since July 31, 2021 or earlier:You may use the same User ID when you sign up for us to migrate your existing saved payees and billers to PNB Digital. - Can I view my full PNB Credit Card number on the PNB Digital App?
- Yes, you can view your 16-digit PNB Credit Card number by clicking the “eye” button on the right side of your credit card number. Please make sure you do not share your credit card information with anyone.
- Can all PNB Credit Cards be signed up to the PNB Digital App?
- No, the following cannot be signed up to the PNB Digital App:
- PNB Supplementary Credit Cards
- PNB Installment Credit Cards
- PNB Business Credit Card
- PNB Corporate Multi Mastercard
- No, the following cannot be signed up to the PNB Digital App:
- How many mobile devices can I use with the PNB Digital App?
- You can only use one (1) device to access your PNB Digital Account. If you want to use another device, you need to unregister your current device. Login and go to More > Registered Device.
- Who can I contact if ever I have questions or concerns about my PNB Digital app account?
If you have both a deposit account and a PNB Credit Card enrolled in the app, please contact:- PNB Customer Care Hotline: (+632) 8573 8888.
- PNB Customer Care Email: customercare@pnb.com.ph.
- PNB Cards 24/7 Customer Service Hotline: (+632) 8818 9818 or DTF 1800 10 818 9818.
- PNB Credit Cards Email: pnbcreditcards@pnb.com.ph.
- What should I do if I lose my credit card?
- Immediately report your lost credit card to the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818. Please note that you are accountable for transactions made prior to the reporting of the lost credit card unless you enrolled your lost credit card for Fraud Transaction Insurance, which covers 12 hours prior to reporting of the lost credit card. Fraud Transaction Insurance is on a per credit card enrollment basis.
- Where can I report unauthorized transactions?
- Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818 or download the Dispute Form and e-mail it to pnbcreditcards@pnb.com.ph.
- How can I report incorrect amount/charges?
- Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818 or download the Dispute Form and e-mail it to pnbcreditcards@pnb.com.ph.
Promos |
P2,500 rebates with Free First Month
Up to 10% OFF at Fully Booked
Up to P400 OFF at Medgate
PNB Cashback Titanium Mastercard
Got your back with cashbackWhy apply for a PNB Cashback Titanium Mastercard?
- ✓ Cashback offers of up to 8% all year round
- ✓ Up to PHP 15,000 savings annually
- ✓ No minimum spend requirement to earn cashback
- ✓ Sustainable card made from 85% recycled materials
- ✓ Free annual fee for life for all your PNB Supplementary Credit Cards
 |
 |
What can I do with my PNB Cashback Titanium Mastercard?
-
Got your back with cashback!
Reach your personal and financial goals faster with a card that gives back.
Get up to 8% cashback on your purchases with PNB Cashback Titanium Mastercard.
| Merchant Category | Cashback Rate | Earning Period |
| Wellness | 8% | January to March |
| Leisure | 8% | April to June |
| Home Care | 8% | July to September |
| Retail | 8% | October to December |
| Dining and Online Spend | 3% | January to December |
| All your other purchases | 0.2% | January to December |
- Electronic Statement of Account
- View your electronic statement of account (eSOA) via PNB Digital App or your e-mail registered with PNB Cards.
- PNB Digital App
- Pay your credit card, pay bills, check balances, monitor transactions, manage card controls, and view eSOA, rewards points, and credit card PIN anytime, anywhere with the PNB Digital App.
- Cash Advance
- Get cash up to 50% of your credit limit from BancNet and PNB ATMs nationwide.
- Balance Transfer
- Step up with the ultimate credit card shift with a low interest rate advantage. Balance Transfer can quickly move your other credit card balances to your new PNB Cashback Titanium Mastercard.
- Convert-to-Cash
- Convert your credit limit into cash and pay the same in installment terms at low interest rates.
- Transaction Conversion
- Convert your straight payments into installments and enjoy low interest rates.
- Zero % Affordable Payment Plan (ZAPP)
- Shop at PNB-affiliated partner merchants for your expensive must-haves at 0% interest on installment and choose your preferred payment term from 3, 6, 9, 12, 18, up to 24 months.
- Free E-Commerce Purchase Protection
Incomplete delivery or even non-delivery of online purchases are covered for up to USD 200. - Mastercard Travel and Lifestyle Services
Plan and book your travels and events conveniently through a service portal for more memorable experiences. - Priceless Specials Program
Discover and explore a wide collection of promos and exclusive privileges – from travel to sports and even entertainment. - Free Travel Insurance
Up to PHP 3M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB Cashback Titanium Mastercard. Travel-related concerns such as flight delay and lost luggage are covered. - Fraud Transaction Insurance
Up to PHP 250,000 covered for only PHP 120 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.
Terms and conditions apply.
PNB Credit Card Terms and Conditions
Fees and Charges
PNB Cashback Card Program Terms and Conditions
Fees and Charges
PNB Cashback Card Program Terms and Conditions
I want to apply now!
Qualifications to Apply
- 21-65 years old
- Annual income is at least PHP 120,000
Requirements
- 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., PhilID Card / ePhilID (printed)/ Digital National ID, Driver’s License, Passport, TIN (Ecard only), SSS, UMID, or Company ID with signature of company’s authorized representative and employee)
- 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.
- Latest Income Tax Return with BIR Stamp and latest Audited Financial Statement
- Photo-bearing Government-issued ID with signature (e.g., PhilID Card / ePhilID (printed)/ Digital National ID, Driver’s License, Passport, TIN (Ecard only), SSS, UMID, or Company ID with signature of company’s authorized representative and employee)
- 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
In the application form, choose “Others” under “Preferred Credit Card” and specify “PNB Cashback Titanium Mastercard”
Frequently Asked Questions
- How do I activate my credit card?
- You can activate your PNB Credit Card through the following:
- Text PNB ACTIVATE 16-digital Credit Card number and send to 22566808
Example: PNB ACTIVATE 1234567812345678 - Call PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818
- Text PNB ACTIVATE 16-digital Credit Card number and send to 22566808
- You can activate your PNB Credit Card through the following:
- 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.
- 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.
- How can I pay my bill?
- You can pay your PNB Credit Card bill through any of the following:
- PNB
- ATMs and branches of Philippine National Bank
- PNB Digital App
- Automatic Debit Arrangement with PNB Savings/Checking Account
- Overseas Branches and Remittance Centers
- 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
- PNB
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, and the PNB Digital App. A PNB deposit account (in USD) is needed to proceed with the payment via ADA and the PNB Digital App.
*Select “PNB Credit Cards” as the biller when paying via online payment channels. - You can pay your PNB Credit Card bill through any of the following:
- What are the applicable credit card fees and charges?
- Please click here to view all applicable fees and charges.
- I didn’t receive my monthly billing/eSOA. What do I do?
- Please make sure that your registered e-mail address is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
- How do I update my information?
- Call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph. Make sure your mobile no., e-mail address, TIN, SSS/GSIS no, and other info are up to date. Also ensure you submit your latest income tax return (ITR).
- My PNB Debit Card is already signed up to the PNB Digital App. How can I add my PNB Credit Card?
- Go to More and click on Add Account. You can also add an account from the My Accounts screen by clicking on the + button on the upper right corner.
- Read and agree to the Terms and Conditions
- Enter the card number and expiry date.
- Enter the 6-digit One-Time PIN (OTP) sent via SMS to your mobile number registered with PNB Cards.
- View the confirmation screen indicating that the account has been added and click Okay.
- 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?
- Please make sure that your registered mobile no. is updated. If not, please call the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or fill out the Cardholder Request Form and send an e-mail to pnbcreditcards@pnb.com.ph to have it updated.
- Who can I contact if ever I have questions or concerns about the credit card?
- You can contact us through the following:
- PNB Cards 24/7 Customer Service Hotline: (+632) 8818 9818.
- PNB Credit Cards Email: pnbcreditcards@pnb.com.ph.
- You can contact us through the following:
- What is the PNB Cashback Titanium Mastercard?
- The PNB Cashback Titanium Mastercard boasts of its year-round cashback offers with quarterly highlights. Its primary benefit to the cardholders is instant gratification through automatic and permanent cashback offers.
- What transactions are eligible to earn cashback?
- The amount of cashback earned will vary depending on the transaction’s posting date and merchant category code. The cashback earning schedule and coverage shall be as follows:
Cashback Rate Earning Period (Posting Date) Merchant Industry Qualified Merchant Category Code (MCC) MCC Description 8% January to March Wellness 5655 Sports Apparel, and Riding Apparel Stores 5941 Sporting Goods Stores 7032 Sporting and Recreational Camps 7997 Clubs–Country Clubs, Membership (Athletic, Recreation, Sports), Private Golf Courses 7999 Recreation Services–Not Elsewhere Classified 8% April to June Leisure 7832 Motion Picture Theaters 4899 Cable, Satellite, and Other Pay Television and Radio Services 8% July to September Home Care 5712 Equipment, Furniture and Home Furnishings Stores (except Appliances) 5713 Floor Covering Stores 5072 Hardware Equipment and Supplies 5200 Home Supply Warehouse Stores 5251 Hardware Stores 5300 Wholesale Clubs 8% October to December Retail 5311 Department Stores 3% January to December Dining 5812 Eating Places/Restaurants 3% January to December Online Spend 5399 Misc. General Merchandise 0.2% January to December Other retail purchases N/A MCCs not falling under any category for Bonus and Accelerated Note: The eligibility of a transaction to earn cashback is determined by its MCC. PNB has no control over the assignment of MCCs. PNB only follows the MCC assignment of the merchant’s acquiring bank. Another basis of basis for qualification of transactions to earn cashback is the posting date, not the transaction date. Transaction date is the date you made your purchase while posting date is the date that your transaction is posted on your account. These two may not always be the same date, and is dependent on the settlement date of the merchant, which PNB has no control over.
- The amount of cashback earned will vary depending on the transaction’s posting date and merchant category code. The cashback earning schedule and coverage shall be as follows:
- Will I also earn rewards points with my PNB Cashback Titanium Mastercard?
- PNB Cashback Titanium Mastercard does not earn rewards.
- Can I convert my earned cashback to Mabuhay Miles?
- No. All cashback earned are non-transferable and non-convertible to rewards points, Mabuhay Miles, physical cash or other similar monetary types or vehicles.
- Is there a minimum amount I need to spend to earn rebates?
- No, there is no minimum spend is required for qualified transactions to earn cashback.
- Is there a limit as to the amount of cashback I can earn?
- Yes, earning and redemption of cashback shall be subject to a maximum cap of PHP 1,250 per statement billing cycle.
- Will my supplementary cards each have their own cashback cap?
- No, the earned cashback of the Supplementary Cardholder are pooled under the Account of the Principal Cardholder.
- When and how can I redeem my cashback?
- There is no need to fill out any forms or call the PNB Cards 24/7 Customer Service Hotline to redeem your cashback/rebates. The rebates earned on your PNB Cashback Titanium Mastercard will be automatically posted or credited to your monthly statement of account.
- The schedule for earning and posting of cashback shall be subject to the statement cutoff of the credit card. For example:
Statement cut-off March 31, 2025 Earning period of cashback and computation of cashback cap Transactions posted from March 1, 2025 to March 31, 2025 Posting date of cashback for above statement cut-off April 1, 2025 *reflected on the following statement of accountStatement of account where the cashback will be reflected April 30, 2025
- Are there transactions that do not earn cashback?
- Yes. Transactions that fall under the following Merchant Category Codes are not eligible to earn cashback:
Merchant Category Code Description 4829 Money Transfer-Merchant 6010, 6011 Manual and Automated Cash Disbursements – Customer Financial Institution 6050, 6051 Quasi-cash Merchant 6533 PSP Merchant Payment Transaction 6537 Money Send Intercountry 6540 POI Funding Transactions 7995 Gambling Transactions Note: Merchant Category Codes are used to classify establishments and merchants based on the nature of their business. The eligibility of a transaction to earn cashback shall be based on and determined by its Merchant Category Code, as imposed by Mastercard. - The following transactions shall not be qualified to earn cashback:
- Payment transactions
- Convert-to-Cash transactions
- Balance Convert transactions
- Balance Transfer transactions
- Transaction Conversion transactions
- Cash Advance transactions
- Any and all fees and charges
- Yes. Transactions that fall under the following Merchant Category Codes are not eligible to earn cashback:
- Do my foreign transactions earn cashback too?
- Yes, foreign transactions also earn rebates, subject to the PNB Cashback Titanium Mastercard cashback rates and schedule as well as the transaction’s merchant category code and posting date.
- Transactions or purchases made in dollar or third currencies will be converted to Philippine Peso using Mastercard’s prevailing rate upon posting. The converted amount to Philippine Peso will be the basis of computation of cashback for eligible transactions.
- Can my installments earn rebates? If yes, how will those rebates be posted?
- Yes, retail or merchant installment transactions also earn rebates, subject to the PNB Cashback Titanium Mastercard cashback rates and schedule as well as the transaction’s merchant category code and posting date.
- The basis for the computation of earned cashback on retail installment transactions shall be the monthly amortization already posted to the account. Outstanding retail installment amortizations not yet posted to the account will not earn cashback.
- What can I do with the PNB Digital App?
- Easily sign up your PNB Credit Card
- Pay your PNB Credit Card bill
- Pay bills using your PNB Credit Card
- Check your PNB Credit Card balances and available credit limit
- View Credit Card PIN
- Monitor your PNB Credit Card transactions
- View and download your Electronic Statement of Account (eSOA)
- View rewards points
- View the latest PNB Cards promos
- How do I sign up my PNB Credit Card to the PNB Digital App
- Tap Sign Up and agree to the Terms and Conditions.
- Choose Credit Card Number as the sign up option.
- Enter your valid PNB Credit Card Number, Card Expiry Date, and Date of Birth.
- Enter the Online Activation Code (OAC) sent to your e-mail address registered with PNB Cards.
- Enter the 6-digit one-time-PIN (OTP) sent to your mobile number registered with PNB Cards.
- Create a new user ID and password for your PNB Digital Account*.
- Choose your login option:
- Password
- Fingerprint/Touch ID
- Face ID
- Receive a notification on your registered e-mail address and mobile number and view your PNB Digital dashboard.
If you are an existing user of PNB Account Access Portal since July 31, 2021 or earlier:You may use the same User ID when you sign up for us to migrate your existing saved payees and billers to PNB Digital. - Can I view my full PNB Credit Card number on the PNB Digital App?
- Yes, you can view your 16-digit PNB Credit Card number by clicking the “eye” button on the right side of your credit card number. Please make sure you do not share your credit card information with anyone.
- Can all PNB Credit Cards be signed up to the PNB Digital App?
- No, the following cannot be signed up to the PNB Digital App:
- PNB Supplementary Credit Cards
- PNB Installment Credit Cards
- PNB Business Credit Card
- PNB Corporate Multi Mastercard
- No, the following cannot be signed up to the PNB Digital App:
- How many mobile devices can I use with the PNB Digital App?
- You can only use one (1) device to access your PNB Digital Account. If you want to use another device, you need to unregister your current device. Login and go to More > Registered Device.
- Who can I contact if ever I have questions or concerns about my PNB Digital app account?
If you have both a deposit account and a PNB Credit Card enrolled in the app, please contact:- PNB Customer Care Hotline: (+632) 8573 8888.
- PNB Customer Care Email: customercare@pnb.com.ph.
- PNB Cards 24/7 Customer Service Hotline: (+632) 8818 9818 or DTF 1800 10 818 9818.
- PNB Credit Cards Email: pnbcreditcards@pnb.com.ph.
- What should I do if I lose my credit card?
- Immediately report your lost credit card to the PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818. Please note that you are accountable for transactions made prior to the reporting of the lost credit card unless you enrolled your lost credit card for Fraud Transaction Insurance, which covers 12 hours prior to reporting of the lost credit card. Fraud Transaction Insurance is on a per credit card enrollment basis.
- Where can I report unauthorized transactions?
- Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818 or download the Dispute Form and e-mail it to pnbcreditcards@pnb.com.ph.
- How can I report incorrect amount/charges?
- Please call our PNB Cards 24/7 Customer Service Hotline at (+632) 8818 9818 or DTF 1800 10 818 9818 or download the Dispute Form and e-mail it to pnbcreditcards@pnb.com.ph.
Promos |
P2,500 rebates with Free First Month
Up to 10% OFF at Fully Booked
Up to P400 OFF at Medgate
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