Apply, Spend, and Enjoy FREE Annual Fee for Life with PNB Diamond UnionPay!

Activate your PNB Diamond UnionPay card and spend at least ₱50,000 during the promo period to enjoy a FREE Annual Fee for Life.

Program Mechanics

1. This promo is open to new-to-bank Principal Credit Card applicants who will apply and get approved* for a PNB Diamond UnionPay card within the promo period.

   *with correct and complete details and requirements

2. Promo period is from July 10, 2026, to December 29, 2026. Only applications approved within the promo period are eligible for this promo.

3. Newly approved PNB Diamond UnionPay principal cardholders who will use his/her newly issued PNB Diamond UnionPay credit card and reach the required single or accumulated minimum spend of P50,000 within the spend period will qualify for FREE ANNUAL FEE for LIFE.

4. Customers who meet the minimum spend requirement will receive a notification via SMS and/or Email advisory to inform them that they have qualified for the FREE ANNUAL FEE for LIFE offer.

5. Retail transactions and posted monthly Installment amortizations are qualified for the minimum spend requirement.

6. The following transactions are not qualified for the spend requirement for the FREE ANNUAL FEE for LIFE offer:

   • Credit Card Fees & Charges
     • Reversed / disputed transactions
     • Cash Advance via ATM or over the counter
     • Non-merchant Installments
     • Gambling transactions (MCC Nos. 7995, 9406, 7801, 7802, 7800)
     • Money Transfer-Merchant (MCC No. 4829)
     • Manual and Automated Cash Disbursements (MCC Nos. 6010, 6011)
     • Quasi Cash (MCC Nos. 6050, 6051)
     • PSP Merchant Payment (MCC No. 6533)
     • Money Send (MCC No. 6537)
     • POI Funding (MCC No. 6540)

7. Supplementary cardholder transactions shall form part of the principal cardholder’s spend requirement.

8. This promotion will not apply in conjunction with any other existing bank acquisition promotion.

9. Standard processing of new to bank application is from 10 to 15 banking days upon receipt of application with complete requirements.

10. Applications are subject to Credit verification and evaluation and Credit Card Terms and Conditions. PNB reserves the right to decline, terminate, or cancel an application and its eligibility to the promo. PNB shall have the sole right whether to disclose the reason for rejection of an application.

11. Cardholders who replace, upgrade, downgrade or convert their existing credit cards to another credit card product within the promo period will not be eligible to join this promo.

12. The cardholder should maintain his/her card account in active and current status for at least 12 months from approval. Otherwise, PNB may charge back the amount to the cardholder’s account.