Sep 7, 2026 – Mar 31, 2027
Eligible cards
Mechanics:
This promo is open to new-to-bank Principal Credit Card applicants who will apply and get approved* for any of the ff. PNB Mastercard credit card within the promo period.
PNB Essentials Mastercard
PNB Platinum Mastercard (excluding all co-branded Platinum credit cards)
PNB Cashback Titanium Mastercard
*with correct and complete details and requirements
Promo period is from September 07, 2026, to March 31, 2027. Only applications approved within the promo period are eligible for this promo.
Newly approved qualified PNB Mastercard credit card principal cardholders who will use his/her newly issued PNB Mastercard credit card and reach the required single or accumulated minimum spend within the spend period will qualify for FREE ANNUAL FEE for LIFE.
| Credit Card | Minimum Spend Requirement |
|---|---|
| PNB Essentials Mastercard | PHP 30,000 |
| PNB Cashback Titanium Mastercard | PHP 50,000 |
| PNB Platinum Mastercard | PHP 60,000 |
| Approval Period | Spend Period |
|---|---|
| September 07, 2026 – March 31, 2027 | September 07, 2026 – April 30, 2027 |
| Approval Period | Spend Period | Notification Period |
|---|---|---|
| September 07, 2026 – March 31, 2027 | September 07, 2026 – April 30, 2027 | May 01, 2027 – June 30, 2027 |
Retail transactions and posted monthly Installment amortizations are qualified for the minimum spend requirement.
The following transactions are not qualified for the spend requirement for the FREE ANNUAL FEE for LIFE offer:
Supplementary cardholder transactions shall form part of the principal cardholder’s spend requirement.
This promotion will not apply in conjunction with any other existing bank acquisition promotion.
Standard processing of new to bank application is from 10 to 15 banking days upon receipt of application with complete requirements.
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.
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.
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 annual fee amount to the cardholder’s account.
Summarised from PNB's public promo page. Banks can change or end promos at any time, so check the official page before you pay.
Other banks
The same kind of deal, from other banks.
Same bank
In case of dispute on Cardholder’s eligibility for the promo, PNB’s decision shall prevail. All questions or disputes regarding the Cardholder’s eligibility for the Promo or for any redemption shall be resolved by PNB at its discretion.
The Terms & Conditions Governing Issuance and Use of PNB Credit Cards are incorporated herein by reference and made an integral part thereof.
Any changes to the Terms and Conditions governing the offer are subject to DTI approval.
Per DTI Fair Trade Permit No. FTEB-266466, Series of 2026
