Sep 7, 2026 – Mar 31, 2027
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-PAL Mabuhay Miles Mastercard credit card within the promo period.
PAL Mabuhay Miles Platinum Mastercard
PNB-PAL Mabuhay Miles World 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-PAL Mabuhay Miles 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-PAL Mabuhay Miles Platinum Mastercard | PHP 80,000 |
| PNB-PAL Mabuhay Miles World Mastercard | PHP 100,000 |
| Approval Period | Spend Period |
|---|---|
| September 07, 2026 – March 31, 2027 | September 07, 2026 – April 30, 2027 |
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.
Cardholders will receive an SMS instructing them to register their card within the Spend Period to join the promo and qualify for the FREE ANNUAL FEE FOR LIFE offer. Cardholders should send the message indicated below to 22566808 to register.
PNBREGMMFREELast-4 Digits of PNB Credit Card
Cardholders who do not successfully register will not be awarded free annual fee for life.
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.
| Cardholder Sends a message to 22566808 | Synermaxx received the SMS and sends back |
|---|---|
| PNB<space>REG<space>MMFREE<space>Last-4 Digits of PNB Credit Card | Scenario: Valid Syntaxx, Matching Last 4 Digits, and Mobile Number Response: You are now registered to the PNB-PAL Mabuhay Miles Mastercard Credit Card Apply, get Approved and Spend to get Free Annual Fee for Life offer. Use your PNB-PAL Mabuhay Miles Mastercard Credit Card to get Free Annual Fee for Life. TCs apply. |
| Scenario: Invalid Syntaxx Response: The keyword you have used is invalid. Ensure that you are using the correct keyword. | |
| Scenario: Mobile Number and/or Last 4 Digits do not match Response: The details you entered don’t match our records. Kindly check that you’re using your registered mobile number and correct details before trying again. | |
| Scenario: Exceeded Maximum Number of Tries Response: You’ve reached the maximum number of attempts for today. Please try again tomorrow. |
Per DTI Fair Trade Permit No. FTEB-266456, Series of 2026
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
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.
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.
Promo Registration:
