Elevated living, now with 0% interest

• 0% interest is subject to bank approval and valid if the total amount due is paid in full.
• First monthly amortization of the Shop Now, Get Billed Later (SNGBL) transactions shall be billed to the cardholders account on the third (3rd) statement cycle/cut-off date after approval of transaction.
• All 0% installment transactions posted in the Cardholder’s account shall earn  rewards points/miles and will be reflected in the SOA upon posting of the monthly amortization.
• 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 regular finance charges.
• Cardholders may request to charge the full amount of the remaining unbilled amortization subject to PNB’s approval. A processing fee of 5% of the total unpaid installment principal amount or Php500, whichever is higher, shall be charged to the cardholder’s account. The unpaid total installment principal amount plus interest and applicable fees will form part of the outstanding balance and subject to monthly finance charge.
• Failure to pay any two (2) consecutive minimum amount dues shall constitute default and the total outstanding balance shall immediately become due and demandable.
• Cardholder acknowledges his/her liability to PNB for the installment purchases and will form part of the cardholder’s obligation to PNB.
• The Terms and Conditions governing issuance and use of PNB credit cards can be incorporated herein by reference and made integral part hereof, if subject to Huawei’s written consent.
• In case of dispute, PNB has the final decision upon approval of DTI.

Per DTI Fair Trade Permit No. FTEB-261029, Series of 2026

PNB Cards 24/7 Hotline (+632) 8818 9818 / DTF 1800 10 818 9 818. PNB is regulated by the Bangko Sentral ng Pilipinas/consumer