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The actual computed monthly installment amortization may differ from the sample computed monthly amortization due to the rounded values.

• There will be a processing fee of P250 for every approved Balance Transfer application, which will be automatically charged to the cardholder’s credit card account upon posting of first monthly installment.
• The Balance Transfer request will be processed for a minimum of seven (7) banking days.
• A cardholder is allowed only for five (5) outstanding balance transfer transactions at a time.
• Balance Transfer will be processed on a per transaction basis. Cardholder cannot combine balances from different credit cards to reach the minimum amount required.
• Cardholder may split the amount he/she wants to transfer and apply it for different terms.
• Cardholders can transfer balances from non-PNB credit cards under his/her name or from non-PNB credit cards under his/her relatives' names, up to parents, spouse, and children. Cardholder must submit a copy of marriage contract or relevant birth certificate as proof of relation.
• Balance Transfer transactions shall not earn rewards points.
• Balance Transfer application shall be subject to evaluation. Accommodation shall be based on the cardholder's credit standing, account status (must be active and no past due), and available credit limit.
• The amount that can be transferred should be within the available credit limit in the cardholder's PNB credit card. Total amount, inclusive of interest, must not exceed available credit limit.
• In case of insufficient credit limit, PNB has the sole discretion to determine and approve only a portion of the Balance Transfer amount applied for.
• Cardholders may inquire about the status of their Balance Transfer request by calling the Customer Service Hotline at (+632) 8818 9 818 or DTF 1800 10 818 9 818.
• PNB shall issue a check payable under the name of the issuing bank indicated on the request form. Check will be directly deposited to the issuing bank's nearest payment center. As proof of settlement, cardholder may refer to his/her monthly Statement of Account of the card the balance transfer originated from.
• Cardholder must continue to pay the minimum amount due required by the other credit card company while the application is still in process. PNB shall not be held liable in the event of delay of payment or rejection/nonacceptance of payment.
• The Balance Transfer first monthly installment will be immediately posted to the cardholder's SOA upon approval of request.
• The monthly installment amount shall be posted as a regular transaction on your 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 the regular finance charges.
• Cardholder may request to charge the full amount of the remaining unbilled amortization subject to PNB’s approval. A processing fee of 5% of the remaining unbilled principal or P500, whichever is higher, shall be charged to the cardholder’s account. The remaining unbilled principal together with the interest for the current month plus the applicable fees will form part of the outstanding balance and subject to monthly finance charge if not fully settled on or before the due date.
• Failure to pay 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 Balance Transfer request that has been approved and that will form part of the cardholder's obligation to PNB.
• The Terms and Conditions governing issuance and the use of PNB Credit Cards are incorporated herein by reference and made an integral part hereof.

Per DTI Fair Trade Permit No. FTEB-266545, Series of 2026