• Min. Monthly Income


  • Interest Rate

    2.7% /month

  • Annual Fee


Feature Highlights
  • FREE Travel Insurance up to ₱10M
  • Earn one (1) Mabuhay Mile for every ₱33 spend


  • FREE Travel Insurance up to ₱10M when you purchase your travel tickets (air, land, sea) using a PNB Mabuhay Miles MasterCard that covers travel-related concerns such as flight delay, lost/damaged luggage, and more.
  • FREE Purchase Protection Insurance that covers accidental damage of purchased items and lost items due to theft.


  • Earn one (1) Mabuhay Mile each time you spend ₱33 on travel expenses.
  • Free welcome gift of 2,000 PAL Mabuhay Miles when you activate your card.
  • Free 10,000 PAL Mabuhay Miles when you make ₱100K-worth of PAL transactions within 1 year from date of card issuance.


  • Earn one (1) Mabuhay Mile each time you spend ₱33 on your groceries


  • Earn one (1) Mabuhay Mile each time you spend ₱33 on your groceries

Other Features

  • Cash Advance

    • 30% of the credit limit and fees 5% of the outstanding amount.

  • Purchase Protection Insurance

    • Your purchased items are covered against accidental damage and theft for 90 days from date of purchase.

  • Dual Billing Flexibility

    • Your local transactions will be billed in Peso while international transactions get a separate billing in US Dollars with the option to pay in either Dollar or Peso currency (based on payment rate of the day).

  • 24/7 Customer Service

    • Know your balance, cut-off, and due date without the wait, 24/7, here, and abroad

  • eSOA

    • View your Electronic Statement of Account (eSOA) anytime, wherever you are, through their secure online access

Card Information

Annual fee Free (Annual fee waived)
Min. monthly income ₱40,000
Min. age for principal holder

21 - 65 years old

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder Annual fee waived
Finance charges 2.70% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee

₱400.00 or $15 (per sales slip)

Late payment charge

₱300.00 or $10.00

Cash advance amount

30% of credit limit

Cash advance charge

5% of cash advance amount for PHP or 2% for USD + transaction fee of ₱100.00 or $3.00

Cash advance interest charge

Same as credit card interest, 2.70%

Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

If you're a frequent traveller, make sure that you're using the right credit card for your overseas spending. To get the most benefits, we would recommend that you check out RCBC World Credit Card and Union Bank Miles + Platinum Visa Credit Card, both of which provide features similar to the card you're looking into.

Interested in other benefits? To help you with your search, you can browse for more PNB credit cards and choose which one matches your requirement criteria.