• Min. Monthly Income


  • Interest Rate

    3.25% /month

  • Annual Fee


Feature Highlights
  • FREE Travel Insurance up to ₱3M
  • Earn one (1) Mabuhay Mile for every ₱33 spend


  • FREE Travel Insurance up to ₱3M 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


  • Use your card while you shop and earn 1 Mabuhay Mile for every ₱33 you spend

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 ₱3,000.00
Min. monthly income ₱40,000.00
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 3.25% 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, 3.25%

Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Take Control of your Travels

Take charge and be in complete control of your travels with PNB Mabuhay Miles Platinum Mastercard. With this card, it’s easier to get travel awards and service class upgrades on Philippine Airlines compared to any other card with its low point-to-Mile conversion of only ₱33. Have peace of mind when travelling and feel secured with free travel insurance coverage of up to ₱3M. You also get the benefits of world class concierge services as well as medical emergency and travel assistance whether local or abroad, 24/7.

Fees and Charges of PNB Mabuhay Miles Credit Card

Annual membership fee is ₱3,000 for principal cardholders. Monthly interest charge is 3.25%. Late payment charge is ₱300 flat fee for delinquency period not more than 60 days. For delinquency period of 60 days or more, it will be 7% of the total amount due.

Are you eligible for a PNB Mabuhay Miles Platinum Mastercard?

If you like to apply, you have to be 21 - 65 years old with a minimum monthly income of 40,000. Supplementary cardholders should be 13 years old and above.

Need help in which card to pick? Our team also suggests that you view BDO Cathay Pacific American Express Credit Card and BPI Delta SkyMiles Classic Credit Card, both are quite similar to the card you're interested in.

If you're still searching for other options, why not browse for other no annual fee PNB credit cards, to enjoy more savings with the right card for your needs.