• 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

    • 50% 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 ₱6,000.00 (Annual fee waived for the first year.)
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 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

50% 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

Quickest Way To Travel The World

If you’re aspiring to view exotic places and world renowned locations then the PNB Mabuhay Miles World MasterCard is the credit card for you! Get to accumulate Mabuhay Miles faster with a very low point-to-Mabuhay Mile conversion of just ₱33 for 1 point which converts to 1 Mile. Enjoy the benefit of getting free 2,000 Mabuhay Miles as welcome gift for newly activated, first time principal cardholders. As a new and first time principal cardholder, you can also receive an additional 10,000 Mabuhay Miles for free when you accumulate up to ₱100K worth of transactions at PAL within your first year as a cardholder. And lastly, take advantage of priority check-in at PAL Business Class Counters in NAIA Terminal 2 as you experience travel privileges like no other.

Fees and charges of PNB Mabuhay Miles World MasterCard Credit Card

For this credit card, you don’t need to pay annual fee for the first year. The interest rate is 2.7% charged per month. Late payment fee is ₱300 or $10 and cash advance charge is 5% of cash advance amount in Peso or 2% for US Dollars including transaction fee of ₱100.00 or $3.00. Cash advance interest charge is also 2.7% per month.

Are you eligible for a PNB Mabuhay Miles World MasterCard Credit Card?

If you want to apply as a principal cardholder, the minimum income requirement is ₱40,000 per month. The principal cardholder should also be at least 21 - 65 years of age. To enroll a supplementary cardholder, the person must be 13 years of age and above.

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? Compare our wide selection and select your chosen card to proceed with your PNB credit card online application for a free, quick, and easy application process.