Eligible cards
The promo is open to all active principal and supplementary PNB issued cards in good credit standing, excluding Corporate Cards.
Promo period is until December 31, 2026.
Available and minimum transaction amount:
| Payment Term | Minimum Transaction Amount |
|---|---|
| 3 months | P3,000 |
| 6 months | P5,000 |
Cardholders will be duly informed if items applicable for 0% interest, minimum purchase requirements and available installment terms by partner merchant.
Participating merchants have the sole discretion on the term/s and item/s or service/s applicable for the 0% installment offering.
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.
Cardholder should advise store personnel that payment of the transaction will be Shop Now, Get Billed Later installment. "SHOPNOWGETBILLEDLATER" or "SNGBL" should be indicated on the charge slip to make the transaction valid.
Other banks
The same kind of deal, from other banks.
Same bank
0% interest is subject to bank approval and valid if the total amount due is paid in full.
All 0% installment transactions posted in the Cardholder’s account shall earn Rewards Points/Miles. Points/Miles 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 outstanding balance. 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 total unpaid installment balance or P500, whichever is higher, shall be charged to the cardholder’s account. The unpaid total installment 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 are incorporated herein by reference and made integral part hereof.
The Terms and Conditions governing issuance and use of PNB credit cards are incorporated herein by reference and made integral part hereof.
In case of dispute, PNB has the final decision upon approval of DTI.
Per DTI Fair Trade Permit No. FTEB-59 Series of 2026.
Summarised from PNB's public promo page. Banks can change or end promos at any time, so check the official page before you pay.
