Jan 1 – Dec 31, 2026
Eligible cards
0% interest for up to 3 months payment term for a minimum purchase of P5,000
Shop Now, Get Billed Later
Promo is from January 1 to December 31, 2026.
The promo is open to all active principal and supplementary PNB-issued credit cards in good credit standing except Corporate Cards.
Minimum transaction amount for 0% installment is P5,000. Cardholders will be duly informed of both minimum purchase requirements and available installment options 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.
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 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.
Other banks
The same kind of deal, from other banks.
Same bank
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 principal amount or Php500, whichever is higher, shall be charged to the cardholder’s account. The unpaid total installment principal 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 discount is not convertible to cash, miles, points or other products.
This promo cannot be used in conjunction with other promotions.
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-244758 Series of 2025.
Summarised from PNB's public promo page. Banks can change or end promos at any time, so check the official page before you pay.
