PNB-PAL Mabuhay Miles Platinum Mastercard: fees, interest and requirements
The PNB-PAL Mabuhay Miles Platinum Mastercard has an annual fee of ₱3,000 a year, waived in the first year, charges 3% a month on unpaid balances and needs a minimum income of ₱1,200,000 a year.
Verdict: Worth it if you fly often enough that its miles or lounge access are worth more than ₱3,000 a year to you. The first year is free. Skip it if you earn under ₱1,200,000 a year.
From PNB Applicable Credit Card Fees and Charges (June 2026 v2). Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add the ₱3,000 annual fee and a year comes to ₱4,212, 64th lowest of 127 cards open to the public (tied with 14).
PNB's closest card is the PNB Platinum Mastercard. Against it, this card asks for ₱1,200,000 a year in income against ₱600,000 a year, earns rewards on different terms and has different perks.
BSP supervised: Philippine National Bank, universal and commercial bank, BSP institution ID 34, is on the BSP Verifier list dated Sep 28, 2026.
What the PNB-PAL Mabuhay Miles Platinum Mastercard gives you
- PHP 48 = 1 rewards point = 1 Mabuhay Mile. Mabuhay Miles number required. PNB card page
- Get 2,000 Mabuhay Miles welcome gift same page
- Additional free 10,000 Mabuhay Miles: Obtainable upon reaching P100k-worth of transactions at PAL within 1 year from card issuance. same page
- Year-round exclusive PAL online discount: Enjoy 5% discount on select PAL international flights booked via www.philippineairlines.com when you use the first 6 digits of your credit card as the promo code. same page
- Free Travel Insurance: Up to P3M covered when you charge your entire roundtrip land, air, or sea tickets to your PNB-PAL Mabuhay Miles Platinum Mastercard. Travel-related concerns such as flight delay and lost luggage are covered. same page
- Free Purchase Protection Insurance: Up to P250k covered annually. Your purchased items are covered against accidental damage and theft within 90 days from date of purchase. same page
- Experience 0% installment up to 24 months when you shop from select PNB-affiliated partner merchants. same page
Who should get the PNB-PAL Mabuhay Miles Platinum Mastercard
| If | Then |
|---|---|
| You pay in full every month and want a travel and miles card | The Maya Black Credit Card (Maya) asks the same or a lower income and costs ₱3,000 a year less as long as you use it monthly. Pick the PNB-PAL Mabuhay Miles Platinum Mastercard only if its rewards are worth more than that to you. |
PNB-PAL Mabuhay Miles Platinum Mastercard downsides, and what a late payment costs
- Needs at least ₱1,200,000 a year in income.
- The ₱3,000 fee is charged every year after the waiver ends.
- Foreign currency purchases cost 2.5% extra.
If you pay late: PNB charges up to ₱1,000, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due by the due date, or the full balance to pay no interest.
PNB-PAL Mabuhay Miles Platinum Mastercard annual fee, interest and charges
| Charge | PNB-PAL Mabuhay Miles Platinum Mastercard | When, and the rule |
|---|---|---|
| Annual fee | ₱3,000 a year Supplementary: free | Free for the first year. Supplementary cards have no annual fee for life. Fee table: PHP 3,000 for Platinum Mastercard, Mabuhay Miles Platinum Mastercard, Diamond UnionPay, LSGHAA Platinum Mastercard, and JCB Platinum.PNB fee table, June 2026 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| Cash advance | ₱200 a withdrawal | The BSP maximum (Circ. 1165). same table |
| Late payment | ₱1,000 | same table |
| Foreign transactions | 2.5% | same table |
Figures from PNB Applicable Credit Card Fees and Charges (June 2026 v2), PNB Credit Card Application Form (PNBCardsOmnibusAF_JUN2026). BSP ceilings: BSP Circular No. 1165, s.2023. How PNB words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: PNB billing rules.
Requirements and how to apply
Income: at least ₱1,200,000 a year (about ₱100,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: PNB contact and requirements.
Apply for the PNB-PAL Mabuhay Miles Platinum Mastercard on PNB's site
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| PNB-PAL Mabuhay Miles Platinum Mastercard PNB | ₱3,000 a year first year free | 3% | ₱4,212 | ₱1,200,000 a year |
| BDO Diners Club International BDO | ₱250 a month first year free | 3% | ₱4,212 | ₱396,000 a year |
| UnionBank Miles+ Platinum Visa UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱600,000 a year |
| UnionBank Platinum Visa UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱600,000 a year |