• Minimum Monthly Income:PHP 40,000.00
  • Annual Fee:PHP 6000.00 (waived for the first year)
  • APR: 2.7% per month
  • Point to Mile Ratio: PHP 30.00 = 1 mile
  • Foreign Transaction Fees:2.50%

PNB-PAL Mabuhay Miles World MasterCard

Where is PNB-PAL Mabuhay Miles World MasterCard best used?

Because of the recent changes to its point-to-mile conversions, we can no longer advise this as a starter credit card for the frequent flyer.

Even though it does have several attractive bonuses such as the free miles and discount in PAL transactions it won’t be worth it for people who aren’t avid fans of PAL.

This credit card is the best you can get if you see yourself flying PAL frequently in the future. Otherwise, you can start with a different credit card.

Perks and Benefits

  • Free 2000 Mabuhay Miles Welcome Gift on activation
  • Additional 10000 Mabuhay Miles
  • Upon reaching P100k worth of transactions at Philippine Airlines
  • Priority Check-in at PAL Business
  • Class Counters at NAIA Terminal
  • 2 Low point-to-mile conversion: P33 = 1point = 1mile
  • Free Travel Insurance of up to P10M
    Free Purchase Protection Insurance of up to P250K
  • Dual Currency Billing
  • Travel Awards on PAL
  • World Assist
  • Domestic Concierge Service
  • Comprehensive International SOS Coverage
  • Card Protect
  • Travel Insurance
  • Purchase Protection Insurance
  • Fraud Transaction Insurance
  • Electronic Statement of Account
  • PNB Cards 24/7 Customer Service
  • MasterCard Moments
  • PNB MasterCard in Contrli
  • Installment Programs
  • Balance Transfer
  • Convert-to-Cash
  • Transaction Conversion
  • Zero% Affordable Payment Plan
  • Cash Advance
  • Dual Billing Flexibility
  • Flexible Payment
  • Global Acceptance
  • Payment Centers

How to Apply

  1. Visit the PNB Credit cards website at
  2. Click the Apply now button then you’ll be redirected to a webpage that details the necessary requirements you need to be eligible for a credit card.
  3. You can download the application form below. Fill it out with your personal details. Afterwards, you can submit it to any PNB branch or have it scanned and then emailed to

Our Thoughts

PNB-PAL Mabuhay Miles World Mastercard is a co-branded credit card created by the partnership between PNB (Philippine National Bank) and Philippine Airlines.

This card is one of the only credit cards that provide bonus miles upon card activation.

It also provides bonus miles when the cardholder reaches a certain milestone.

Every cardholder gets 2,000 Mabuhay Miles for free, and another 10,000 Mabuhay Miles when you reach PHP100,000 worth of PAL transactions.

It boasts a 5% discount on select PAL international flights when they’re booked online and it gives cardholders Priority Check-in at PAL Business Class counters at NAIA Terminal 1, 2, and 3.

Additionally, it provides free travel insurance of up to PHP10,000,000 when purchasing tickets online and free Purchase Protection Insurance that covers accidentally damaged or stolen items purchased using the card.

As of March 2019, they have implemented a new system concerning their point-to-mile conversions. This means the card has multiple conversion rates depending on the cardholder’s TBR (Total Banking Records)

PHP30 1 Point 1 Mile TBR of PHP100M and above
PHP40 1 Point 1 Mile TBR of PHP50M – PHP99M
PHP50 1 Point 1 Mile TBR of PHP10M – PHP49M
PHP55 1 Point 1 Mile TBR of less than PHP10M


Card Details

Annual Fee PHP6,000
Annual Fee (Supplementary) WAIVED
APR (Annual Percentage Rate) 2.70%
Min. Yearly Income PHP480,000
Min. Age for Principal Holder 21-65 yrs old
Min. Age for Supplementary Holder 13 yrs old
Do You Need a Postpaid Account? YES
Identification Needed TIN, SSS/GSIS no.
Card Replacement Fee PHP400
Sales Slip Retrieval Fee PHP400
Late Payment Charge PHP300
Cash Advance Amount 50% of Credit Limit
Cash Advance Charge 5% of Cash Advance Amount for PHP + PHP100 transaction Fee
Cash Advance Interest Charge 2.7% (same as APR)
Cashback Limit N/A
Rewards Points Expiry no expiration
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