pnb-pal mabuhay miles world mastercard

PNB-PAL Mabuhay Miles World Mastercard

Minimum Annual Income


(P200,000 Monthly)

Interest Rate


Annual Fee


Product Summary

pnb-pal mabuhay miles world mastercard

PNB-PAL Mabuhay Miles World Mastercard

Travel the world in style and luxury with the PNB-PAL Mabuhay Miles World Mastercard. It’s one of PNB’s most prestigious credit cards. Spend in style and enjoy exclusive rewards and first-class features here and abroad. If you put a premium on prestige, then this card has your name on it.
  • Convert your rewards points easily: 1 point = 1 mile
  • Receive 2,000 Mabuhay Miles as a welcome gift
  • Get additional 10,000 Mabuhay Miles for your PAL spending
  • Avail of World Assist, an exclusive travel and medical concierge service
  • Enjoy priority check-in at PAL Business Class counters
  • Ideal for: people who like to travel and enjoy class and luxury
Existing Credit CardNot Required
Landline numberNot Required
Age21 to 65 years old
Minimum Annual IncomeP2,400,000
Regular Employee
Proof of income1
Government-issued ID1
Signed Certificate of Employment1
Annual FeeP6,000 / year
Annual Fee Waiver No
Monthly Effective Interest Rate2%
Cash Advance Fee5%

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Why Choose PNB-PAL Mabuhay Miles World Mastercard?

Are you looking for a credit card that lets you earn air miles at a faster rate? Try the PNB-PAL Mabuhay Miles World Mastercard, a card that gives free Mabuhay Miles as your welcome gift. Sounds enticing? Then continue reading this short review.

Get up to ₱12,000 free Mabuhay Miles

There are three ways to easily earn air miles with the PNB-PAL Mabuhay Miles World Mastercard. As a new cardholder, you’ll get free 10,000 Mabuhay Miles within 1 year from credit card issuance when you accumulate ₱100,000 worth of transactions at Philippine Airlines (PAL).

Second, earn more air miles through reward points since every ₱50 spend earns you 1 reward point and you can convert it into 1 air mile. So keep swiping your credit card for you to fly to your chosen destination for free with PAL.

Another way for you to earn Mabuhay Miles comes in the easiest of ways: for free! Yes, you’ll receive 2,000 Mabuhay Miles for free once you receive and activate your credit card. You’ll get a confirmation about the welcome gift via SMS.

Avail of Philippine Airlines’ priority check-in

As a PNB-PAL Mabuhay Miles World Mastercard cardholder, you can comfortably breeze your way to your plane seat ahead of the rest through PAL’s priority check-in. Just present your credit card at NAIA 2’s PAL Business Class Counters to avail of this feature.

Get 5% discount on select PAL international flights

Save money when booking your next international flight with PAL with your exclusive 5% discount on selected international flights. All you need to do is book through PAL’s website using your PNB-PAL Mabuhay Miles World Mastercard Mastercard and you’re all set!

Is PNB-PAL Mabuhay Miles World Mastercard the Right Card for You?

If you frequently fly with PAL, you’ll definitely benefit from the PNB-PAL Mabuhay Miles World Mastercard’s features. Want other perks? Choose from the credit cards below:

  • UnionBank Cebu Pacific Gold. Are you more of a Cebu Pacific flyer? You’re in luck since this co-branded credit card gives you exclusive access to seat sales. You’ll also get up to ₱40,000 life insurance coverage for free.
  • AirAsia Credit Card. Speed up earning reward points with this credit card since you’ll get 2x for every ₱25 AirAsia spend. You’ll also get 1 reward point for every ₱28 domestic retail spend and ₱22 international retail spend.


To qualify for the PNB Mabuhay Miles World Mastercard, you need to be 21 to 65 years old and earning at least ₱2,400,000 a year.

You can activate your PNB credit card by texting ACTIVATE and your 16-digit credit card number. Send the message to 22566808. Alternatively, you may also call the PNB Cards customer service line at (02) 8818-9818.

For dual currency billing, all your local transactions will be billed in Philippine Peso while all international transactions will be billed in US Dollar. There’s also an option to pay in Peso or Dollar, and it will be based on the day's payment rate.

The fee is 2.5% of the converted amount using the conversion rate of the day for Visa, Mastercard, or UnionPay. This fee applies to transactions made outside the Philippines except for US Dollars.

You can find your total rewards points in your Statement of Account. You may also check over the phone by calling the PNB Cards customer service hotline at (02) 8818-9818.


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