PAL Mabuhay Miles NOW MC
Classic
PNB · Mastercard · Classic
PAL Mabuhay Miles NOW MC
Why pick it: No annual fee for 3 years, 1 mile per ₱58
Entry PAL miles card: ₱58 per Mabuhay Mile, auto-converted; no annual fee for the first 3 years, then ₱1,000.
- Score
- 44 /100
- Rank
- #27 of 123
- Annual fee
- ₱1,000
Free sa first 3 years per the page. Bagay na starter para sa PAL miles.
Bottom line: First card mo ito at miles ang gusto mo? Okay ito, lalo na sa free first 3 years. Kapag lumaki na ang spend mo, lipat ka sa mas mataas na PAL card.
Read the full take: the math, what's good, what hurts
Para sa typical household (~₱825k a year), ~₱8,000 ang return at ~₱500 naman ang travel value pagkatapos ng foreign fee (2.50%, from the fees PDF). Galing sa data ang return, na binibilang ang points bilang miles. Annual fee: ₱1,000, free sa first 3 years per the page, tapos maaari kang humingi ng waiver, at sa bank ang final say, galing sa data. Hindi kasama sa data ang free 3 years. Sa open list, #27 ito mula sa 123; 44 ang score.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- ₱58 = 1 point = 1 Mabuhay Mile, auto-converted (kailangan ng Mabuhay Miles number), at may 1,000-mile welcome gift sa activation (first-time NOW cardholders lang).
- Mababa ang income requirement: ₱120,000 a year, galing sa data.
What's bad
- Kailangang hindi past due ang account para sa auto-conversion ng points, per the PNB-PAL T&C.
- Walang lounge na nakalista sa page, at kailangang buong roundtrip ticket ang na-charge sa card para sa ₱1M travel insurance.
- Capped sa ₱345 a month ang drugstore rewards, galing sa data.
The catch: Hindi nakalista sa product page ang halaga ng annual fee pagkatapos ng 3 years. Nasa Fees & Charges PDF ng PNB ang ₱1,000. Hindi rin nakalista sa page ang income at ang rewards cap, kaya mula sa data ang mga iyon.
Rechecked on the bank page on 2026-10-25. Not on the page: annual fee amount (product page itself; it is in the linked PDF); minimum income; fee waiver terms; rewards caps; lounge access. Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱8,500 in rewards (₱8,000) and travel value (₱500), before the ₱1,000 annual fee (on request; the bank decides)
- To qualify:
- ₱120,000 a year income
- Bank service:
- About typical.
First year
- Welcome offer:
- 1,000 Mabuhay Miles welcome gift on activation (first-time NOW cardholders, Mabuhay Miles number required) (no end date stated)
- Annual fee:
- Annual fee free for the first 3 years, then ₱1,000.
Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.
Who can apply
- Age:
- 21 to 65.
Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.
Score breakdown, fees, rewards and perks
Score breakdown
#27 of 123 cards open to new applicants, and #36 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value28 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend17 / 37
About ₱8,000 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers16 / 16
A ₱1,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend2 / 10
About ₱500 of travel value on one trip abroad a year, after the 2.50% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. How the bars work
- Promos and 0% installments4 / 15
0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 14 live promos tracked. How it is scored
- Points flexibility7 / 10
1 airline partner, and points that follow the airline. How it is scored
- Credit limit and upgrade path2 / 5
Classic card level, plus how PNB handles credit limit increases and card upgrades. How it is scored
- App and service2 / 5
Banking app: basic. Service: about typical. How it is scored
- Late fee1 / 2
A late fee of ₱1,000 for one missed payment. How it is scored
On the default spend: about ₱8,000 a year in rewards and ₱500 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- ₱1,000
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱120,000 a year
Rewards
1 Mabuhay Mile per ₱58, converted automatically after each statement. No cash credit option. Utility bills earn nothing.
Caps: ₱1,379 per month (groceries); ₱690 per month (fuel); ₱345 per month (drugstores)
- Type
- Miles
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱1,000,000, covers family
Watch out for
- Rewards on drugstores capped at ₱345 a month
Live and upcoming promos (14)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- PNBEnds Dec 31, 2026All PNB credit cards
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- PNBEnds Nov 12, 2026All PNB credit cards
- PNBOngoingAll PNB credit cards
- PNBEnds Dec 31, 2026All PNB credit cards
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- PNBEnds Oct 25, 2027All PNB credit cards
What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.