PAL Mabuhay Miles Platinum MC
Platinum
PNB · Mastercard · Platinum
PAL Mabuhay Miles Platinum MC
Why pick it: 1 Mabuhay Mile per ₱48, auto-converted
PAL miles card: ₱48 per Mabuhay Mile on all spend, auto-converted after each statement; utility bills excluded; ₱3,000 annual fee.
- Score
- 50 /100
- Rank
- #18 of 123
- Annual fee
- ₱3,000
Mas magaan ang fee para sa PAL miles, pero walang nakalistang lounge sa page.
Bottom line: Gusto mong mag-ipon ng PAL miles nang hindi mabigat ang fee? Gagana ito. Kung lounge ang goal mo, tingnan ang World MC; nakalista sa World MC page ang 4 shared visits.
Read the full take: the math, what's good, what hurts
Galing sa data ang return, na miles ang basehan ng value ng points. Para sa typical household (~₱825k a year), ~₱9,500 ito, at ~₱1,000 ang travel side pagkatapos ng foreign fee (2.50%, galing sa fees PDF). Annual fee: ₱3,000. Pwede mong hilingin ang waiver, bahala ang bank. Hindi kasama sa data ang free first year na nasa fees PDF. Nasa puwesto #18 sa 123, at 50 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
- ₱48 = 1 point = 1 Mabuhay Mile, auto-converted (kailangang nasa file ang Mabuhay Miles number mo).
- 2,000-mile welcome gift sa activation, plus 10,000 pang miles kapag nakapag-spend ka ng ₱100k sa PAL within 1 year (first-time cardholders lang).
- Hanggang ₱3M ang travel insurance kung buong roundtrip ticket ang na-charge sa card, at 5% off sa select PAL international flights na naka-book online.
What's bad
- Walang lounge access na nakalista sa page, kaya miles card ito sa nakikita namin.
- Hindi nag-e-earn ang utility bills, at capped sa ₱417 a month ang drugstore rewards, galing sa data.
- ₱1,200,000 a year ang income requirement, galing sa data (wala sa page).
The catch: Hindi nakalista sa product page ang annual fee; nasa Fees & Charges PDF ng PNB ang ₱3,000. Hindi rin binabanggit ng page ang waiver o ang 'no annual fee for life' promo na galing sa data.
Rechecked on the bank page on 2026-10-25. Not on the page: annual fee (product page itself; it is in the linked PDF); minimum income; fee waiver terms; no annual fee for life promo (our data); 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 ₱10,500 in rewards (₱9,500) and travel value (₱1,000), before the ₱3,000 annual fee (on request; the bank decides)
- To qualify:
- ₱1,200,000 a year income
- Bank service:
- About typical.
First year
- Welcome offer:
- No annual fee for life for new-to-bank approved Sep 7, 2026 - Mar 31, 2027 who spend ₱80,000 by Apr 30, 2027 (SMS registration required); 2,000 welcome miles (ends Mar 31, 2027)
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
#18 of 123 cards open to new applicants, and #24 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value33 / 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 spend20 / 37
About ₱9,500 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 waivers12 / 16
A ₱3,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend3 / 10
About ₱1,000 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 15 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 path4 / 5
Platinum 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 ₱9,500 a year in rewards and ₱1,000 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
- ₱3,000
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱1,200,000 a year
Rewards
1 Mabuhay Mile per ₱48, converted automatically. Utility bills earn nothing. Single or dual-currency billing.
Caps: ₱1,667 per month (groceries); ₱833 per month (fuel); ₱417 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 ₱3,000,000, covers family
Watch out for
- Rewards on drugstores capped at ₱417 a month
Live and upcoming promos (15)
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
Show 10 more
- PNBEnds Dec 31, 2026All PNB credit cards
- PNBEnds Nov 30, 2026Sat, Sun5 PNB cards: Platinum MC, PAL Mabuhay Miles Platinum MC, The Travel Club Platinum MC…
- 50% off lunch and dinner buffet at Café Ilang-Ilang, The Manila Hotel (Wed-Thu) with PNB MastercardScore 62PNBEnds Nov 26, 2026Wed, Thu9 PNB cards: Ze-Lo MC, Essentials MC, Platinum MC…
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- Karat World: 50% off gold and diamond pieces plus 0% for up to 12 months with PNB credit cardsScore 58PNBEnds Jan 3, 2027All PNB credit cards
- PNBEnds Oct 19, 2027All PNB credit cards
- 110 Years. 110 Winners: PNB Mastercard Q4 2026 spend raffle, up to P1.1M PAL eGC for top spenderScore 54PNBEnds Dec 31, 2026Register first9 PNB cards: Ze-Lo MC, Essentials MC, Platinum MC…
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
- 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.