PAL Mabuhay Miles World Elite MC
World Elite
PNB · Mastercard · World Elite
PAL Mabuhay Miles World Elite MC
Why pick it: 1 Mabuhay Mile per ₱28 plus 10 lounge visits
Invite-only metal PAL card: ₱28 per Mabuhay Mile on all spend, 10 lounge visits, first-year Premier Elite status, ₱50,000 annual fee.
- Score
- 19 /100
- Status
- By invitation
- Annual fee
- ₱50,000
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
By-invitation-only na PAL card, ayon sa page. Ayos ang perks, pero mabigat ang ₱50,000 na fee.
Bottom line: Na-invite ka ba, at kaya mo ang ₱50,000 na fee? Sulit lang ito kung madalas kang lumipad sa PAL. Kung hindi, ibang card na lang.
Read the full take: the math, what's good, what hurts
Kung na-invite ka, ~₱17,000 ang rewards ng typical household (~₱825k a year) ayon sa data, at ang travel line ay ~₱5,500 pagkatapos ng foreign currency fee (2.50%, fees PDF). Annual fee: ₱50,000. Hindi nakasaad sa page ang waiver terms; kung hihilingin mo ito, sa bank ang desisyon. 19 ang score nito.
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
- ₱28 = 1 point = 1 Mabuhay Mile, auto-converted.
- 10 free shared lounge visits a year via Mastercard Travel Pass.
- Up to 40,000 welcome miles: 10,000 on activation and 30,000 with ₱150,000 PAL spend within 3 months.
- Premier Elite Mabuhay Miles membership sa year one, 5,000-point birthday gift kada taon, at travel, medical at e-commerce protection na nakalista sa page.
What's bad
- ₱25,000 ang supplementary at ₱17,500 ang metal card replacement (fees PDF). May footnote na libre ang first year ng 'others', pero hindi malinaw kung kasama ito.
- You must register for Mastercard Travel Pass before using the lounge visits, with 2 hours between redemptions.
- Keeping Premier Elite status takes ₱250,000 PAL spend a year.
The catch: Wala sa page ang halaga ng travel insurance. ₱10M ang ginagamit namin, ang pinakamataas na tier sa PNB Card Protect FAQ, pero hindi pinangalanan ang World Elite doon, kaya hindi namin makumpirma. Wala rin sa page ang income requirement, kaya i-check sa bank ang insurance at fee.
Rechecked on the bank page on 2026-10-25. Not on the page: travel insurance amount (the model uses ₱10M, PNB's top documented tier); minimum income; fee waiver terms; rewards caps. 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 ₱22,500 in rewards (₱17,000) and travel value (₱5,500), before the ₱50,000 annual fee (rarely waived at this fee level)
- To qualify:
- By invitation; By invitation only, for clients with a strong PNB relationship (by invitation)
- Bank service:
- About typical.
First year
- Welcome offer:
- Up to 40,000 Mabuhay Miles: 10,000 on activation plus 30,000 for ₱150,000 PAL spend within 3 months of issuance (no end date stated)
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.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value0 / 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 spend35 / 37
About ₱17,000 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 waivers0 / 16
A ₱50,000 fee that banks rarely waive at this level. How the bars work
- Travel and perks on the default spend7 / 10
About ₱5,500 of travel value on one trip abroad a year, after the 2.50% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and 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 16 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 path5 / 5
World Elite 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 ₱17,000 a year in rewards and ₱5,500 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
- ₱50,000
- Supplementary fee
- ₱25,000
- Fee waiver
- Rarely waived at this fee level
- Foreign transaction fee
- 2.50%
- Minimum income
- By invitation
- Also needs
- By invitation only, for clients with a strong PNB relationship
Rewards
By invitation only. 1 Mabuhay Mile per ₱28, converted automatically. Utility bills earn nothing. Metal card.
Caps: ₱2,857 per month (groceries); ₱1,429 per month (fuel); ₱714 per month (drugstores)
- Type
- Miles
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles
Travel perks
- International lounge visits
- 10 a year
- Local lounge
- None
- Travel insurance
- Up to ₱10,000,000, covers family
Strengths
- 10 free international lounge visits a year
- Travel insurance up to ₱10M covering family
Watch out for
- ₱50,000 annual fee; a waiver is not guaranteed
- Rewards on drugstores capped at ₱714 a month
Live and upcoming promos (16)
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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- 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.