PAL Mabuhay Miles World MC
World
PNB · Mastercard · World
PAL Mabuhay Miles World MC
Why pick it: 4 free lounge visits a year, 1 mile per ₱38
PAL miles card: ₱38 per Mabuhay Mile (₱30 on PAL), auto-converted; 4 lounge visits, ₱6,000 annual fee.
- Score
- 63 /100
- Rank
- #9 of 123
- Annual fee
- ₱6,000
Para sa PAL flyers, may lounge visits at miles. Mabigat ang fee at income requirement.
Bottom line: Kaya mo ang income, at madalas kang lumipad sa PAL? Dito ka magsimula sa PNB cards. Kung hindi, ibang card na lang.
Read the full take: the math, what's good, what hurts
Kung typical household (~₱825k a year) ka, umaabot sa ~₱12,500 ang balik at ~₱3,000 naman ang travel value pagkatapos ng foreign fee (2.50%, galing sa fees PDF). ₱6,000 ang annual fee; subukan mong humingi ng waiver, pero ang bank ang magpapasya. Hindi kasama sa data ang free first year. Score 63, #9 sa 123.
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
- ₱38 = 1 point = 1 Mabuhay Mile, auto-converted (kailangan ng Mabuhay Miles number), plus 2,000 miles on activation.
- 4 free shared lounge visits a year via Mastercard Travel Pass (DragonPass); mag-register muna.
- Dagdag na 10,000 miles sa ₱100k PAL spend within a year, plus 5% off sa select PAL flights online.
What's bad
- ₱2,400,000 a year ang income requirement galing sa data, at wala ito sa page.
- Shared lounge lang ang 4 visits; hindi nakalista sa page ang unlimited local lounge.
- May cap na ₱526 a month ang drugstore rewards, galing sa data.
The catch: Para sa first-time cardholders lang ang welcome miles, pero ibang card ang nakapangalan sa line na iyon; mag-check ka sa bank. ₱3M ang travel insurance sa page; ₱10M naman para sa World cards ang nakalista sa Card Protect PDF, na siyang ginagamit sa data, kaya itanong sa bank ang dalawa. Nasa Fees & Charges PDF ang ₱6,000 na annual fee; hindi ito nakalista sa product page. Ang free-for-life fee promo sa data ay wala sa page.
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); unlimited local lounge; rewards caps; travel insurance of ₱10M (in the Card Protect PDF, not on the product page; the page says ₱3M). 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 ₱15,500 in rewards (₱12,500) and travel value (₱3,000), before the ₱6,000 annual fee (on request; the bank decides)
- To qualify:
- ₱2,400,000 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 ₱100,000 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
#9 of 123 cards open to new applicants, and #12 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value45 / 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 spend26 / 37
About ₱12,500 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 waivers8 / 16
A ₱6,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend5 / 10
About ₱3,000 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 path4 / 5
World 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 ₱12,500 a year in rewards and ₱3,000 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
- ₱6,000
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱2,400,000 a year
Rewards
1 Mabuhay Mile per ₱38 on non-PAL spend and per ₱30 on PAL. Utility bills earn nothing. Single or dual-currency billing.
Caps: ₱2,105 per month (groceries); ₱1,053 per month (fuel); ₱526 per month (drugstores)
- Type
- Miles
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles
Travel perks
- International lounge visits
- 4 a year
- Local lounge
- None
- Travel insurance
- Up to ₱10,000,000, covers family
Strengths
- 4 free international lounge visits a year
- Travel insurance up to ₱10M covering family
Watch out for
- Rewards on drugstores capped at ₱526 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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- 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.