• PNB UERM College of Medicine Alumni Association (UERM CMAA)

    PNB UERM College of Medicine Alumni Association (UERM CMAA)
    Credit Card
    Annual Fee
    Reward type
    PNB UERM College of Medicine Alumni Association (UERM CMAA)
    Annual Fee:

    Free for 1st 5 years
    Reward type:
    Insurance and Shopping

    Overview of PNB - UERM - CMAA Platinum Mastercard

    A tailor made credit card for the members of the UERM College of Medicine Alumni Association (UERM-CMAA) that offers you a host of exclusive benefits coupled with a slew of features. This co-branded card from PNB helps you save money on various charges such as payment of membership and other fee to the association. The exclusive benefits are detailed below.

    • The Annual Membership Fee (AMF) is waived for the first 5 years.
    • A discount of 10% is offered on the lifetime membership fee to the Alumni Association.
    • 10% off on registration fee charged for Annual Alumni Homecoming.
    • Registration for UERM-CMAA Continuing Medical Education (CME) activities is free.
    • Annual dues for the Alumni Association is waived for one year.

    Features & Benefits (General)

    Card Protect Insurance - Wide Coverage

    The PNB - UERM - CMAA Platinum Mastercard ensures all round protection as it offers a slew of insurance covers to help you transact worry free. Travel Insurance offers cover of up to P3 million to shield you against challenging situations during travel such as loss of baggage, flight delay and other associated risks.

    On the other hand, Fraud Protection Insurance provides protection against unauthorized charges at just P120 annually. This cover comes highly recommended in the wake increased fraudsters, both online and offline.

    The Purchase Protection cover offers monetary compensation against accidental damage and theft of products purchased using this card for up to 90 days from the date of purchase.

    Flexibility of Dual Billing

    Purchases made within Philippines are billed in Pesos while charges made outside the country are billed in US Dollars to help you with payment of credit card bills. At the time of bill generation, you get the flexibility to pay in either of the currencies on the basis of the prevailing exchange rate.

    Balance Transfer

    You can transfer outstanding balances from other credit cards and save money by way of pleasing interest charges and installment payments. As a part of its standard offering across all cards, PNB lets you access the convenience of consolidating balances and save money.

    Cash Withdrawal

    Cardmembers can make cash withdrawals at any of the 820,000 plus mastercard ATMs around the world. Never run of cash during those emergency situations like month end as you can get up to 30% of credit as cash limit. One can also access non-Mastercard ATMs to make cash advances too.

    My Rewards Program

    For every P50 spent on this card, 1 reward point is credited into the rewards account. These never expiring points can be converted into Mahubay Miles where 1 point is equal to 1 Mabuhay Mile. To be eligible for redemption, a minimum of 2000 points is required.

    The points earned can also be converted into cash credit anytime. The value of 4 points is equal to P1.00 cash credit. The redemption can be be made in denomination of 500 points.

    Affordable Payment Plans

    All those big ticket purchases are now affordable, owing to the installment payment option from PNB. Buy your favorite articles and payback in equated installments of your choice. Choose from 3, 6, 9 ,12, 18 up to 24 month installment plan. Save money while you pay in affordable installments.

    PNB Mastercard inControl

    A one-of-its-kind feature that allows you to control and manage credit spending online with interactive tools. You can designate limits, choose where and when you want to use the card along with a slew of other personalization options.

    Round the Clock Customer Service

    PNB offers world class customer service at home and abroad. Cardmembers can call 818-9-818 for Metro Manila or call toll free at 1-800-10-818-9-818 to speak to the representatives for query/issues. In addition, you can also look forward to customer service via email with regard to key changes to your account.

    Mastercard Moments Deals Program

    Get access to the best of promo deals with Mastercard moments, a monthly newsletter that aims to educate you about the latest deals, bargains, discounts available in the country. This offer is made available exclusively to PNB credit cardmembers.

    Interest Rate & Fees

    • The AMF (Annual Membership Fee) remains waived for the principal card for the first 5 years and supplementary cards come free for life.
    • The interest charges for retail transactions is billed at the rate of 3.25% (revolver rate) per month.

    The table below provides details of various fees & charges.

    Fee Description Amount
    Cash Advance Transaction Fee P100 for each withdrawal
    Cash Advance Service Fee 5% of the amount withdrawn
    Card Replacement Fee P400 for each card replaced (Lost, stolen and damaged)
    Late Payment Fee P300 for each instance
    Returned Check Fee P1,000 for each returned check
    Statement (SOA) Request P50 per statement


    • The applicant should be a Filipino citizen and a resident of Philippines.
    • The age of the principal applicant should be between 21-65 years.
    • Salaried applicants should be employed for at least an year.
    • Self employed should be running a profitable venture for at least 2 years.
    • The gross annual income of the applicant should be at least P120,000.


    A valid photo bearing ID issued by government agency such as Driver's License, SSS ID etc. or company ID issued by the employer. In addition to this, the table below provides details of documentation as per source of income.

    Salaried Certificate of Employment (COE)/Latest ITR (Income Tax Return)/Last 3 months payslips.
    Self Employed Latest Audited Financial Statements/Latest ITR (Income Tax Return)/ Registration Certificate issued by DTI or SEC.

    Frequently Asked Questions

    1. Where do I get a copy of the Balance Transfer Request Form from?

      There are two ways to get this form. You can either download the form from the official website of PNB in the Philippines under the credit cards section or obtain it from any of the PNB banking branches.

    2. I would like to apply for a refund of an excess payment made to my credit card account. Please let me know the process.

      You can call the customer service department to request for a refund of the excess payment made. A refund fee of P300 is charged for refunds made to a PNB/allied bank account or P500 for credit to all other CASA accounts.

    3. How much is the minimum income requirement to be eligible to apply for a PNB - UERM - CMAA Platinum Mastercard?

      To qualify, the gross annual income of the applicant should be at least P120,000. Both salaried and self employed are eligible to apply for this card.

    4. How do I get the application form to apply for this card?

      The PNB credit card application form can be downloaded from the website of the bank. It can also be obtained from the nearest branch as well.

    5. Please list the process for redeeming accumulated rewards points?

      To begin with, you will need the PNB Credit Card Rewards Redemption form, available on the PNB website for download. Fill the appropriate columns in the form and send it to PNB. It can be scanned and sent via email, faxed or posted to the designated office. The contact details are printed on the form.

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