Frequently Asked Questions about your Mabuhay Miles Visa What is the Mabuhay Miles Visa credit card? Your Mabuhay Miles Visa credit card is issued by HSBC in partnership with Philippine Airlines (PAL), Asia's first airline. Every P45 you charge to your Mabuhay Miles Visa Classic or Gold credit card earns you one (1) Bonus Point, equivalent to 1 Mile Every P35 you charge to your Mabuhay Miles Visa Platinum credit card earns you one (1) Bonus Point, equivalent to 1 Mile Accumulate your Bonus Points and convert them into Miles under PAL's Mabuhay Miles frequent flyer program. With as little as 3,000 Miles, you can already get a free flight! Do I need to be a member of PAL’s Mabuhay Miles frequent flyer program? Yes, you need to be a Mabuhay Miles member to be able to convert your Bonus Points into Miles. HSBC automatically enrolls you if you are not yet an existing member at the time your credit card application is approved. Your Mabuhay Miles membership number appears underneath your name on the face of your Mabuhay Miles Visa credit card. Note that membership levels are determined solely by PAL under the terms and conditions of its Mabuhay Miles frequent flyer program*. For more information on PAL's Mabuhay Miles frequent flyer program, visit their website at www.mabuhaymiles.com or call the Mabuhay Miles Service Center at (02) 817-8000, Mondays to Fridays, 8:00 am to 9:00 pm. * Computation for eligibility to Mabuhay Miles Elite and Premier Elite membership levels does not include non-flight activities/non- flight Miles. When will I receive my permanent Mabuhay Miles membership card? You will receive a permanent membership card after accumulating 1,000 Flight Miles on eligible published fares with Philippine Airlines or 3,000 non-flight Miles from Mabuhay Miles program partners. What are my benefits as a Mabuhay Miles Visa cardholder? As a Mabuhay Miles Visa cardholder, you enjoy one of the lowest spend-to-Miles conversion rates in the market. This gives you a faster way of earning Miles, which you can use to redeem free domestic and free international PAL flights. You also have the option of redeeming free one-step service upgrades from the service class reflected on purchased revenue tickets. Furthermore, you also enjoy the following credit card benefits: Free travel accident insurance (up to P1,500,000 for Classic cardholders, up to P3,000,000 for Gold cardholders and up to P20,000,000 for Platinum cardholders) when you charge your entire ticket fare to your card Acceptance in over 32 million establishments here and abroad High starting credit limits HSBC's Installment Plan facility up to 24 months to pay at 0% or low interest rates* Payment convenience at over 1,200 payment centers 24-Hour On-Call Customer Service at (02) 85-800 or through our domestic toll-free number 1-800-1-888-8555 (for PLDT users) Online access to your latest statement of account via HSBC's e-Credit Card Statement Flexible repayment terms as low as 4% of your balance Access to emergency cash through cash advance * HSBC’s Installment Plan terms and conditions apply. How do I earn Bonus Points/Miles? You earn Bonus Points/Miles by simply using your Mabuhay Miles Visa for all your purchases and installment/balance transfer transactions. Every P45 charged to your Mabuhay Miles Visa Classic or Gold, and Every P35 charged to your Mabuhay Miles Visa Platinum including all card spend of your Supplementary cardholders but excluding cash advance transactions, fees, interest and penalty charges, earns you (1) Bonus Point, equivalent to one (1) Mile. Will my Bonus Points/Miles expire? Bonus Points earned on Mabuhay Miles Visa Classic and Gold are valid up to two (2) years from the time they are earned and posted and shall, in most cases, expire on the cut-off date of the month shown as the expiry month on such Card. Bonus Points earned on Mabuhay Miles Visa Platinum are valid up to three (3) years from the time they are earned and posted and shall, as a rule, expire on the cut-off date of the month shown as the expiry month on such Card. The expiry month will also appear in the Bonus Points summary located at the upper right-hand portion of your monthly statement of account. You can accumulate your Bonus Points and convert them to Miles right before your expiry date. Once converted into Miles and transferred to your Mabuhay Miles account, Miles shall expire at the end of the calendar quarter, three (3) years after they are earned. How do I know the number of Bonus Points/Miles earned under my card? You can find out the number of Bonus Points you have earned by looking at the Bonus Points summary located at the upper right-hand portion of your monthly statement of account. For inquiries on Miles, you may call the Mabuhay Miles Service Center at (02) 817-8000 or visit their website at www.mabuhaymiles.com. You can also reach the Mabuhay Miles Service Center via email at firstname.lastname@example.org. Can I use the Bonus Points I earned on my card to redeem other things aside from Miles? No. The Mabuhay Miles Visa was created for the sole purpose of enabling you to earn Miles for the fastest way to fly for free. As such, the Bonus Points can only be used to redeem Miles from Philippine Airlines. Can I use Bonus Points from my other HSBC card to redeem Miles? No. Only Mabuhay Miles Visa cards can earn you Bonus Points that may be used to redeem Miles from Philippine Airlines. Can I transfer Bonus Points to someone else’s Mabuhay Miles account? No. You can only transfer Bonus Points to your own Mabuhay Miles account. You can however use the Miles you have accumulated in your Mabuhay Miles account to redeem a free Travel Award Ticket issued to any beneficiary of your choice. You can also transfer Miles from your Mabuhay Miles account to another Mabuhay Miles account for a fee. Visit www.mabuhaymiles.com for details. Can I buy tickets for other people and still earn Bonus Points/Miles? You earn Miles whenever you purchase tickets from PAL using your Mabuhay Miles Visa credit card issued by HSBC. Can I redeem Miles anytime? Yes. However, a minimum of 1,500 Bonus Points is required for each redemption. How do I redeem Miles? To redeem Miles, simply call (02) 85-800, (02) 976-8000 or our domestic toll-free number at 1-800-1-888- 8555 (for PLDT users). How long will it take for my Miles to be credited to my Mabuhay Miles account? Please allow ten (10) calendar days from receipt of the request for the transfer to be reflected in your Mabuhay Miles account. How do I redeem free Philippine Airlines tickets with my Miles? To redeem a free flight using your accumulated Miles, complete a travel award redemption form and available at www.mabuhaymiles.com and submit to any Philippine Airlines ticket office. You may call Philippine Airlines Reservations at (02) 855-8888 first to book your free ticket. For details, please call the Mabuhay Miles Service Center at (02) 817-8000 or visit their website at www.mabuhaymiles.com. You can also reach the Mabuhay Miles Service Center via email at email@example.com.