Metrobank Credit Card Rates and Fees

Types of Fees	Metrobank Titanium Mastercard	Metrobank Rewards Plus Visa	Metrobank Toyota Mastercard	Metrobank Cashback Visa	Metrobank Platinum Mastercard	Metrobank Travel Platinum Visa	Metrobank Femme Signature Visa	Metrobank World Mastercard	PSBank Credit Mastercard	Mfree
											Annual Fee - Primary	2,500 (waived on 1st Year)	2,500 (waived on 1st Year)	2,500 (waived on 1st Year)	3,500 (waived on 1st Year)	5,000 (waived on 1st Year)	5,000 (waived on 1st Year)	5,000 (waived on 1st Year)	6,000 (waived on 1st Year)	Perpetually Waived	Perpetually Waived
Annual Fee - Supplementary	1,500 (waived on 1st Year)	1,500 (waived on 1st Year)	1,250 (waived on 1st Year)	1,750 (waived on 1st Year)	2,500 (FREE for life on the 1st Supplementary)	2,500 (FREE for life on the 1st Supplementary)	2,500 (FREE for life on the 1st Supplementary)	3,000 (FREE for life on the first two Supplementary)	Perpetually Waived	Perpetually Waived
Statement and Certification Fees	PHP 100 per request for reprinting and delivery of monthly statement	PHP 100 per request for reprinting and delivery of monthly statement	PHP 100 per request for reprinting and delivery of monthly statement	PHP 100 per request for reprinting and delivery of monthly statement	Free of Charge	Free of Charge	Free of Charge	Free of Charge	PHP 100 per request for reprinting and delivery of monthly statement	PHP 100 per request for reprinting and delivery of monthly statement
Bank Certificate Fee	PHP 100 per copy and delivery of bank certificate	PHP 100 per copy and delivery of bank certificate	PHP 100 per copy and delivery of bank certificate	PHP 100 per copy and delivery of bank certificate	Free of Charge	Free of Charge	Free of Charge	Free of Charge	PHP 100 per copy and delivery of bank certificate	PHP 100 per copy and delivery of bank certificate
Retail Monthly Interest Rate / Finance Charge	3% Monthly Interest Rate or 36% Annually
Cash Advance Monthly Interest Rate	3% Monthly Interest Rate to be computed from the date when cash advance was availed
Card Replacement Fee	PHP 400 for every card replacement
Minimum Amount Due	PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher
Late Charge	PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower
Overlimit Fee	PHP 750 per occurrence
Cash Advance Fee	PHP 200 per transaction regardless of the cash advance amount
Installment Pre-termination Fee	5% of the remaining principal balance or PHP 550 whichever is higher
Account Maintenance Fee	PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out.
Gaming Services Transaction Fee	5% of the amount transacted
Refund Fee	1% of the refund amount or PHP 100, whichever is higher, for every refund request
Installment Processing Fee	For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash.
Returned Check Fee	PHP 1,500 for every returned check
Returned Document Fee	PHP 300
Cross Border Service Fee	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%
Forex Processing Fee	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	0.85%	2.5%	2.5%
Paynow Transaction fee	PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger.

*not applicable to PSBank Credit Mastercard

Update as of October 01, 2024