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Metrobank Rewards Terms & Conditions

GENERAL POLICIES

  1. The Rewards Program (“Program”) of Metropolitan Bank & Trust Company (Metrobank) is open to all Metrobank Vantage, Rewards Plus Visa, Titanium Mastercard, Toyota Mastercard, Femme Visa, Femme Signature Visa, NCCC Mastercard (eligible for Annual Fee waiver only), Platinum Mastercard, World Mastercard, Travel Platinum Visa, and Travel Signature Visa cardholders.

  2. Rewards Points earned from the Program can be exchanged for rewards items specified in the relevant Rewards Catalogue, applied as payment for annual fees, converted to air miles or cash credits/rebates, or donated to charity (“Participating Programs”).

  3. By redeeming rewards under this Program, the Cardholder consents to the disclosure by Metrobank of the cardholder’s information to third party service providers as needed to carry out the redemption request.

  4. Metrobank reserves the right to amend the rules on accumulation and redemption of Rewards Points. Changes will be announced through any of the following channels: Statement of Account, email, SMS blast, website posting, or through other modes determined sufficient by Metrobank.

  5. Metrobank shall be entitled to engage an agent or service provider to carry out any, all, or part of the Program on its behalf. To this end, the Cardholder consents and hereby authorizes Metrobank to supply any such agent or service provider with such information as may be necessary or required for them to perform their duties.

ELIGIBILITY

  1. All Principal Credit Cardholders (“Cardholder/s”) of good credit standing (i.e., current, not suspended or cancelled and not over limit) are eligible to participate in the Program.

  2. Rewards Points accumulated by both Principal and Supplementary cardholders shall be credited to the Principal’s account.

  3. Metrobank reserves the right to disqualify any Cardholder from further participation in this the Program and forfeit all Rewards Points earned by the Cardholder if the credit card account is not in good credit standing (e.g., past due, suspended, canceled, or over the credit limit), with notice to the cardholder. Additionally, Metrobank may disqualify a Cardholder if, in its judgment, the Cardholder has violated these Terms and Conditions. The Program is governed by these Terms and Conditions as well as the Metrobank Credit Card Terms and Conditions.

ACCUMULATION OF REWARDS POINTS

  1. The Cardholder shall earn 1 Rewards Point for every P20.00 charged on his/her credit card account for each purchase of goods or services. Rewards Points are computed on a per transaction basis, not on the total amount of purchases.

  2. Converted Rewards Points shall be rounded down to the nearest whole number.

    Sample computation:

    Transaction amount - P5,000 / P20 (1 pt ) = 250 points Transaction amount - P5,750 / P20 (1 pt ) = 287 points Transaction amount - P25 / P20 (1 pt ) = 1 point

  3. All purchase transactions are eligible in the accumulation of Rewards Points including the monthly amortization of retail and installment purchases, and Bills2Pay* Auto-Charge Program.

    *Earn P20 = 1 rewards point for a maximum transaction of PHP 20,000 per utility, per Bills2Pay transaction.

  4. Charges not eligible to earn Rewards Points include, but are not limited to: cash advances, Cash2Go, Balance Transfer, Conversion to Installment, PayBills, PayNow facility using Metrobank Online or the Metrobank App, casino, betting or gambling transactions, cryptocurrency, remittance, cash transfer, e-wallet top up, all types of fees and penalties such as annual fees, interest and finance charges, late payment charges and all other fees and charges similar to the foregoing, as determined by Metrobank.

  5. Metrobank’s decision as to what transactions are included for the purpose of earning Rewards Points shall be final and conclusive.

  6. Cardholder’s right to use the Rewards Points is non-transferable. Accumulated Rewards Points are not convertible to cash. Redeemed Rewards Points cannot be converted back to Rewards Points.

  7. The foregoing terms and conditions shall not preclude the right of Metrobank to correct at any time, with notice, any computation, posting or award of Rewards Points which it has determined to be erroneous.

  8. Rewards Points earned by the Cardholder shall be reflected in the monthly Statement of Account. Cardholder shall examine the Statement of Account and notify Metrobank for any error, discrepancy, or question no later than thirty (30) calendar days from Statement date. If the Cardholder does not dispute the number of Rewards Points earned for that particular billing cycle within the specified period, the Rewards Points earned as reflected on the statement shall be deemed correct, final and binding upon the Cardholder unless Metrobank needs to augment, reverse or deduct the Rewards Points earned due to erroneous crediting or any necessary adjustments.

  9. In case of erroneous processing of rewards points redemption where the e-Vouchers or Air Miles processed is not equivalent to the amount of rewards points earned and redeemed, Metrobank reserves the right to rectify such error by the following action:

    i. Shortage (e.g., incomplete e-Vouchers or Air Miles) – Metrobank will process the short fall to complete the rewards redemption; or
    ii. Overage (e.g., duplicate e-Voucher or Air Miles) – Metrobank will recover the excess e-Voucher or Air Miles by deducting the same from the existing rewards points of the credit card account. If the existing rewards points is insufficient, cost of the rewards will be charged to the credit card account using the prevailing cost of the e-Voucher or Air Miles.

DURATION AND LOSS OF REWARDS POINTS

  1. Transfer of Rewards Points is not allowed, regardless of card and account status.

  2. Fraud and abuse relating to the earning of Rewards Points in the Rewards Program or the redemption of rewards, including the transfer of Rewards Points to Participating Programs, may result in the forfeiture of earned Rewards Points.

  3. All questions or disputes regarding eligibility of Rewards Points for redemption of rewards will be resolved by Metrobank at its sole discretion.

  4. Cardholders who wish to convert their rewards-earning card to non-rewards-earning card will be advised to redeem their rewards points, if any, before the conversion. If, upon conversion, the cardholder fails to redeem the rewards points, the same will be forfeited and will no longer be redeemable.

  5. Should any violation of these Terms and Conditions occur after a redemption request has been made, Metrobank reserves the right to defer and/or stop the processing of the redemption request.

  6. Subject to these Terms and Conditions, if a Cardholder's card is involuntarily cancelled, the unused Rewards Points will be forfeited at the same time.

REWARDS REDEMPTION

  1. Rewards item once redeemed by the Cardholder are not exchangeable, refundable or redeemable for cash or credit under any circumstances, and are subject to the terms and conditions as may be prescribed by the issuer of the same.

REDEMPTION PROCEDURE

  1. A Cardholder may redeem through the following channels:

    • Chat with MIA (Metrobank Interactive Assistant) at m.me/MiaOfMetrobankCard
    • Call Customer Service at (02) 88-700-700

  2. Processing of redemption varies depending on the rewards item redeemed by the Cardholder:

    Rewards Item Number of Days
    Annual Fee Waiver 3 – 5 banking days and will reflect on the next statement date
    Cash Credit 3 – 5 banking days and will reflect on the next statement date
    Donation 3 – 5 banking days upon request
    eVoucher 1 banking day upon request
    Cathay Pacific Asia Miles 7 banking days upon request
    Philippine Airlines Mabuhay Miles 1 banking day upon request
    Singapore Airlines KrisFlyer Miles 7 banking days upon request

  3. Any dispute concerning non-delivery of Rewards items should be escalated to Metrobank via the Customer Service hotline or in writing, within 60 banking days from redemption date. Should there be no complaint or follow-up received, it is assumed that the Rewards eVoucher/s has been successfully received.

  4. Any complaints on redemption should be escalated to Metrobank within 3 banking days from date of acceptance. Otherwise, it is understood that vouchers have been duly accepted without disputes.

  5. Once the request for redemption is accepted by Metrobank, the same cannot be revoked or cancelled by the Cardholder.

REWARDS E-VOUCHER REDEMPTION

  1. Metrobank, through its third-party service provider, will send a notification SMS to the qualified Cardholder’s mobile number registered on Metrobank’s records.
  • To access your eGift, type giftaway.ph/open/mcc in your browser and enter the 10-character redemption key provided in the SMS you received.

  1. The Rewards eVoucher can be used at any of the branches indicated in the Merchant Branch Directory.

  2. Rewards eVouchers have no expiry dates and are fully transferable.

  3. Each Rewards eVoucher has a unique code that corresponds to an amount or item. To use the Rewards eVoucher at the store, or equivalent (ex. online store), the code must be given to the store for validation.

  4. The Rewards eVoucher is for one-time use only. If the total value of the Rewards eVoucher is not used up, there will be no cash change given. If the purchase goes beyond the Rewards eVoucher amount, the cardholder shall pay for the difference.

  5. Multiple Rewards eVouchers may be used per transaction.

  6. The Cardholder is responsible for the safekeeping of the Rewards eVoucher. The cardholder must only give this to the store manager, or its equivalent (ex. online checkout) upon using it at the store.

  7. In the event that the store’s Rewards eVoucher validation system is offline or unavailable, the store will not be able to accept the eVoucher. The Cardholder may still use the Rewards eVoucher when the system is back online.

  8. The Rewards eVoucher may not be valid for use on certain promotional items/services and it cannot be exchanged for cash.

  9. Any dispute concerning goods or services received from merchants in exchange for gift certificates redeemed under the Program shall be settled between the Cardholder and the merchant and/or supplier that supplied the goods or services. Metrobank will bear no responsibility in resolving such disputes.

AIR MILES REDEMPTION

  1. Cardholders must be enrolled in the relevant Air Miles program in order to convert Rewards Points to Air Miles.

  2. Cardholder must provide the following upon redemption:

    Air Miles membership number

    Cardholder name as registered in Airline Miles membership in the following format: Last Name, First Name Suffix, Middle Name

    Example:

    Santos, Allen Jr, Berlin

    *no special character/s allowed; make sure the name registered in the airline membership matches the name entered.

  3. Air Miles shall be credited to the Cardholder’s air miles account within 3 – 5 banking days from redemption.

  4. Capping for Air Miles redemption:

    PHILIPPINE AIRLINES
    MABUHAY MILES    		 SINGAPORE AIRLINES
    KRIS FLYER    		 CATHAY PACIFIC
    ASIA MILES
    Card Type Minimum Redemption Maximum Annual Redemption Minimum Redemption Maximum Annual Redemption Minimum Redemption Maximum Annual Redemption
    Metrobank Vantage
    Toyota Mastercard
    Femme Visa    		 21,000 105,000 21,000 105,000 21,000 105,000
    Rewards Plus Visa
    Titanium Mastercard    		 20,000 100,000 20,000 100,000 20,000 100,000
    Femme Signature Visa /
    Mastercard Platinum    		 10,000 30,000 10,000 30,000 10,000 30,000
    World Mastercard /
    Travel Platinum Visa    		 10,000 None 10,000 None 10,000 None
    Travel Signature Visa 12,000 None 12,000 None 12,000 None

  5. To check if the redeemed Miles have been successfully credited, Cardholders may log into their Airline Miles Membership account.

  6. For any concerns or clarifications on your miles, please visit the Airline Miles Membership platform.

ANNUAL FEE WAIVER REDEMPTION

  1. Upon redemption request, Cardholders must provide the following:

    Cardholder number
    Item code

  2. Redemption of Annual fee waiver will only be allowed after it has been charged to the Cardholder’s account.

  3. Redemption will be processed within 3 to 5 banking days from receipt of a valid request.

  4. Once the request for redemption is accepted, the same cannot be revoked or cancelled by the Cardholder.

  5. Redemption of annual fee waiver will be reflected on the Cardholder’s next statement date.

CASH CREDIT / REBATE REDEMPTION

  1. Cardholders can convert their Metrobank Rewards Points to cash credits / rebate with this conversion rate:

    Rewards Category Credit Card Type Amount Required Min
    Redemption    		 Max Points for
    Redemption
    (Annually)
    Cash Credits Metrobank Vantage, Toyota Mastercard,
    Femme Visa,
    Rewards Plus Visa, Titanium Mastercard    		 PHP 500.00 17,500 175,000
    Cash Rebates MC Platinum,
    Femme Signature Visa,
    Travel Platinum Visa    		 PHP 500.00 10,100 101,000
    Cash Rebates World Mastercard,
    Travel Signature Visa    		 PHP 2,000.00 20,000 60,000

  2. Cash credits/rebates will be reflected on the Cardholder’s next statement date.

  3. Once the request for redemption is accepted, the same cannot be revoked or cancelled by the Cardholder.

MISCELLANEOUS PROVISIONS

  1. Items photographed in the Rewards Catalogue may differ slightly in color, perceived size or texture from the actual items to be delivered to the Cardholder.

  2. All questions or disputes regarding eligibility for the Rewards Program or redemption of rewards will be resolved by Metrobank at its sole discretion.

  3. The terms and conditions may be modified by Metrobank in its sole discretion from time to time with notice to the Cardholder. Similarly, the redemption process may be modified by Metrobank in its sole discretion, with appropriate communication through any mode deemed sufficient by Metrobank.

  4. The Cardholder agrees to hold Metrobank or any of its officers or representatives free and harmless from any liability or action arising from or in connection with the availment or processing of any reward for which the Cardholder is entitled to receive.

  5. By participating in the Rewards Program, the Principal Cardholder agrees to be bound by these Terms and Conditions.

  6. For any questions or clarifications, please contact Metrobank at 88700-700 or email customerservice@metrobankcard.com.

  7. Metrobank is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph).

List of Rewards Gifts:

eVouchers

MERCHANT REWARDS CODE DENOMINATION Platinum Mastercard, World Mastercard, Femme Signature Visa, Travel Platinum Visa, Travel Signature Visa Vantage Mastercard, Toyota Mastercard, Titanium Mastercard, Vantage Visa, Femme Visa, Rewards Plus Visa
Abenson MBGA-8006 1000 23,340 30,000
BCN Wine Gastro Bar MBGA-8536 1000 23,340 30,000
Bershka MBQ-019 1000 23,340 30,000
Beyond the Box MBQ-018 1000 23,340 30,000
Bioessence MBGA-5536 1000 23,340 30,000
Bizu Patisserie MBGA-027 1000 23,340 30,000
Buffalo Wild Wings MBGA-5674 1000 23,340 30,000
Bulgogi Brothers MBGA-2330 1000 23,340 30,000
CameraHaus MBGA-7343 1000 23,340 30,000
Canton Road MBGA-9675 1000 23,340 30,000
Denny’s MBGA-6920 1000 23,340 30,000
Digital Walker MBGA-7506 1000 23,340 30,000
Discovery Primea MBGA-9763 1000 23,340 30,000
Discovery Suites MBGA-9771 1000 23,340 30,000
Farmacy Ice Cream MBGA-7417 1000 23,340 30,000
Fish & Co. MBGA-3374 1000 23,340 30,000
Foodee Global Concepts MBGA-7130 1000 23,340 30,000
Ganso Shabuway MBGA-2341 1000 23,340 30,000
Gcash MBGA-8624 1000 23,340 30,000
Gourdo's MBQ-0002 1000 23,340 30,000
GrabCar MBGA-8639 1000 23,340 30,000
GrabFood MBGA-13346 1000 23,340 30,000
GrabMart MBGA-11440 1000 23,340 30,000
H&M MBGA8758x2 1000 23,340 30,000
HiPrecision Diagnostics MBGA-7462 1000 23,340 30,000
Ippudo MBGA-7235 1000 23,340 30,000
Italianni's MBGA-2333 1000 23,340 30,000
Jollibee MBGA-8497 1000 23,340 30,000
Kumori Japanese Bakery MBGA-7411 1000 23,340 30,000
Landers MBQ-017 1000 23,340 30,000
Landmark MBGA-4465 1000 26,000 33,000
Las Flores MBGA-8528 1000 23,340 30,000
Lazada MBGA-10723 1000 26,000 33,000
Massimo Duti MBQ-020 1000 23,340 30,000
Max's MBGA-21 1000 23,340 30,000
MemoXpress MBGA-7246 1000 23,340 30,000
Mercury Drug MBGA-9261 1000 23,340 30,000
Modern Shanghai MBGA-3377 1000 23,340 30,000
Morelli's Gelato MBGA-6873 1000 23,340 30,000
MyHealth Clinic MBGA-7112 1000 23,340 30,000
Nike Park MBGA-7453 1000 23,340 30,000
Pacsafe MBQ-013 1000 23,340 30,000
Pancake House MBGA-5528 1000 23,340 30,000
PayMaya MBGA-6978 1000 23,340 30,000
Perfect Shot MBGA-7253 1000 23,340 30,000
Pet Express MBQ-003 1000 23,340 30,000
Pick.A.Roo MGA11086x2 1000 23,340 30,000
Plains & Prints MBGA-6969 1000 23,340 30,000
Planet Sports MBGA-164 1000 23,340 30,000
Pound by Todd English MBGA-7137 1000 23,340 30,000
Power Mac MBQ-18005 1000 23,340 30,000
Pull & Bear MBQ-021 1000 23,340 30,000
Raging Bull Chophouse MBGA-9680 1000 23,340 30,000
Rambla MBGA-8516 1000 23,340 30,000
Ramen Nagi MBGA-7228 1000 23,340 30,000
Raw Bites MBGA-7931 1000 23,340 30,000
Royce Gift Certificate MBGA-3 1000 23,340 30,000
Runnr MBQ-016 1000 23,340 30,000
Rustan's MBQ-001 1000 26,000 33,000
S&R MBQ-002 1000 23,340 30,000
Samba MBGA-9691 1000 23,340 30,000
Shangri-La The Fort MBGA-9659 1000 23,340 30,000
Silicon Valley MBGA-7295 1000 23,340 30,000
SM Gift Pass MBGA-7022 1000 26,000 33,000
SSI MBQ-004 1000 23,340 30,000
Stradivarius MBQ-022 1000 23,340 30,000
Switch MBGA-4431 1000 23,340 30,000
Tapenade at Discovery MBGA-9778 1000 23,340 30,000
Tempur MBGA-5647 1000 23,340 30,000
TGI Fridays MBGA-2327 1000 23,340 30,000
The CBTL MBGA-1321 1000 23,340 30,000
The Grid Food Market MBGA-11188 1000 23,340 30,000
The Moment Group MBGA-8004 1000 23,340 30,000
Tim Ho Wan MBGA-7141 1000 23,340 30,000
Timex Shop MBGA-5670 1000 23,340 30,000
Toby's MBQ-21005 1000 23,340 30,000
Tomatito MBGA-8532 1000 23,340 30,000
Toy Kingdom MBQ-014 1000 23,340 30,000
Urban Athletics MBQ-015 1000 23,340 30,000
Watami MBGA-2339 1000 23,340 30,000
Watch Republic MBGA-5523 1000 23,340 30,000
Wee Nam Kee MBGA-7404 1000 23,340 30,000
Western Marketing MBQ-008 1000 23,340 30,000
Wildflour Restaurant MBGA-73 1000 23,340 30,000
Yabu MBGA-93 1000 23,340 30,000
Yellow Cab MBGA-6851 1000 23,340 30,000
Zara MBQ-023 1000 23,340 30,000

Cash Credit

Credit Card Type Cash Credit / Rebate Amount Points Required Rewards Code
Femme Visa
Rewards Plus Visa
Vantage Visa
Titanium Mastercard
Toyota Mastercard
Vantage Mastercard 		PHP 500 Minimum of 17,500
Maximum of 175,000 annually		 CASHCR-500
Femme Signature Visa
Travel Platinum Visa
Platinum Mastercard 		PHP 500 Minimum of 10,100
Maximum of 101,000 annually		 CASHCR-500
World Mastercard
Travel Signature Visa		 PHP 2,000 Minimum of 20,000
Maximum of 60,000 annually		 CASHREB 2K

Annual Fee Waivers

Credit Card Type Item Description New New
Vantage Mastercard,
Vantage Visa,
NCCC Mastercard 		Primary 100% waived 100%AFPCOR 20,000
Supplementary 100% waived 100%AFSCOR 10,800
Primary 50% waived 50%AFWPCOR 10,000
Supplementary 50% waived 50%AFSCOR 5,400
Titanium Mastercard,
Rewards Plus Visa		 Primary 100% waived 100%AFWPGO 30,000
Supplementary 100% waived 100%AFWSGO 18,000
Primary 50% waived 50%AFWPGO 15,000
Supplementary 50% waived 50%AFWSGO 9,000
Toyota Mastercard Primary 100% waived 100%AFPTOY 30,000
Supplementary 100% waived 100%AFSTOY 18,000
Primary 50% waived 50%AFWPTOY 15,000
Supplementary 50% waived 50%AFWSTOY 9,000
Femme Visa Primary 100% waived 100%AFPFEM 25,000
Supplementary 100% waived 100%AFSFEM 12,500
Primary 50% waived 50%AFWPFEM 12,500
Supplementary 50% waived 50%AFWSFEM 6,300
World Mastercard Primary 100% waived 100%AFWPMW 63,200
Supplementary 100% waived 100%AFWSMW 31,600
Primary 50% waived 50%AFWPMW 31,600
Supplementary 50% waived 50%AFWSMW 15,800
Platinum Mastercard Primary 100% waived 100%AFWPMP 52,700
Supplementary 100% waived 100%AFWSMP 26,400
Primary 50% waived 50%AFWPMP 26,400
Supplementary 50% waived 50%AFWSMP 13,200
Femme Signature Visa Primary 100% waived 100%AFWPFS 52,700
Supplementary 100% waived 100%AFWSFS 26,400
Primary 50% waived 50%AFWPFS 26,400
Supplementary 50% waived 50%AFWSFS 13,200
Travel Platinum Visa Primary 100% waived 100%TPVP 52,700
Supplementary 100% waived 50%TPVP 26,400
Primary 50% waived 100%TPVS 26,400
Supplementary 50% waived 50%TPVS 13,200
Travel Signature Visa Primary 100% waived 100%AFPTSV 58,000
Supplementary 100% waived 100%AFSTSV 29,000
Primary 50% waived 50%AFWPTSV 29,000
Supplementary 50% waived 50%AFWSTSV 14,500

Air Miles

Credit Card Type Points to 1 mile PHILIPPINE AIRLINES
MABUHAY MILES		 SINGAPORE AIRLINES
KRIS FLYER		 CATHAY PACIFIC
ASIA MILES		 Required minimum
redemption		 Maximum redemption
in a year
Rewards Code Rewards Code Rewards Code
Femme Visa, Vantage Mastercard,
Vantage Visa, Toyota Mastercard		 30 PALCORE201 KFCORE201 AMCORE201 21,000 105,000
Rewards Plus Visa
Titanium Masterard		 25 PALCORE202 KFCORE202 AMCORE202 20,000 100,000
Femme Signature Visa
Mastercard Platinum		 5 PALPREM51 KFPREM51 AMPREM51 10,000 30,000
Travel Platinum Visa
World Mastercard		 2.5 PALPREM251 KFPREM251 AMPREM251 10,000 None
Travel Signature Visa 1.5 PALPREM351 KFPREM351 AMPREM351 12,000 None

  • Femme Visa, Vantage Mastercard, Vantage Visa and Toyota Mastercard air miles redemption must be in increments of 21,000
  • Rewards Plus Visa and Titanium Masterard air miles redemption must be in increments of 20,000
  • Femme Signature Visa, Travel Platinum Visa, Platinum Mastercard and World Mastercard air miles redemption must be in increments of 10,000
  • Travel Signature Visa air miles redemption must be in increments of 12,000

Donation

REWARDS CODE REWARDS NAME MINIMUM POINTS MAXIMUM POINTS
UNICEF UNICEF - PHP500.00 8,000 NONE
ICANSERVE ICAN SERVE FOUNDATION - PHP500 8,000 NONE

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