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. The foregoing terms and conditions shall be read together with the Metrobank Credit Card Terms and Conditions published in the Metrobank website.

3. 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”).

4. 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.

5. 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.

6. 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. If a transaction is canceled for any reason, any points earned from that transaction will also be reversed. The reversal of rewards points will be reflected in the statement cycle when the cancellation is posted, which may not align with the statement cycle of the original purchase. In the event of a delay in the reversal, Metrobank reserves the right to deduct the points with notice to the cardholder.

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

7. 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.

8. 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.

9. 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.

10. 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:

   • Metrobank App
   • 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. 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

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

5. 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