Annual Fee Waived for Life

The 2025 Metrobank Free for Life Annual Fee Waiver (“Promo”) shall run from October 1 to December 31, 2025 (“Promo Period”) only.

The Promo is exclusive to select Toyota Mastercard, Titanium Mastercard, Cashback Visa, Rewards Plus Visa, Travel Platinum Visa, Platinum Mastercard, Travel Signature Visa and World Mastercard cardholders (CHs) who received the promotion EDM/SMS/Viber message from Metrobank. The Promotion is not applicable to Corporate Mastercard, ON Mastercard, Dollar Mastercard, Dealer Financing, YAZZ Prepaid Visa, Metrobank Debit and Prepaid cards.

The pre-selected customers will receive an EDM/SMS/Viber with a reference number from Metrobank. Metrobank will not accommodate the request of the cardholder to include his or her account in the list of pre-selected customers for the Promo.

Cardholders must activate and use their card for any retail, online or installment transaction within ninety (90) days from promo launch.

The principal cardholder’s annual fee will be waived if the cardholder reaches the required minimum accumulated valid spend below with ninety (90) days from promo launch.

If the principal cardholder does not meet the required spend, he/she will be charged an annual fee. The corresponding annual fee will be reflected on the Cardholder’s statement of account after the anniversary date.

Annual fees which were charged before the Promo Period shall not be reversed even if the cardholder met the spend requirement during the Promo Period. The free-for-life annual fee waiver will only apply after the Promo Period.

Valid spend in the accumulated spend computation shall only include the following posted transactions below:

a. Straight retail transactions

b. Online transactions

c. Bills2Pay or Paybills via MBOA

d. Retail Installments & Special Installments such as Balance Transfer & Cash2Go.

e. Valid transactions made by supplementary cardholders will be included in the computation of principal cardholder’s annual spend

The following transactions and fees will not be considered as valid spend:

a. Add-on interest

b. Fees and charges

c. Cash Advance

d. Balance Conversion installments

e. PayNow

f. The transactions with credit adjustments resulting from merchant-initiated credit adjustments and transaction disputes

g. Other transactions such as online fund transfers charged to the credit card, transactions with merchant category codes of 6540 (stored value card purchases such as but not limited to Lazada Top Up, Maya Cash In, ShopeePay Cash In, GrabPay Cash In), 6010 (cash advances), 6011 (ATM transactions) and 6012 (other financial institution merchandise excluding Bills2Pay, Paybills, Balance Transfer and Cash2Go) found in Metrobank’s database

Only the principal cardholder can qualify for the Promo. The annual fee of supplementary cardholders will not be waived under this Promo even if the principal cardholder meets the spend requirement.

The Annual Fee Waiver is non-transferable, and cannot be converted or exchanged for cash, credit, benefit, advantage, or any property.

The computation of the accumulated spend and awarding of the free-for-life annual fee waiver to cardholders by Metrobank is considered final.

In the event that the cardholder requests for an upgrade, conversion, or any change to the qualified credit card at any time, the Annual Fee Waiver under this Promo will no longer apply. The Annual Fee Waiver is non-transferable and will not be carried over to the newly upgraded, converted, or changed credit card.

Metrobank reserves the right to disqualify any cardholder from further participation in this Promo if the cardholder has past due accounts with Metrobank, defaults in his/her payment or, if in Metrobank’s judgment, the said cardholder has violated these Terms & Conditions and/or the Metrobank Credit Card Terms and Conditions.

Metrobank reserves the right to disqualify a previously approved transaction that was cancelled or charged back within the Promo Period. Should a cardholder receive the Annual Fee Waiver, but was later on deemed unqualified for not meeting the requirements of the incentive due to disputes arising from, but not limited to, erroneous, invalid, fraudulent or unauthorized transactions, the cost of the annual fee shall be charged by Metrobank to the cardholder’s credit card account upon the anniversary date of the card.

Employees of Metrobank are disqualified to join this Promo.

All questions or disputes regarding the cardholder’s eligibility for the Promo or for any redemption shall be resolved by Metrobank, at its discretion, with the concurrence of the DTI.

Any dispute concerning the products or services availed to meet the spend requirement shall be settled directly between the cardholder and the appropriate merchant with the concurrence of the DTI.

The use of the Metrobank credit card in connection with the Promo is subject to the Metrobank Credit Card Terms and Conditions.

By joining or availing of this Promo, the Cardholder confirms that he/she has read, understood and agreed to the promo mechanics and these Terms and Conditions.

For inquiries and other concerns, contact the Metrobank Customer Service Hotline at (02) 88-700-700 or send an e-mail to customerservice@metrobankcard.com