Simplify your finances at 0.55% add-on-rate

Promo Offer: Transfer other card balances to your Metrobank credit card at low add on rate of 0.55% payable for 12 to 36 months

Promo Period: January 1, 2026 to December 31, 2026 only

Promo Mechanics:

1. This promo is open for all new and existing principal cardholders in good credit standing with any of the following eligible Metrobank credit cards for Balance Transfer: (a) Metrobank Peso Platinum Mastercard, (b) Metrobank World Mastercard, (c) Metrobank Travel Platinum Visa, (d) Metrobank Femme Signature Visa, (e) Metrobank Titanium Mastercard, (f) Metrobank Toyota Mastercard, (g) Metrobank M Free Mastercard, (h) Metrobank Rewards Plus Visa, (i) Metrobank Cashback Visa, (j) Metrobank Vantage Mastercard, (k) Metrobank Vantage Visa, (l) Metrobank Femme Visa, (m) Metrobank NCCC Mastercard, (n) Metrobank M Lite Mastercard, and (o) PSBank Credit Mastercard.

2. The promo and availment period is from January 1, 2026 to December 31, 2026 only.

3. The promo offer allows you to transfer your non-Metrobank credit card(s) outstanding balances to your Metrobank credit card at the following rates and tenor:

   Monthly Add-on Rate	Tenor (months)
   1%	6
   1%	9
   0.55%	12
   0.55%	18
   0.55%	24
   0.55%	36

4. The required minimum transaction amount is PHP 6,000.

5. The applicant must be a principal cardholder of the non-Metrobank credit card being applied for Balance Transfer to their Metrobank credit card. The Balance Transfer shall be made under the name of the applicant.

6. The applicant warrants the truthfulness and veracity of all declared information to Metrobank. More importantly, the account / card numbers must be correct, valid and truly belong to the applicant. In the event that payment was made to an account which was later on discovered or established to belong to a different person and the account number(s) or other account identification(s) supplied by the applicant are incorrect or erroneous or does not belong to said applicant, applicant shall still be liable for the amount paid by Metrobank unless the same was returned in full to Metrobank by the beneficiary of said erroneous crediting of payment.

7. The total installment amount inclusive of the total interest amount must not exceed the principal cardholder’s available credit limit at the time of the special installment application.

8. A non-refundable processing fee of PHP 350 shall be charged to the cardholder at the time of transaction on every approved Balance Transfer application.

9. For approved Balance Transfer applications, payment will be made to the non-Metrobank credit card company within fifteen (15) business days from date of application.

10. Prior to approval, the cardholder shall continue to pay at least the minimum amount due on the non-Metrobank credit card. Payment by Metrobank will be remitted within six (6) business days after the posting of the Balance Transfer amount to their Metrobank Credit Card. The cardholder hereby holds Metrobank free from any liability for penalties, charges, and damages, if any, which may be imposed by the non-Metrobank credit card company in the event of delay due to rejection or non-acceptance of payment for whatever reason by the non-Metrobank credit card company.

11. Metrobank shall not be liable, and the cardholder agrees to be responsible for any residual balance that may arise from any transaction, interest, finance charge, or any other fee or debit that may be billed by the non-Metrobank credit card company subsequent to the posting of the payment transaction. In case of any error or misrepresentation, the cardholder shall remain liable for the amount paid by Metrobank unless the same is returned in full to Metrobank by the beneficiary company.

12. All Balance Transfer applications are subject to verification and approval by Metrobank. Metrobank has the absolute and exclusive right to approve or reject installment application. Once the application has been approved, the principal amount and processing fees shall be earmarked against the cardholder’s available credit limit at the time of application. The applicable interest will only be deducted from the cardholder’s available credit limit upon billing for the monthly amortization.

13. The Balance Transfer Monthly Installment Amortization shall be posted on the cardholder’s monthly Statement of Account (SOA) together with the cardholder’s other transactions, if any, and will form part of the cardholder’s Total Amount Due. Succeeding monthly amortizations shall be billed to the cardholder until Total Amount Payable is billed in full.

14. The computation of the Monthly Installment Amortization shall be based on the diminishing balance method. The interest per installment period shall be calculated based on the remaining principal balance of the loan at the beginning of each installment period, and the principal and interest components of the computed installment amortization for the duration of the term will vary per billing month.

15. The cardholder agrees to settle the Monthly Installment Amortization. In the case of partial amortization payment(s), the amount due under this Special Installment Facility shall be given last priority in the application of the said partial payment(s). Amounts paid after the due date shall be charged with interest and penalties similar to those charged to other past due accounts.

16. Should the cardholder decide to pay only the Minimum Amount Due or any amount below the Total Amount Due, only a portion of the Monthly Installment Amortization is considered paid. The entire remaining principal amount will be billed with the corresponding interest charges based on the application of payment. The unpaid portion of the Monthly Installment Amortization shall be included in the revolved amount that will be carried over to the next statement period and shall be subject to the regular finance charges.

17. If the cardholder chooses to accelerate the Special Installment Facility, a pre-termination fee of FIVE HUNDED FIFTY PESOS (PHP 550) or 5% of the remaining principal balance, whichever is higher, shall be billed to the cardholder. Any remaining balance (i.e. remaining principal amount based on the diminishing balance calculation and/or penalties, interest, and other charges) will be billed in full together with the corresponding interest charges, if any, on the following statement cycle date.

18. All approved Balance Transfer applications are deemed irrevocable and may not be cancelled.

19. Cardholders may avail through any of our Metrobank Credit Card Special Installment Facility through the following channels:

    • Customer Service hotline at (02) 88-700-919

    • Accredited Telemarketing agents

    • Metrobank App

20. Approved Balance Transfer applications are not eligible for rewards points.

21. The use of the Metrobank credit card in connection with this promo is subject to the Metrobank Credit Card Terms and Conditions, Metrobank Credit Card Special Installment Terms and Conditions and Metrobank Online and Metrobank App Terms and Conditions.

22. By joining or availing of this promo, the cardholder confirms that he/she has read, understood and agreed to the promo mechanics and its terms and conditions.

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

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