Promo Mechanics
Eligible Cards
Terms & Conditions
Enjoy 0% installment for 3 months
The Promotion is applicable to all Metrobank Peso Visa/Mastercard, Metrobank Vantage Visa/Mastercard, M FREE Mastercard, Titanium Mastercard, Platinum Mastercard, World Mastercard, PSBank Credit Mastercard, NCCC Mastercard, Toyota Mastercard, Robinsons Mastercard, ON Virtual Mastercard, Rewards Plus Visa, Femme Visa, Femme Signature Visa, Cashback Platinum Visa, and Travel Platinum Visa credit cardholders in good standing only. The Promotion is not applicable to Metrobank Dollar Mastercard, Metrobank Prime Debit, Prepaid cards and YAZZ Prepaid Visa.
The promo period is from September 14 to October 1, 2023.
Enjoy 0% installment for 3 months for a minimum spend of PHP 3,000 using your Metrobank credit card.
Full installment amount purchased shall be deducted from the cardholder’s available limit.
All installment items and corresponding installment terms are subject governing the issuance and use of Metrobank credit card and all related provisions of the Metrobank credit card 0% installment programs.
All 0% installment purchase/s are subject to Metrobank credit card’s approval and only valid if monthly dues are paid in full.
Any amendment in the terms and conditions is subject to DTI approval.
Metrobank reserves the right to disqualify a previously approved transaction that was cancelled or charged back within the program period. Should the cardholder receive the incentive but was later on deemed unqualified for not meeting the requirements of the incentives due to disputes arising from erroneous, invalid, fraudulent or unauthorized transactions, the cost of the incentive shall be charged by Metrobank to the cardholder’s credit card account.
All installment purchases are subject to the Terms and Conditions governing the issuance and use of Metrobank credit cards and all related provisions of Metrobank credit card’s 0% installment program.
For any questions or clarifications, please contact Metrobank at 88700-700.
Other perks and privileges at the Big Bad Wolf Cebu:
Metrobank Rewards Plus Visa Spend-Based Fee Waiver Promo
Promo Eligibility
Must be newly approved New-To-Bank Metrobank Rewards Plus Visa Principal cardholders who have applied and submitted complete Card application requirements within the Promo Period; and
Accounts that were offered an Nth card via cross-sell, upgraded, and converted cards are excluded from the promo.
The 2023 Metrobank Rewards Plus Visa Spend-based Fee Waiver (“Promo”) shall run from January 1, 2023 to February 29, 2024 (“Promo Period” or “Card Application Period) only.
The Promo is open to newly approved and qualified principal Metrobank Rewards Plus Visa cardholders who have applied and submitted complete application requirements for said Card within the Promo Period; are subsequently approved; and who do not have an existing or cancelled principal Metrobank credit card and have not had one in the last 6 months.
The principal cardholder’s annual fee of Php2,500 will be waived if cardholder reaches the required Annual Spend of Php180,000. Accumulation of valid Annual Spend shall be twelve (12) months from the date of card approval (“Spend Period”).
The posting date of the transactions will be the basis of qualification on the period allocated for the annual spend requirement. To illustrate, if the card issue date is January 16, 2023, transactions qualified for the annual spend are the transactions posted until January 15, 2024.
For succeeding years, 1st day of annual spend computation will start on the day after anniversary date. To illustrate, for 2nd year annual spend computation, transactions qualified for the annual spend are the transactions posted from January 16, 2024 until January 15, 2025.
If principal cardholder does not meet the required Annual Spend of PHP 180,000, Principal cardholder will be charged an annual fee of PHP 2,500. Annual fee will be reflected on Principal cardholder’s statement of account after anniversary date.
At any time, subject to prior notice, Metrobank shall have the authority to increase the required amount of annual spend and change the type of Annual Spend to be considered.
All Principal cardholders approved within the promo period, will be monitored annually to see if they meet the required Annual Spend of PHP 180,000 to qualify for the Annual Fee Waiver.
Valid Annual Spend of PHP 180,000 shall only include straight retail transactions, online transactions, Bills2Pay and Cash Advance transactions. For retail installments and special Installments such as Balance Transfer and Cash2Go, only the amortized principal amount posted within 12 months from card issuance, will be considered as valid Annual Spend. Add-on interest is not included.
Fees and charges, Balance Conversion installments, PayNow, credit adjustments resulting from merchant initiated credit adjustment and transaction disputes are not included in the computation of valid annual spend requirement.
Transactions made by supplementary cardholder will be included in the computation of principal cardholder’s annual spend.
Only the Principal cardholder can qualify for the Annual Fee Waiver. Annual fee of supplementary cardholder will not be waived even if Principal cardholder meets Annual Spend.
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 Annual Spend and awarding of the Annual Fee Waiver to the principal cardholder by Metrobank is considered final.
In case the principal cardholder applied within the Promo Period and qualifies for both Rewards Plus Visa and Titanium Mastercard within the same day, only one credit card will be qualified for the annual fee waiver, based on the hierarchy of cards below:
1st: Titanium Mastercard
2nd: Rewards Plus Visa
In the event that principal cardholder requests for an upgrade or conversion of the qualified card in the future, Annual Fee Waiver will no longer apply. The Annual Fee Waiver cannot be transferred to the newly upgraded or converted card.
Metrobank reserves the right to disqualify any Cardholder from further participation in this Program if the Cardholder is delinquent, defaults in his payment or, if in Metrobank’s judgment, the said Cardholder has violated these Terms and Conditions and/or the Terms and Conditions governing the issuance and use of his Metrobank credit card.
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.
In case of dispute on Cardholder’s eligibility, Metrobank’s decision shall prevail. All questions or disputes regarding the Cardholder’s eligibility for the Promo or for any redemption shall be resolved by Metrobank at its discretion.
In the event that the principal Cardholder cancels his/her Metrobank credit card within twelve (12) months from the card opening date, Metrobank reserves the right to charge the equivalent pro-rated amount of the annual fee.
All credit card applications shall be subject to Metrobank’s final approval and applicable terms and conditions.
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 terms and conditions governing the issuance of Metrobank credit cards, reminders and other provisions contained in the card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable in this Promo.
The use of the Metrobank Card in connection with the Promo is subject to the Terms and Conditions governing the issuance of Metrobank Credit Cards and the Rewards Plus Visa 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 its terms and conditions.
For any questions or clarifications, please contact Metrobank at (02)88-700-700.
Metrobank is regulated by the Bangko Sentral ng Pilipinas (BSP). Cardholders may likewise refer their concerns or comments to the Bangko Sentral ng Pilipinas (BSP) at 8811-1277 or send an email to consumeraffairs@bsp.gov.ph.
Switch now & get a free trip to Siargao
Promo runs until October 31, 2023.
Apply now to avail this offer at www.metrobankcard.com/apply
Redeem your welcome gift through this link: https://metrobankcard.mymcc.gift
By going to this link, you will be redirected to the Giftaway page, which is an external website outside Metrobank site.
The Metrobank Switch 2023 Welcome Rewards Promo (the “Promo”) shall run from July 17, 2023 to October 31, 2023 (“Promo Period and Card Application Period”).
The Promo is open to newly approved and qualified principal Metrobank credit card cardholders (“Cardholders”) who:
a. Have applied and submitted complete application requirements within the Promo Period and were approved within 30 calendar days from the end of promo period for the following credit card types:
b. Do not have an existing or cancelled Principal credit card issued by Metropolitan Bank & Trust Company (“Metrobank”) and have not had one in the last 6 months;
c. Must have an existing, active principal credit card and account in good standing with another bank at the time of application until approval; and
d. Must meet the required accumulated valid spend within 60 calendar days from date of card approval (“Spend Period”).
With exception of Switch 2023 Spend Based Fee Waiver Promo, a cardholder may only qualify for one acquisition promo at any given time. If a Cardholder qualifies for two (2) or more Cards under different acquisition promotions within the same promo period, they will be entitled to only one Welcome Reward. If a Cardholder qualifies under another acquisition promo during the same promo period, they will no longer be able to participate in this Promo. In this scenario, the reward will be based on which promo Cardholder was able to qualify for first based on Metrobank’s determination.
Qualified Cardholders will be awarded by Metrobank with a Welcome Reward upon meeting the required minimum accumulated Valid Spend on their new Metrobank credit card within the required Spend Period below:
Qualified Cardholders who meet the minimum accumulated valid spend requirement will receive the assigned welcome rewards awarded through rewards points. Redeemed rewards points can be converted to any item from the Metrobank Card Rewards Catalogue such as airmiles conversion, cash credit, or eGCs.
Valid Spend includes only retail purchase and merchant installment transactions, inclusive of domestic, international, and online transactions. For merchant installment transactions, only the principal amount of transactions approved within the Spend Period will be counted as Valid Spend. Supplementary account/s’ Valid Spend will be counted as part of the principal cardholder’s spend.
The following transactions and fees will not be considered as valid spend: card fees, annual fees, cash advance and cash advance fees, balance transfer and balance transfer charges, loans and loan charges, cash2go and cash2go charges, balance conversion and balance conversion charges, interest charges, late payment charges, Bills2Pay, PayNow and other miscellaneous fees and recurring payments.
Qualified Cardholders who reach the accumulated valid spend on their newly approved credit card will receive an SMS with confirmation of his/her eligibility to receive the Welcome Reward.
To redeem the Welcome Reward, the cardholder must do the following:
a. Go to the promo redemption link in the Metrobank website (metrobank.com.ph) and search the promo name:
Scroll down to Featured Promotions. Select View All then search “Switch 2023” and click the link under the Promo Mechanics, “what are the mechanics?”; OR
Visit Giftaway’s redemption page at metrobankcard.mymcc.gift
b. From the redemption page, qualified cardholder should provide his/her Metrobank-registered mobile number and agree that such information will be subject to the Confidentiality, Data Privacy and Security Policy/Terms of the e-gift provider, Giftaway Inc., and is subject further to the Data Privacy Act of 2012 (R.A. 10173). The redemption page will never ask for the card number, expiry date, or CVV.
c. Click on redeem to claim the Welcome Reward.
d. Welcome Reward will be credited to the qualified cardholder’s credit card account after 30 calendar days from cardholder’s clicking of the redeem button;
e. Only successful redemptions will receive the Welcome Reward;
f. For reward points converted to airmiles, the cardholder holds responsibility in coordinating the conversion of airmiles to airline tickets with their preferred airline company. Reward points converted to airmiles does not include travel fees or accommodation to the preferred destination of the cardholder. To convert the points to reward items, cardholder may redeem these by calling the customer service hotline at (02)88-700-700.
g. Cap for airmiles and cashback card rebate redemption will be waived for qualified customers for this promo until December 31, 2024. Redemptions made after December 31, 2024 will be subject to the prevailing redemption cap.
h. Qualified cardholder entitled for the Promo may redeem the reward points and convert to airmiles based on the required amount of airmiles of their preferred airline. Free trip advertisements such as Coron, Boracay, Siargao, Japan, Hong Kong, Korea, Taiwan, Bangkok, Singapore, Dubai, Sydney, etc. were computed based on PAL Mabuhay Airline table of airmiles conversion as of May 15, 2023. Metrobank does not have jurisdiction over changes in airline conversion to actual tickets.
Should there be any change/s in the cardholder’s Metrobank-registered mobile number, it is the responsibility of the cardholder to update his/her contact information by calling the Metrobank Customer Service Hotline at (02)88-700-700.
Cardholder must redeem the Welcome Reward within sixty (60) calendar days from receipt of the SMS confirming the award of reward points (“Redemption Period”). After which, the unredeemed Welcome Reward will be forfeited. In addition, the Welcome Reward cannot be exchanged for cash, other products or discounts. Redeemed Welcome Rewards are valid until fully consumed.
Metrobank will no longer accommodate cardholder requests for re-sending of SMS due to, but not limited to, the following reasons:
a. SMS sent successfully to the principal cardholder but were accidentally or purposely deleted by the cardholder, members of their family or friends or due to upgrade or reformatting done to the cardholder’s mobile device; or
b. Lost, stolen, or defective mobile device; or
c. SMS sent successfully to the principal Cardholder’s mobile number maintained in Metrobank’s database during the Promo and Redemption Period but Cardholder failed to notify Metrobank of the change in his or her mobile number.
Cardholders may contact Metrobank’s Customer Service Hotline at (02)88-700-700 to request for validation of the SMS and redemption link that were redeemed already but was deleted or lost.
Metrobank reserves the right to disqualify a previously approved transaction that was cancelled or charged back within the Promo period. Should the Cardholder receive the incentive but was later on deemed unqualified for not meeting the requirements of the incentives due to disputes arising from, but not limited to, erroneous, invalid, fraudulent or unauthorized transactions, the cost of the incentive shall be charged by Metrobank to the Cardholder’s credit card account.
Converted, upgraded, or change in the card type approved will disqualify the cardholder from receiving the Welcome Reward.
In case of dispute on Cardholder’s eligibility, Metrobank’s decision shall prevail. All questions or disputes regarding the Cardholder’s eligibility for the Promo or for any redemption shall be resolved by Metrobank at its discretion.
Any dispute concerning the products or services related to the Promo offer shall be settled directly between the cardholder and the appropriate merchant, with the concurrence of the DTI.
In the event that the principal Cardholder cancels his/her Metrobank credit card within eighteen (18) months from the card opening date, Metrobank reserves the right to charge the equivalent pro-rated amount of Welcome Reward awarded to the cardholder.
All credit card applications shall be subject to Metrobank’s final approval and credit card terms and conditions.
Any dispute related to cardholder’s availment of any promo shall not be a valid reason for non-payment of cardholder’s credit card bill or outstanding balance. Hence, all accrued charges on the credit card while the dispute is ongoing shall be for the account of the cardholder.
The terms and conditions governing the issuance of Metrobank credit cards, reminders and other provisions contained in the card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable in this Promo.
The use of the Metrobank credit card in connection with this Promo is subject to the Terms and Conditions governing the issuance and use of Metrobank credit card.
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.
For any questions or clarifications, please contact Metrobank at (02)88-700-700.
Metrobank is regulated by the Bangko Sentral ng Pilipinas (BSP). Cardholders may likewise refer their concerns or comments to the Bangko Sentral ng Pilipinas (BSP) at 8811-1277 or send an email to consumeraffairs@bsp.gov.ph.
Switch 2023: Spend Based Annual Fee Waiver Promo
The Metrobank Switch 2023 Spend Based Fee Waiver (the “Promo”) shall run from July 17, 2023 to October 31, 2023 (“Promo Period and Card Application Period”).
The Promo is open to newly approved and qualified principal Metrobank credit card cardholders (“Cardholders”) who:
a. Have applied and submitted complete application requirements within the Promo Period and were approved within 30 calendar days from the promo period end date for the following credit card types:
b. Do not have an existing or cancelled Principal credit card issued by Metropolitan Bank & Trust Company (“Metrobank”) and have not had one in the last 6 months;
c. Must have an existing, active principal credit card and account in good standing with another bank at the time of application until approval; and
d. Must meet the required valid accumulated annual spend.
Principal cardholders who applied within the promo period are eligible for the Switch 2023 Spend Based Annual Fee Waiver promo, if they are able to meet the annual spend requirement using their newly-issued Metrobank credit card.
Annual spend requirement to qualify for the annual fee recurring waiver:
Accumulation of valid annual spend shall be twelve (12) months starting from their card anniversary date until one (1) calendar day prior their next anniversary date.
To illustrate:
Principal cardholder’s card application was approved in July 17, 2023 (“Anniversary date”), by virtue of Metrobank’s non-promo offer, annual fee is waived for the first year by default. Hence, cardholder will not be charged for the annual fee of his/her corresponding card type.
Switch 2023 Spend Based Annual Fee Waiver will begin July 17, 2023 until July 16, 2024. If the principal cardholder meets the annual spend requirement based on his/her approved card type, then he/she will receive an annual fee waiver and does not need to pay the annual fee on the cycle of July 17, 2024.
The following year, the annual spend period will be from July 17, 2024 until July 16, 2025. If the principal cardholder meets the annual spend requirement, he/she will not need to pay the annual fee on July 17, 2025. This will occur annually.
The posting date of the transactions will be the basis of qualification on the period allocated for the annual spend requirement.
If the principal cardholder does not meet the required annual spend, he/she will be charged an annual fee, which will be reflected on the principal cardholder’s statement of account.
At any time, Metrobank shall have the authority to increase the required amount of annual spend and change the type of valid spend transactions to be considered.
All principal cardholders approved within the promo period, will be monitored annually to see if they meet the required annual spend based amount.
Only the Principal cardholder can qualify for the Spend Based Annual Fee Waiver promo. Annual fee of supplementary cardholder will not be waived even if Principal cardholder meets annual spend.
The annual fee waiver is non-transferrable, and cannot be converted or exchanged for cash, credit, benefit, advantage, or any property.
The computation of the annual spend and awarding of the annual fee waiver to the principal cardholder by Metrobank is considered final.
With the exception of Switch 2023 Welcome Reward Promo, a cardholder may only qualify for one acquisition promo at any given time. If a Cardholder qualifies for two (2) or more Cards under different acquisition promotions within the same promo period, they will be entitled to only one Welcome Reward. If a Cardholder qualifies under another acquisition promo during the same promo period, they will no longer be able to participate in this Promo.
Valid annual spend shall only include all straight retail transactions, online transactions, Bills2Pay, and Cash Advance. For retail installments and special installments such as Balance Transfer and Cash2Go, only amortized principal amount posted within 12 months from card issuance, will be considered as valid annual spend. Add-on interest is not included. Transactions made by supplementary cardholder will be included in the computation of principal cardholder’s annual spend.
Fees and charges, Balance Conversion installments, PayNow, credit adjustments resulting from merchant initiated credit adjustment and transaction disputes are not included in the computation of valid annual spend requirement.
Qualified Cardholders who reach the accumulated valid annual spend will receive a notification via SMS, with confirmation that required annual spend has been reached and will take effect in the account.
Should there be any change/s in the cardholder’s Metrobank-registered mobile number, it is the responsibility of the cardholder to update his/her contact information by calling the Metrobank Customer Service Hotline at (02)88-700-700.
Metrobank will no longer accommodate Cardholder requests for re-sending of SMS due to, but not limited to, the following reasons:
a. SMS sent successfully to the principal cardholder but were accidentally or purposely deleted by the cardholder, members of their family or friends or due to upgrade or reformatting done to the cardholder’s mobile device; or
b. Lost, stolen, or defective mobile device; or
c. SMS sent successfully to the principal Cardholder’s mobile number maintained in Metrobank’s database during the Promo and Redemption Period but Cardholder failed to notify Metrobank of the change in his or her mobile number.
Cardholders may contact Metrobank’s Customer Service Hotline at (02)88-700-700 to request for validation of the SMS and redemption link that were redeemed already but was deleted or lost.
Metrobank reserves the right to disqualify a previously approved transaction that was cancelled or charged back within the Promo period. Should the Cardholder receive the incentive but was later on deemed unqualified for not meeting the requirements of the incentives due to disputes arising from, but not limited to, erroneous, invalid, fraudulent or unauthorized transactions, the cost of the incentive shall be charged by Metrobank to the Cardholder’s credit card account.
In the event that Principal Cardholder requests for an upgrade or conversion of the qualified card in the future, spend based annual fee waiver will no longer apply. The annual fee waiver cannot be transferred to the newly upgraded or converted credit card.
In case of dispute on Cardholder’s eligibility, Metrobank’s decision shall prevail. All questions or disputes regarding the Cardholder’s eligibility for the Promo or for any redemption shall be resolved by Metrobank at its discretion.
Any dispute related to cardholder’s availment of any promo shall not be a valid reason for non-payment of cardholder’s credit card bill or outstanding balance. Hence, all accrued charges on the credit card while the dispute is ongoing shall be for the account of the cardholder.
Any dispute concerning the products or services related to the Promo offer shall be settled directly between the cardholder and the appropriate merchant, with the concurrence of the DTI.
In the event that the principal Cardholder cancels his/her Metrobank credit card within eighteen (18) months from the card opening date, Metrobank reserves the right to charge the equivalent pro-rated amount of Welcome Reward awarded to the cardholder.
All credit card applications shall be subject to Metrobank’s final approval and credit card terms and conditions.
The terms and conditions governing the issuance of Metrobank credit cards, reminders and other provisions contained in the card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable in this Promo.
The use of the Metrobank credit card in connection with this Promo is subject to the Terms and Conditions governing the issuance and use of Metrobank credit card.
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.
For any questions or clarifications, please contact Metrobank at (02)88-700-700.
Metrobank is regulated by the Bangko Sentral ng Pilipinas (BSP). Cardholders may likewise refer their concerns or comments to the Bangko Sentral ng Pilipinas (BSP) at 8811-1277 or send an email to consumeraffairs@bsp.gov.ph.
Standard Terms and Conditions apply.
Enjoy 0% installment for 3 months DTI Fair Trade Permit No. FTEB-158277, Series of 2023. Promo Reference No. CCPD23-324
Metrobank Rewards Plus Visa Spend-Based Fee Waiver Promo DTI Fair Trade Permit No. FTEB-171647, Series of 2023.
Switch 2023: Spend Based Annual Fee Waiver Promo DTI Fair Trade Permit No. FTEB-172059, Series of 2023.
Other Promos