Enjoy a special anniversary add-on rate of 0.68%

Promo Offer: Convert available credit limit from your Metrobank credit card into cash at a low monthly add-on rate of 0.68% for 12 to 60 monthly installments when you avail through the Metrobank App, Customer Service hotline and accredited telesales agents.

Promo Highlights: This is open to all cardholders as long as they meet the existing Cash2Go terms and conditions within promo period.

Promo Period: September 5, 2025 to September 30, 2025

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 Cash2Go: Metrobank Peso Platinum Mastercard, Metrobank World Mastercard, Metrobank Travel Signature Visa, Metrobank Travel Platinum Visa, Metrobank Femme Signature Visa, Metrobank Titanium Mastercard, Metrobank Toyota Mastercard, Metrobank M Free Mastercard, Metrobank Rewards Plus Visa, Metrobank Cashback Visa, Metrobank Vantage Mastercard, Metrobank Vantage Visa, Metrobank Femme Visa, Metrobank NCCC Mastercard, and Metrobank M Lite Mastercard. The following are not eligible for this promo: PSBank Card, Metrobank ON MC Classic, Metrobank ON MC Premium, Mastercard USD Gold, Mastercard USD Platinum, Prepaid Visa, Business and Corporate cards.

2. The promo period is from September 5, 2025 to September 30, 2025 only.

3. The promo offer allows you to convert your credit limit from your Metrobank credit card into cash at a low monthly add-on rate of 0.68% payable for 12 to 60 monthly installments.

   • Monthly Add-on Rate: 1% | Tenor: 3 months

   • Monthly Add-on Rate: 1% | Tenor: 6 months

   • Monthly Add-on Rate: 1% | Tenor: 9 months

   • Monthly Add-on Rate: 0.68% | Tenor: 12 months

   • Monthly Add-on Rate: 0.68% | Tenor: 18 months

   • Monthly Add-on Rate: 0.68% | Tenor: 24 months

   • Monthly Add-on Rate: 0.68% | Tenor: 36 months

   • Monthly Add-on Rate: 0.68% | Tenor: 48 months

   • Monthly Add-on Rate: 0.68% | Tenor: 60 months

4. 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

   • The Metrobank App

5. The required minimum transaction amount is SIX THOUSAND PESOS (PHP 6,000.00).

6. 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 Cash2Go application.

7. A non-refundable processing fee of THREE HUNDRED FIFTY PESOS (PHP 350.00) shall be charged to the cardholder at the time of transaction on every approved Cash2Go application.

8. For approved Cash2Go applications, proceeds will be released within 7 business days from date of application to the nominated current or savings account.

9. Cardholders must ensure that the nominated bank account is valid and that all the provided details are accurate and complete. Corporate, time deposit, cash deposit, and dollar accounts are not applicable. Metrobank will not be responsible for any loss or damage resulting from any error or processing failure caused by an incorrectly or fraudulently provided detail such as Account Name, Account Number, and/or Amount.

10. In cases of erroneous processing of Cash2Go transactions where the proceeds that were credited to the nominated bank account of the cardholder are not consistent with the agreed Cash2Go transaction, Metrobank reserves the right to rectify such error by any of the following actions:

    a. Shortage (e.g. amount is less than the Cash2Go transaction) – Metrobank will process the shortfall to complete the transaction using the same rate and tenor.

    b. Overage (e.g. duplicate credit) – Metrobank will recover the excess amount by coordinating with the recipient bank. The cardholder agrees to issue a debit authority to the recipient bank in order for the proceeds to be returned to Metrobank and for the cancellation of the duplicate transaction. In the event that bank-to-bank recovery is unsuccessful, the cardholder shall return the Cash2Go proceeds by deposit or fund transfer to Metrobank. If the cardholder refuses or fails to return the duplicate proceeds, Metrobank will bill the corresponding transaction to the credit card of the cardholder as a new Cash2Go transaction using the same rate and tenor as the original transaction.

11. The cardholder acknowledges that any complaint or dispute between the cardholder and the nominated accountholder and/or the receiving bank shall be solely resolved by them and shall hold Metrobank free and harmless from any liability in connection with such complaint or dispute.

12. All Cash2Go 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. All approved Cash2Go applications are deemed irrevocable and may not be cancelled.

14. A monthly add-on rate based on prevailing rates will be levied on the amount applied for installment. The interest is computed by multiplying the principal amount with the monthly interest rate multiplied by the chosen payment term. The Monthly Effective Interest Rate (EIR) refers to the rate that exactly discounts estimated future cash flows through the life of the installment to the net amount of the installment proceeds. 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 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.

16. 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. 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 Cash2Go transaction, a pre-termination fee of P550 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. If the Metrobank Credit Card is suspended, cancelled, or not renewed due to non-payment or a breach of the Metrobank Credit Card Terms and Conditions, all unpaid installment amortizations and outstanding balances in the cardholder's account shall become due and demandable for immediate payment.

19. Cash2Go applications are not eligible to earn rewards points.

20. The cardholder agrees, consents, and authorizes Metrobank to disclose personal data, as defined by the Data Privacy Act of 2012 and its Implementing Rules and Regulations, to agents or service providers tasked with processing, collecting, and storing personal data for installment transactions, or to any third party, receiving bank, or financial institution involved in the installment transaction for purposes of implementing the Metrobank Credit Card Cash2Go Installment Facility.

21. All questions regarding the cardholder’s eligibility to this promo shall be resolved by Metrobank.

22. The Metrobank Credit Card Cash2Go Installment Facility is further governed by Metrobank’s General Banking Terms and Conditions and the Metrobank Credit Card Terms and Conditions. Cardholders acknowledge and agree that Metrobank may, in its sole discretion, suspend, cancel, or discontinue, whether temporarily or permanently, any of Metrobank’s Special Installment Facility at any time upon reasonable notice, without prejudice to approved applications prior thereto. Metrobank shall not be responsible for any liability, losses, damages, or expenses (including any penalty or finance charges imposed upon the cardholder) in connection with the foregoing.

23. 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.

24. By availing of Metrobank’s Cash2Go, the cardholder acknowledges that he/she has read, fully understood, and agreed to all the terms and conditions herein stated. Metrobank has the right to amend these terms and conditions at any time, and any such modification is regarded as binding on the cardholder upon at least sixty (60) days prior notice in a manner Metrobank deems appropriate, unless otherwise directed by the Bangko Sentral ng Pilipinas, existing laws, rules and regulations. The cardholder’s continued availment of Metrobank’s Special Installment Facility constitutes his/her acceptance of the updated terms and conditions.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.

25. 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

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