55% OFF + 0% installment at Time & Gems

PROMO HIGHLIGHTS

1. What is the promo offer?

   Get 55% OFF on selected jewellery items for a minimum single-receipt purchase of PHP 3,000.

2. What are the qualified cards / credit cards for the promo?

   All Metrobank Peso Visa / Mastercard, Metrobank Vantage Visa / Mastercard, M Free Mastercard, Titanium Mastercard, Platinum Mastercard, World Mastercard, PSBank Credit Mastercard, Toyota Mastercard, Robinsons Mastercard, Rewards Plus Visa, Femme Visa, Femme Signature Visa, Cashback Platinum Visa, Travel Platinum Visa, and Travel Signature Visa, Metrobank PRIME, Elite, Premier + Debit and Metrobank Prepaid cardholders in good credit standing only.

3. What is the promo period and redemption period?

   Promo period is from November 3, 2025, to April 30, 2026.

4. How do I register in the promo?

   No registration is required. Simply use your qualified Metrobank card at participating branches to avail of the promo.

5. What are the qualified transactions?

   • Valid for in-store purchases only.

   • Valid for straight, 0% installment (valid for 3, 6, 9, and 12 months), and Shop Now, Pay Later (up to 90 days) transactions only.

   • Minimum single-receipt purchase of PHP 3,000

   • Must be charged to a qualified Metrobank card via Time & Gems’ Point-of-Sale terminal

GENERAL MECHANICS

1. The promo is applicable only to all Metrobank Peso Visa/Mastercard, Metrobank Vantage Visa/Mastercard, M Mastercard, Titanium Mastercard, Platinum Mastercard, World Mastercard, PSBank Credit Mastercard, Toyota Mastercard, Robinsons Mastercard, Rewards Plus Visa, Femme Visa, Femme Signature Visa, Cashback Visa, Travel Platinum Visa, Travel Signature Visa, Metrobank Prime Debit and Metrobank Prepaid cardholders in good credit standing only. The promo is not applicable to Metrobank Corporate cards, Metrobank Dollar Mastercard and ON Virtual Mastercard cards.

2. Qualified cardholders can avail of any of the following offers at Time & Gems when using their Metrobank credit cards:

   • 55% OFF on selected jewellery items for a minimum single-receipt purchase of PHP 3,000, valid for straight and installment transactions

   • 0% Installment* up to 12 months (valid for 3, 6, 9, and 12 months) for a minimum single-receipt spend of PHP 3,000

   • Shop Now, Pay Later* up to 90 days after for a minimum single-receipt spend of PHP 3,000

   Note: Cardholders may qualify for both offers in a single transaction, provided all eligibility requirements are met.

   *0% Installment and Shop Now, Pay Later are applicable to jewellery and watch services, and available for Metrobank credit cards only.

3. Promo period is from November 1, 2025 to April 30, 2026 only.

4. Time & Gems is located at Unit 293 2F, Entertainment Mall, SM Mall of Asia, Seaside Blvd. Pasay City.

5. To avail the promo, the cardholder must charge the total purchase amount to his/her qualified Metrobank card through the store’s Point-Of-Sale Terminal.

6. Only one (1) qualified Metrobank credit, debit or prepaid card will be accepted per cardholder, per visit, per day, even if he or she has multiple qualified Metrobank Cards.

7. 0% Installment Terms and Conditions:

   • Full installment amount under the Metrobank 0% installment program shall be deducted from the cardholder’s available credit limit.

   • 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.

   • All 0% installment purchase/s are subject to Metrobank’s approval and only valid if monthly dues are paid in full.

8. For inquiries, please contact Time & Gems at 8420-7682 / 09171366982 or email timeandgemsenterprises@gmail.com.

9. Splitting of a single transaction for the purpose of availing multiple discounts is prohibited.

10. The promo is non-transferable, non-cumulative, cannot be exchanged for cash or other products and cannot be used in conjunction with any other discounts, promotions, fixed price items, unless otherwise provided.

11. In the purchase of goods and services in connection with this promo, senior citizens or persons with disability (PWD) can either avail of the promotional discount or the discount provided under the Expanded Senior Citizens Act 2010 or Magna Carta for Persons with Disability, whichever is higher, if applicable.

12. The use of the Metrobank Cards in connection with this promo is subject to the terms and conditions governing the issuance and use of Metrobank Cards.

13. Metrobank reserves the right to disqualify a previously approved transaction subsequently cancelled or charged back within the promo period. Should a cardholder receive the offer, but was later on deemed unqualified for not meeting the requirements of the promo due to disputes arising from, but not limited to, erroneous, invalid, fraudulent or unauthorized transactions, the cost of the offer shall be charged by Metrobank to the cardholder’s credit, debit or prepaid card account.

14. Any amendment in the terms and conditions is subject to DTI approval.

15. The terms and conditions governing the issuance and use of Metrobank 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.

16. Any dispute concerning the products or services, including pricing, related to the promo shall be settled directly between the cardholder and Time & Gems, with the concurrence of the DTI. Metrobank shall be free from any liability in the event of such dispute.

17. In case of dispute in respect of Metrobank only and the cardholder’s availment of the promo, the decision of Metrobank, with the concurrence of DTI, shall be considered final.

18. 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.

19. For any questions or clarifications, please contact Metrobank at 88700-700 or e-mail customerservice@metrobankcard.com.

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