PHP 400 cashback with 0% installment at Owndays

The Promo is open 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, Rewards Plus Visa, Femme Visa, Femme Signature Visa, Cashback Visa, Travel Platinum Visa, and Travel Signature Visa cardholders in good credit standing only. The promo is not applicable to ON Virtual Mastercard, Metrobank Dollar Mastercard, Metrobank PRIME, Elite, Premier + Debit, Prepaid cards and YAZZ Prepaid Visa.

Get PHP 400 cashback for a minimum single-receipt spend of PHP 12,000 when you use your Metrobank credit card at Owndays stores nationwide.

• Valid for 0% installment up to 6 months only.

• Cashback redemption is limited to 1x use per month, per customer.

Promo period is from April 1, 2025 to May 31, 2025.

Promo is valid at participating Owndays stores nationwide.

• Ayala Malls Capitol Central
• Ayala Malls Manila Bay
• Ayala Malls Circuit
• TriNoma
• Ayala Malls Vertis North
• Century City Mall
• City of Dreams Manila
• Eastwood Mall
• Estancia Mall
• Evia Lifestyle Center
• Festival Mall Alabang
• Fisher Mall Quezon Avenue
• Gateway Mall
• Glorietta 2
• Greenbelt 5
• Lucky Chinatown Mall
• Market! Market!
• Marquee Mall
• Mitsukoshi BGC
• Okada Manila
• Newport Mall at Resorts World Manila
• Robinsons Antipolo
• Robinsons Galleria
• Robinsons Galleria South
• Robinsons Place Manila
• Shangri-La Plaza
• SM City Bacoor
• SM City Cebu
• SM City BF Parañaque
• SM City Clark
• SM City Dasmariñas
• SM City Davao (Ecoland)
• SM City Fairview
• SM City Grand Central
• SM City Iloilo
• SM Lanang Premier
• SM Megamall
• SM City Mindpro
• SM Mall of Asia (MOA)
• SM City Molino
• SM City Pampanga
• SM Southmall
• SM City Sta. Mesa
• SM City Santa Rosa
• SM City Sto. Tomas
• SM City Sucat
• SM City Tanza
• SM City Telabastagan
• SM City Urdaneta Central
• SM City Valenzuela
• UP Town Center
• Uptown Bonifacio

The cashback earned from the qualified 0% installment or Shop Now, Pay Later transaction will be automatically credited to the cardholder’s account within 30 business days from the end of the promo period.

Promo is valid only for 0% installment transactions up to 6 months tenor. Other installment tenors and straight transactions are excluded from the promo.

The promo is non-transferable, non-cumulative, cannot be exchanged for cash or other products.

Splitting of transaction for the purpose of availing multiple cashbacks is prohibited. Splitting of transaction is defined as an intentional act of dividing a merchant transaction into multiple charge slips to redeem more than one reward incentive. A presumption of splitting of transaction arises when there are 2 or more transactions in one merchant outlet or establishment, and the interval of these transactions were made within 5-10 minutes.

Cashback credit earned by a supplementary cardholder from this promo will be automatically credited to the Principal cardholder’s account.

To qualify for the cashback promo, cardholder must have an active account and have no outstanding past due. Otherwise, Rewards Points and Cashback earned under this promo will be forfeited.

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

Metrobank reserves the right to disqualify a previously approved transaction subsequently cancelled or charged back within the promo period. Should a cardholder receive the cashback, 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 cashback amount shall be charged by Metrobank to the cardholder’s card account.

All installment purchases are subject to the Terms and Conditions governing the issuance and use of Metrobank credit card and all related provisions of Metrobank credit card’s 0% installment program. All installment purchase/s are only valid if monthly dues are paid in full.

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 cards.

The terms and conditions governing the issuance and use 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.

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

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 the DTI, shall be considered final.

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 & conditions.

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

Metrobank is regulated by the Bangko Sentral ng Pilipinas. Cardholders may likewise refer their concerns to the Bangko Sentral ng Pilipinas at 8811-1277 or send an email to consumeraffairs@bsp.gov.ph.