Up to PHP 200 eGC with Choose PayNow

PROMO HIGHLIGHTS:

1. What is the promo offer?

   Send money via PayNow using your Metrobank credit card to earn up to PHP 200 eGC for any minimum single-receipt spend.

   Minimum Single Receipt Spend	Reward or Incentive
   PHP 40,000 minimum single receipt spend	PHP 200 eGC
   PHP 10,000 minimum single receipt spend	PHP 100 eGC

2. What is the promo period and redemption period?

   The Promo period is from November 15 to January 14, 2026. Redemption period is from November 15 to March 14, 2026 only.

3. How do I register in the promo?

   a. Visit https://metrobankcard.mymcc.gift

   b. Log-in your mobile number found in Metrobank’s database

   c. In the Available Promos section, click “2025 Q4 Choose PayNow” and enter your mobile number to register in the promo

   d. An SMS confirming successful registration will be sent to the cardholders’ mobile number after successful registration.

4. What are the qualified transactions?

   Includes PayNow transactions via the Metrobank app and should not be transferred to cardholder’s own account.

5. How to redeem the qualified eGC?

   a. Visit https://metrobankcard.mymcc.gift

   b. Log-in your mobile number found in Metrobank’s database

   c. In the Joined Promos section, click check progress under “2025 Q4 Choose PayNow” tab and enter your registered mobile number.

   d. Click the Claim button then click “Use This” button to get your Universal eGC

   Only the principal cardholder can access the self-help tracker which will be updated within 7 to 10 banking days after the transaction has been made.

6. How many eGCs can I get?

   A principal cardholder is entitled to maximum of one (1) eGC per customer for the duration of the promo period regardless of the number of times cardholder has reached the minimum single receipt spend. Supplementary cardholder transaction/s will be included in the computation of the maximum one (1) eGCs.

GENERAL MECHANICS:

1. The Promo is open to pre-selected Metrobank Peso Mastercard / Visa, Metrobank Vantage Mastercard / Visa, M Mastercard, Titanium Mastercard, Platinum Mastercard, World Mastercard, PSBank Credit Mastercard, Toyota Mastercard, NCCC Mastercard, Rewards Plus Visa, Femme Visa, Femme Signature Visa, Cashback Platinum Visa, Travel Signature Visa, and Travel Platinum Visa credit cardholders in good standing. The Promotion is not applicable to ON Virtual Mastercard, Metrobank Dollar Mastercard, Corporate Mastercard, Dealer Financing, YAZZ Prepaid Visa, Metrobank Debit and Prepaid cards.

2. The Promo period is from November 15 to January 14, 2026. Redemption period is from November 15 to March 14, 2026 only.

3. Qualified principal cardholder can get an eGC when he or she sends money via PayNow for a minimum single-receipt spend using his or her Metrobank credit card. Valid for Send Money via PayNow transaction made at the Metrobank App only.

   Minimum Single Receipt Spend	Reward or Incentive
   PHP 40,000 minimum single receipt spend	PHP 200 eGC
   PHP 10,000 minimum single receipt spend	PHP 100 eGC

4. A cardholder has an option to transact any of the minimum single receipt spend stated above to get the associated eGC. A customer is qualified for one (1) eGC based on the first PayNow transaction after successful registration within the promo period. The first PayNow transaction after the successful registration will be the qualified transaction for the eGC. A higher minimum spend transaction after the first PayNow transaction will no longer earn and eGC.

   Illustration:

   Cardholder A

   Transaction Date	Transaction Amount	Reward or Incentive	Will it Receive an eGC?
   November 20, 2025	PHP 12,000	PHP 100 eGC	Yes, this will get an eGC and cardholder will have reached the maximum eGC redeemable.
   December 20, 2025	PHP 42,000	PHP 200 eGC	No, since an eGC was already awarded for the November 20, 2025 transaction.

5. To qualify for the promo, a principal cardholder must have his or her mobile number updated in Metrobank’s credit card’s database and is required to register in the promo. No or late registration means no eGC will be provided.

   Registration via the One Giftaway Website

   a. Visit https://metrobankcard.mymcc.gift

   b. Log-in your mobile number found in Metrobank’s database

   c. In the Available Promos section, click “2025 Q4 Choose PayNow” and enter your mobile number to register in the promo

   d. An SMS confirming successful registration will be sent to the cardholders’ mobile number after successful registration

   Registration via the Metrobank Website

   a. Visit Metrobank website at www.metrobank.com.ph

   b. Scroll down and click the Promos button

   c. Search for “Up to PHP 200 eGC with Choose PayNow”

   d. Visit https://metrobankcard.mymcc.gift

   e. Log-in your mobile number found in Metrobank’s database

   f. In the Available Promos section, click “2025 Q4 Choose PayNow” and enter your mobile number to register in the promo

   g. An SMS confirming successful registration will be sent to the cardholders’ mobile number after successful registration

6. If a cardholder changes and/or updates his or her mobile number after successful registration, a cardholder will not be automatically registered in the promo. It is the responsibility of the cardholder to inform Metrobank by calling the Metrobank Customer Service Hotline at (02) 88-700-700 and inform that he or she changed and/or updated his or her mobile number and would like to register the new mobile number. The same applies for new cardholders that have activated their credit card for the first time within the promo period.

7. To avail of the promo, a principal cardholder must register from November 15, 2025 to March 14, 2026 and must follow the registration process stated in number 4 promo mechanics. No confirmatory SMS means the registration is not successful. Metrobank will only acknowledge a successful registration if the principal cardholder received the SMS confirming successful registration.

   Note: The metrobankcard.mymcc.gift powered by Giftaway will only ask for your mobile number and verification code sent to your mobile number. Metrobank and Giftaway will never ask for your card number, expiry date, CVV, OTP via links in e-mail, SMS or phone calls.

8. Cardholders will only start earning an eGC for qualified transaction once registration is successful. Transaction/s made before the successful registration will NOT earn and qualify for an eGC. Metrobank will not accommodate requests of cardholders to include and send eGCs for transactions made before successful registration.

9. Supplementary cardholder/s is/are automatically registered once the principal cardholder has successfully registered for the promo. Transaction/s made by the supplementary cardholder/s will be included in the primary cardholder’s transaction/s.

10. By completing cardholders’ registration, he or she agrees that his or her personal informational shall be subject to confidentiality, data privacy and other security terms of Metrobank and Giftaway.

11. A visual transaction and incentive tracker where the qualified transaction and incentive will be available to registered cardholders starting by December 1, 2025. Only the principal cardholder can access the tracker which will be updated within 7 to 10 banking days after the transaction has been posted in Metrobank system. Metrobank will no longer send eGC SMS with clickable links in compliance with BSP Memorandum No. M-2022-015.

    Illustration:

    Transaction Date	Processing Time	Sending of Code
    December 8, 2025, Friday	Within 7 to 10 banking days	December 22, 2025, Friday

12. A registered and qualified customer can redeem the eGC by following the steps below.

    How to Redeem an eGC:

    a. Visit https://metrobankcard.mymcc.gift

    b. Log-in your mobile number found in Metrobank’s database

    c. In the Joined Promos section, click check progress under “2025 Q4 Choose PayNow” tab and enter your registered mobile number.

    d. Click the Claim button then click Use This button to get your Universal eGC

13. The promo and eGC entitlement is based on a customer level. Multiple Metrobank credit cards under the same customer number will be considered as one unique cardholder. Qualified and transactions made by supplementary cardholder/s and/or other Metrobank credit card/s (if any) which share the same customer number will be combined in the number of entitled token codes.

14. A principal cardholder is entitled to maximum of one (1) eGC per customer for the duration of the promo period regardless of the number of times cardholder has reached the minimum single receipt spend. Supplementary cardholder transaction/s will be included in the computation of the maximum one (1) eGCs.

15. Once a cardholder redeems the preferred eGC incentive, he or she is no longer qualified for the other eGC incentive tiers regardless of whether cardholder reaches the required minimum single-receipt spend.

16. The registered cardholder who reached the minimum spend will receive a qualified or confirmation SMS from Metrobank and has the option to redeem his or her incentive via Giftaway Universal eGC (such as but not limited to The SM Store, Robinsons, Puregold, Shopee, Grab, Lazada, and more) by visiting the Giftaway website or visual tracker found in the Metrobank website. The eGC for this promo is applicable to select Giftaway merchants assigned by Metrobank.

17. Applicable delivery and other processing fees from the stores where the eGC/s will be used are not included in the eGC and should be shouldered by the cardholder. The terms and conditions relating to the use of the Giftaway Universal eGC indicated in the Giftaway platform shall apply. The registered cardholder has the option to choose what denomination will he or she gets based on the incentive above.

18. The redemption period is from November 15, 2025 to March 14, 2026 or within sixty (60) calendar days after the receipt of the SMS confirming eGC entitlement. All redemption requests made after the redemption period or after sixty (60) calendar days will not be accommodated. All unredeemed eGC will be forfeited after the expiration date indicated in the SMS and self-help tracker.

19. Metrobank will not accommodate any request of cardholder to cancel, reverse or applied to other incentive or reward once a valid redemption is made. All redemptions will be considered final.

20. “Qualified Transactions” includes Send Money via PayNow transactions transferred to other bank account using the Metrobank app. Send Money via PayNow transferred to cardholders own account will not earn an eGC as well as PayNow transaction made via MIA Chatbot.

21. Non-Qualified Transactions” includes other retail purchases at groceries, department stores, gasoline stations, restaurants, Internet, and Mail Order/Telephone Order, foreign currency transactions, etc; and 0% merchant installment and Shop Now, Pay Later transaction such as but not limited to installment purchase of appliances, jewelry, PayNow via MIA Chatbot, Bills2Pay, PayBills, Balance Transfer, Balance Conversion, Cash2Go, Cash Advance, mobile payment / mobile wallet transactions, online payment system and transactions with merchant category code of 6540 (such as but not limited to Lazada Top Up, PayMaya Add Money, Shopee Pay, GrabPay) found in Metrobank’s database are excluded from this promotion.

22. All terms and conditions relating to the use of Universal Giftaway eGCs redemption indicated in the Giftaway redemption portal shall apply. Any dispute related to the use of the Universal Giftaway shall be coursed through Giftaway and Metrobank.

23. The promo is non-transferrable, non-cumulative, cannot be exchanged for cash or other products and cannot be used in conjunction with any other discounts, promotions of both Metrobank and the merchant, fixed price items, unless otherwise provided.

24. The incentive cost equivalent is VALID in conjunction with any ongoing promos.

25. Metrobank will not oblige to the cardholder’s request of extending the redemption and validity period of the token code once sixty (60) calendar days has passed. All questions and issues will only be accepted within sixty (60) calendar days after the end of the promo period or not later than March 14, 2026, after which, Metrobank will no longer entertain disputes and / or requests.

26. A cardholder and his or her transaction/s will be disqualified from the promo if his or her Metrobank credit card becomes past due, delinquent, suspended, cancelled or terminated before the release of the eGCs.

27. Any concern of the cardholder in relation to his or her card account or this promo shall not be a valid excuse for the cardholder to refuse payment of his or her outstanding balances. Metrobank will not be liable on the accrued charges to his or her account.

28. Any dispute concerning the products or services purchased in relation to the promo shall be settled directly between the cardholder and the merchant, with the concurrence of the DTI. Metrobank shall be free from any liability in the event of such dispute.

29. 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 promo due to disputes arising from erroneous, invalid, fraudulent or unauthorized transactions, the cost of the eGCs shall be charged by Metrobank to the cardholder’s credit card account.

30. All questions regarding the cardholder’s eligibility to this promo shall be resolved by Metrobank, with the concurrence of DTI.

31. The use of Metrobank credit card in connection with this promo is subject to the Terms and Conditions governing the issuance and use of Metrobank credit cards.

32. 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.

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

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