0% installment at Our Home

The Promotion is applicable to all Metrobank Peso Visa/Mastercard, Metrobank Vantage Visa/Mastercard, M Mastercard, Titanium Mastercard, Platinum Mastercard, World Mastercard, PSBank Credit Mastercard, Toyota Mastercard,Toyota Platinum Mastercard, Robinsons Mastercard, ON Virtual Mastercard, Rewards Plus Visa, Travel Signature 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, and Prepaid cards.  

The promo period is from January 2, 2026 to June 30, 2026.  

Enjoy 0% installment up to 24 months plus, Shop Now, Pay Later up to 90 days after using your Metrobank credit card at Our Home. Available in tenors of 3, 6, 12, and 24 months.  Minimum single-receipt purchase of P3,000 is required. 

All 0% Shop Now Pay Later transactions will be billed to the cardholders account starting the third (3rd) statement cycle based on the original Shop Now Pay Later transaction date and every month thereafter until the total amount payable is paid in full. 

To further illustrate: 

• If purchase is made before cut-off date, billing will be deferred for 2 months. 

• If purchase is made after cut-off date, billing will be deferred for 3 months. 

The promo is valid at the following Our Home branches:

• OUR HOME SM BACOLOD

• OUR HOME SM BACOOR

• OUR HOME SM BAGUIO

• OUR HOME SM BATANGAS

• OUR HOME SM BF PQUE

• OUR HOME SM CABANATUAN

• OUR HOME SM CDO

• OUR HOME SM CDO DOWNTOWN

• OUR HOME SM CEBU

• OUR HOME SM CITY BUTUAN

• OUR HOME SM CITY DAVAO

• OUR HOME SM CLARK

• OUR HOME SM DASMARINAS

• OUR HOME SM FAIRVIEW

• OUR HOME SM GRAND CENTRAL

• OUR HOME SM ILOILO

• OUR HOME SM LANANG

• OUR HOME SM LEGAZPI

• OUR HOME SM LUCENA

• OUR HOME SM MARILAO

• OUR HOME SM MEGAMALL

• OUR HOME SM MOA

• OUR HOME SM OLONGAPO CENTRAL

• OUR HOME SM PAMPANGA

• OUR HOME SM SAN LAZARO

• OUR HOME SM SEASIDE CEBU

• OUR HOME SM SOUTHMALL

• OUR HOME SM STA. ROSA

• OUR HOME SM TUGUEGARAO

• OUR HOME SM URDANETA

• OUR HOME THE BLOCK

• OUR HOME VMALL GHILLS

Full installment amount purchased shall be deducted from the cardholder’s available 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 and only valid if monthly dues are paid in full.  

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

Any dispute concerning the products or services, including pricing, related to the promo shall be settled directly between the cardholder and merchant, with the concurrence of the DTI. Metrobank shall be  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. 

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.  

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 inquiries or concerns, please call our Metrobank Contact Center at (02)88-700-700 (domestic toll-free 1-800-1888-5775) or send an e-mail to customerservice@metrobankcard.com. 

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