Thank you for visiting this page. You’re on your way to being more card savvy!

    Metrobank helps you maximize the benefits of owning your credit card by knowing more about the responsibilities associated with it.

    What’s in the fine print?
    Reading the full terms and conditions associated with any credit card can seem daunting. We have come up with bite-sized tidbits that will help you understand your credit card better.

    General Information on Credit Card Services

  • What is a credit card?
    A credit card is a tool that consumers use to purchase products or avail of services without using cash. It’s relatively safe and can be used as an effective way to track your expenses. We use credit cards to meet a wide range of needs: we swipe them for everyday transactions (e.g. medicines, groceries, gasoline) and for other purchases that reflect our unique lifestyle.

    Quick Tips
    Live within your means. This basic tip is your first step to financial freedom. Staying within your credit limit keeps overlimit fees at bay.
  • What can I do to obtain credit?
    Many think it’s just a matter of filling out an application form. But there’s more to obtaining credit than that. To make sure that we continue to offer the best to our clients, credit card companies evaluate credit card applications seriously. Aside from the expected verification to screen fraudulent applications and misrepresentations, credit card companies check if card applicants have a history of poor payment and behavior with other financial institutions.

    Quick Tips
    1. Always pay all your credit card bills on time to maintain your good credit rating.
    2. Your chances of obtaining a credit card can improve if you have a long-standing relationship with any of the Metrobank branches nationwide.
  • How would I know the status of my credit card application?
    Upon submission of your fully accomplished application form and requirements, your credit card application will be evaluated and processed within 2-3 weeks. To check the status of your application, you may call our 24-Hour Customer Service Hotline at 88-700-700 or via the Domestic Toll-free number at 1-800-1-888-5775. You may also send a message via email at [email protected].

    Quick Tips
    Submission of completely filled-out application form and required documents would definitely hasten the application process. Please check this link for your reference:
  • What is a supplementary card?
    Supplementary is a credit card privilege extended by the principal cardholder to any person with a minimum age requirement of 14 years old. You may share the full amount of the credit limit or control the purchases by assigning a sublimit. Application may be processed by submitting a signed supplementary application form and valid ID via at [email protected] or fax at 858-8890-91.

  • Managing Credit Card Transactions
  • How can I better monitor my credit card transactions?
    A "Statement of Account" (SOA) is a summary of all your credit card transactions within a specified cutoff. Your SOA is generated every month and is delivered to your designated billing address at least a week before your due date. Too busy to wait for your SOA to arrive in the mail? Here are free facilities available to our valued cardholders allowing you to view and manage your credit card transactions electronically. 

    Enroll in MSOA
    Spend most of your time online checking emails? Enroll your credit card in MSOA and have your electronic SOA sent straight to your preferred email address. Call 88-700-700 today to apply. All you need is a valid email address! 

    Enroll in MBdirect
    Maintain a bank account with Metrobank and have a Metrobank credit card? Now you can view both your SOA and your bank account details online through MBdirect. Enroll by visiting Metrobank’s website at

    Enroll in M Online
    Your Statement of account can now be viewed at our website via M Online. Enroll by visiting our website at

    Quick Tips
    1. Always keep your transaction slips for reference to help you recognize and validate transactions posted in your SOA.
    2. Know your cut-off dates to effectively manage posting of your credit card transactions.
    3. Use only one credit card to avoid confusion especially on your due dates.
  • How can I pay for my credit card?
    There are many convenient ways of paying for your credit card. If you have a Metrobank account, you may enroll in the free Auto-Debit Arrangement or avail of the complimentary Metrobank Direct service. You may also pay using any ATM in the Philippines, by over the counter at any Metrobank or PS Bank nationwide, or through payment boxes strategically located in Metro Manila. Please pay days ahead if you wish to settle using a check. For inquiries, email [email protected].
  • When is the best time to settle my credit card dues?
    To avoid late payment fees and other charges, credit card payments should be made on or before your due date. If your Payment Due Date falls on a holiday or weekend, please pay on or before the last banking day of your due date.
  • Maximize the convenience of having multiple payment options
    Pay your Metrobank credit card bill through any of the channels listed at
  • What are the guidelines for paying in check?
    Effective January 20, 2017, local and regional checks shall be cleared from 3 to 1 day/s due to the adoption of the electronic clearing process of checks. Please consider the Payment Center check clearing cut-off schedule.

    When paying your credit card in check, remember to indicate the following:
    1. Date – standard date format example: January 2, 2020 or 2 January 2020 or 01/02/2020 or 01/02/20
    2. Payee – should be made payable to METROPOLITAN BANK & TRUST COMPANY OR METROBANK.
    3. Credit card information – Indicate the card number and contact number at the back of your check.
    4. Amount payable in figures – Check the amount and currency sign.
    5. Amount payable in words – Check misspellings and make sure to add the word “only” at the end.
    6. Signature of the Drawer/s – Do not forget to affix your signature.

    Make sure that the check you issued has no erasures or corrections. Otherwise, it will not be accepted for payment or will be rejected for clearing. Effective January 4, 2016, all issued checks with erasure will no longer be accepted for receipt and clearing by banks per the updated Clearing House Rules and Regulations.
  • How can I check my available credit limit?
    Aside from calling the 24-Hour Customer Service Hotline, you may also check your available credit limit via our online channels at

    Quick Tips
    Knowing your credit limit will also help you plan your transactions. This would also save you from the inconvenience of a declined transaction or billing of overlimit fee.
  • Can I get cash using my credit card?
    Yes. Sometimes, you need cash to whip up a big event. Whether you need cash for tuition fees, pocket money for a trip, or even plumbing work at home, you can get cash instantly. Take note, however, that the amount you request should be within your credit limit.

    Quick Tips
    1. Avail of Cash2Go. You may apply over the counter or by calling 88-700-700. This cash installment plan gives you a wide range of options in terms of tenors and interest rates.
    2. Avail of Cash Advance. Using your Metrobank QuickPIN, you may get instant cash at any Metrobank ATM or any ATM with Mastercard/Visa symbol here and abroad.
  • Can I pay for my utility bills using my credit card?
    Yes. With so many bills you need to pay every month, Bills2Pay is the simplest time saver. You can forget about lining up to pay for all your utilities (including electricity) and telephone bills. Memorizing multiple due dates can be a thing of the past.

    Quick Tips
    Enroll your utility bills in Bills2Pay. You can spend less time falling in line and have more time for the activities that truly matter to you. Call 88-700-700 today for enrollment.

  • Credit Card Charges
  • What fees are charged by maintaining a credit card?
    “Yes. Metrobank credit cards are subject to Annual Membership Fees. The fees are billed to the account a month from the anniversary date of the credit card account.

    e.g. Your card was approved on January 1, 2012 and your account’s statement cut-off is every 10th of the month. The following year, your annual membership fee will be billed on your February 10, 2013 statement cut-off.

    Visit the Cards section of this website to know the corresponding annual fees per Metrobank credit card product type.
  • Do credit cards have any hidden charges?
    No. The terms and conditions that come with your credit card lists down the charges that may apply to your account. Most cardholders like you inquire about Finance Charges or Interest (the amount charged to your account when you decide not to pay the full amount reflected in your billing statement), Overlimit Fees (which are charged to your account when your transaction goes over your available credit limit) and Multiple Payment Fee (charged to your account when you settle your account balance in excess of two within the same calendar month).

    Quick Tips
    1. Always pay in full and on time.
    2. You can check your balance, cut off and due dates through Metrobank – Cards and Personal Credit’s Text and Online services. These free paperless features save lots of trees!
    3. You can apply for M Lite Mastercard, the credit card that charges one of the lowest interest rates in the market today.
  • Can I pay in installment at no interest?
    Yes. The solution you are looking for is 0% installment. With this option, you can bring home your purchase and pay for it in up to 12 months at no interest whatsoever.

    Quick Tips
    You can relax when you see the 0% Installment logo at your favorite shop. Metrobank’s partners – over hundreds of merchant establishments around the country – offer this feature.
  • How are interest fees computed?
    If the Card Member opts to pay the Minimum Amount Due or any amount less than the Total Amount Due, the Card Member agrees to pay the finance charge and other charges, as provided by Metropolitan Bank and Trust Company (Metrobank), plus any applicable taxes and charges required by the government on such charges. The finance charge, at Metrobank’s prevailing rate, will be computed based on the unpaid balance as of the given cut-off date and shall continue to be imposed until the outstanding balance and applicable interest are fully paid. Interest will be computed as follows:

    Card Member’s previous outstanding balance as reflected in the current Statement of Account (SOA) computed from a day after the cut-off of the previous SOA to a day before the payment transaction date, plus Card Member’s previous outstanding balance less payment/s made and any credit adjustments computed from the payment transaction date to the beginning of the next statement cut-off.

    Interest on Cash Advances are computed from the transaction date to the next statement date.

  • Other Important Information When Using Your Credit Card
  • Promotional call, collection call, and security alert call: what’s the difference?
    As part of our commitment to serve you better, you may from time to time receive several calls to keep you informed about our products and services, and to ensure that your accounts remain secure.

    Security Alert Calls
    From time to time, you may receive calls confirming and validating a particular transaction you have made. Don’t worry. This is a security measure to prevent any unauthorized transactions.

    Promotional Calls
    Promotional calls are conducted by our Telesales agents for select cardholders to know more about our exclusive programs and offers. These sales offers are designed to fit your busy lifestyle and varying financial requirements.

    Collections Calls
    Collections calls are made to remind you of payment-related concerns. These are meant to provide you with information in case you missed or overlooked your due dates. That way, you can continue to enjoy using your credit card.

    Quick Tips
    1. Our Telesales Team will not ask you to surrender your existing credit cards or ask monetary compensation for facilitating processing of product and services. Beware of modus operandi for Credit Card Fraud.
    2. Sometimes, our Fraud Management Unit may arrange to have your credit card account replaced, depending on levels of risk identified by our system which may lead to unauthorized transactions.
    3. Notify us of changes in your contact information by calling our Customer Service Hotline at 88-700-700.
  • Can I use my credit card overseas?
    Mastercard and Visa cards are accepted in over 40 million establishments worldwide. Look for the logo. Inform us of your travel plans to ensure that the card transactions made within and outside the country are valid and authorized by you. Call our customer service hotline prior to your departure so we can assist you in all your travel-related card transaction inquiries. Please provide us with your travel date and destination for our reference and monitoring.

    Quick Tip
    Let us know of your travel itinerary for ease and convenient shopping abroad.
  • How are foreign currency transactions billed in my credit card?
    All charges, advances, or amounts in currencies other than Philippine Peso (PHP) shall be converted to PHP. Transactions in US Dollar, Hong Kong Dollar, Japanese Yen, Euro, Singapore Dollar, Australian Dollar, British Pound, Canadian Dollar, Chinese Yuan+, Swiss Francs+ and Danish Kroner+ shall be converted using the foreign exchange selling rate of Metropolitan Bank and Trust Company on transaction posting date. Transactions denominated in currencies other than the aforementioned shall be converted using Mastercard/Visa’s currency conversion rate at the time of posting. All converted transactions shall be charged Mastercard/Visa’s assessment fee plus 2.5% processing fee, the rate of which may be adjusted from time to time. The assessment fee shall likewise apply to transactions involving foreign currencies converted to PHP at point of sale, whether executed in the Philippines, abroad, or online. Service fees may also be charged to cover costs incurred to discharge the amount(s) due Mastercard/Visa and/or acquiring bank and/or foreign merchant affiliates.

    +Effective July 15, 2019
  • What can I get out of my earned Rewards Points?
    A wide variety of selection is available for you to redeem your earned rewards points. To redeem, click on this link

    Quick Tip
    You may save and use your earned rewards points to reverse your annual membership fee. This could also be used to show your support to the causes of ICANSERVE Foundation Inc. and Metrobank Foundation.

  • Yazz Prepaid Visa Card
  • What is Yazz Prepaid card?
    The Yazz Prepaid Card is a reloadable general purpose prepaid VISA card that you may use as much as you load. You may buy and register the card for only PHP300.00 from our Merchant Partners, SM Business Centers, Family Mart Convenience Stores, select CDR-King Stores, and National Bookstores nationwide. You may also load it from these partner stores, as well as Robinsons Business Centers. 

    To load the card, simply provide your card number and the amount that you want to be loaded. There is a loading fee of PHP20.00 per load transaction. Once the card is loaded, you may use it wherever VISA is accepted like major supermarkets, restaurants, and other stores. The YAZZ Card can also be used for online purchases such as buying airline tickets or shopping on online stores. You may also withdraw the cash loaded on the card through any Metrobank and PSBANK ATMs with a withdrawal fee of PHP20.00 upon successful nomination of your ATM PIN via the Yazz Customer Service team. For more information, you may call our Yazz Customer Service Hotline at (02) 8737 3333 or 0918 909 3333 or send them an email at  [email protected]. You may also visit

    Want to know more about YAZZ Card? Like them on Facebook, follow them on Twitter and Instagram – @YAZZCARDPH.
  • What is the difference of Yazz Prepaid card from Metrobank credit card products?
    Both Metrobank credit cards and YAZZ Prepaid card can be used in physical and online stores. The amount that you can use for transaction for YAZZ Prepaid cards should be equivalent to the amount you have reloaded for the card, while credit card transactions should be within the card’s available credit limit. Metrobank credit cards can be used for installment transactions, while YAZZ Prepaid is limited to straight purchases only. Both cards are powered by Metropolitan Bank & Trust Company (Metrobank).