Metrobank’s credit card interest rates and fees
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Find detailed information on Metrobank credit card fees and charges, including interest rates, annual fees, and other applicable charges.
Titanium Mastercard®
| Types of Fees | Titanium Mastercard® |
| Annual Fee - Primary | 2,500 (waived on 1st Year) |
| Annual Fee - Supplementary | PHP 1,500 (Free for life on the 1st Supplementary) |
| Statement and Certification Fees | PHP 100 per request for reprinting and delivery of monthly statement |
| Bank Certificate Fee | PHP 100 per copy and delivery of bank certificate |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 2.50% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
Rewards Plus Visa
| Types of Fees | Rewards Plus Visa |
| Annual Fee - Primary | 2,500 (waived on 1st Year) |
| Annual Fee - Supplementary | PHP 1,500 (Free for life on the 1st Supplementary) |
| Statement and Certification Fees | PHP 100 per request for reprinting and delivery of monthly statement |
| Bank Certificate Fee | PHP 100 per copy and delivery of bank certificate |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 2.50% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
Toyota Card
| Types of Fees | Toyota Card |
| Annual Fee - Primary | 2,500 (waived on 1st Year) |
| Annual Fee - Supplementary | PHP 1,250 (Free for life on the 1st Supplementary) |
| Statement and Certification Fees | PHP 100 per request for reprinting and delivery of monthly statement |
| Bank Certificate Fee | PHP 100 per copy and delivery of bank certificate |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 2.50% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
Toyota Platinum Card
| Types of Fees | Toyota Platinum Card |
| Annual Fee - Primary | 2,800 (waived on 1st Year) |
| Annual Fee - Supplementary | 1,400 (FREE for life on the first two Supplementary) |
| Statement and Certification Fees | Free of Charge |
| Bank Certificate Fee | Free of Charge |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 2.50% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction. |
Cashback Visa
| Types of Fees | Cashback Visa |
| Annual Fee - Primary | 3,500 (waived on 1st Year) |
| Annual Fee - Supplementary | PHP 1,750 (Free for life on the 1st Supplementary) |
| Statement and Certification Fees | PHP 100 per request for reprinting and delivery of monthly statement |
| Bank Certificate Fee | PHP 100 per copy and delivery of bank certificate |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 2.50% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
Platinum Mastercard®
| Types of Fees | Platinum Mastercard® |
| Annual Fee - Primary | 5,000 (waived on 1st Year) |
| Annual Fee - Supplementary | PHP 2,500 (Free for life on the First Two Supplementary) |
| Statement and Certification Fees | Free of Charge |
| Bank Certificate Fee | Free of Charge |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 2.50% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
Travel Platinum Visa
| Types of Fees | Travel Platinum Visa |
| Annual Fee - Primary | 5,000 (waived on 1st Year) |
| Annual Fee - Supplementary | PHP 2,500 (Free for life on the First Two Supplementary) |
| Statement and Certification Fees | Free of Charge |
| Bank Certificate Fee | Free of Charge |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 2.50% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
Femme Signature Visa
| Types of Fees | Femme Signature Visa |
| Annual Fee - Primary | 5,000 (waived on 1st Year) |
| Annual Fee - Supplementary | PHP 2,500 (Free for life on the First Two Supplementary) |
| Statement and Certification Fees | Free of Charge |
| Bank Certificate Fee | Free of Charge |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 2.50% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
World Mastercard®
| Types of Fees | World Mastercard® |
| Annual Fee - Primary | 6,000 (waived on 1st Year) |
| Annual Fee - Supplementary | PHP 3,000 (Free for life on the First Two Supplementary) |
| Statement and Certification Fees | Free of Charge |
| Bank Certificate Fee | Free of Charge |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 0.85% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
PSBank Credit Mastercard®
| Types of Fees | PSBank Credit Mastercard® |
| Annual Fee - Primary | Perpetually Waived |
| Annual Fee - Supplementary | Perpetually Waived |
| Statement and Certification Fees | PHP 100 per request for reprinting and delivery of monthly statement |
| Bank Certificate Fee | PHP 100 per copy and delivery of bank certificate |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 2.5%% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
M Free Mastercard®
| Types of Fees | M Free Mastercard® |
| Annual Fee - Primary | Perpetually Waived |
| Annual Fee - Supplementary | Perpetually Waived |
| Statement and Certification Fees | PHP 100 per request for reprinting and delivery of monthly statement |
| Bank Certificate Fee | PHP 100 per copy and delivery of bank certificate |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 2.5%% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
Travel Signature Visa
| Types of Fees | Travel Signature Visa |
| Annual Fee - Primary | 5,500 (waived on 1st Year) |
| Annual Fee - Supplementary | PHP 2,750 (Free for life on the First Two Supplementary) |
| Statement and Certification Fees | Free of Charge |
| Bank Certificate Fee | Free of Charge |
| Retail Monthly Interest Rate / Finance Charge | 3% Monthly Interest Rate or 36% Annually |
| Cash Advance Monthly Interest Rate | 3% Monthly Interest Rate to be computed from the date when cash advance was availed |
| Card Replacement Fee | PHP 400 for every card replacement |
| Minimum Amount Due | PHP 1,000 or 3.5% of outstanding balance as of statement date plus overlimit amount and past due amount, whichever is higher |
| Late Charge | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | PHP 750 per occurrence |
| Cash Advance Fee | PHP 200 per transaction regardless of the cash advance amount |
| Installment Pre-termination Fee | 5% of the remaining principal balance or PHP 550 whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. |
| Gaming Services Transaction Fee | 5% of the amount transacted |
| Refund Fee | 1% of the refund amount or PHP 100, whichever is higher, for every refund request |
| Installment Processing Fee | For every approved installment: PHP 350 for Cash2Go* or Balance Transfer; PHP 500 for Balance Conversion; PHP 250 for Quick Cash. |
| Returned Check Fee | PHP 1,500 for every returned check |
| Returned Document Fee | PHP 300 |
| Cross Border Service Fee | 1.00% |
| Forex Processing Fee | 0.68% |
| Paynow Transaction fee | PHP 25 or 1.5% of the transacted amount whichever is higher. The Paynow service is available through the Metrobank App, when a Metrobank credit card is selected as a source account on a send money transaction and through Metrobank Interactive Assistant (MIA) Chatbot of Metrobank Card via Facebook Messenger. |
*not applicable to PSBank Credit Mastercard
Update as of March 11, 2026.
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