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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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
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 350 for 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 up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
Metrobank Dollar Mastercard®
| Types of Fees | Metrobank Dollar Mastercard® |
| Annual Fee (Principal) | USD80 (waived on the 1st Year) |
| Annual Fee (Supplementary) | USD40 (waived on the 1st Year) |
| 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 |
| Cash Advance Fee | USD4 per transaction regardless of the cash advance amount |
| Minimum Amount Due | The sum of the (A) outstanding balance as of statement date (which is equal to Total Amount due less overlimit amount less past due amount) multiplied by 3.5% plus, (B) any amount in excess of the approved credit limit plus, (C) all past due amounts, if any, or USD20, whichever is higher. |
| Late Payment Fee | USD20 or Unpaid Minimum Amount Due (MAD), whichever is lower |
| Overlimit Fee | USD15 per occurrence |
| Refund Fee | 1% of the refund amount or USD2, whichever is higher, for every refund request |
| Card Replacement Fee | USD10 for every card replacement |
| Account Maintenance Fee | USD4 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to closed or active accounts with overpayments and have no activity for the past 12 months until the credit balance is zeroed out |
| Gaming Fee | 5% of the amount transacted |
| Foreign Exchange Transactions | Metrobank shall automatically convert all charges, advances, credit adjustments, or amounts arising from transactions denominated in foreign currency to Philippine Peso or to US Dollar for US Dollar Credit Cards. All transactions made in foreign currency denomination to be billed in Philippines Peso shall be converted using Mastercard or Visa’s currency conversion rate at the time of posting. All converted transactions shall be charged a Cross Border Service Fee plus Forex Processing Fee for Peso Credit Cards or Forex Processing Fee for USD Dollar Credit Cards, the rates of which may be adjusted from time to time upon notice. The Cross Border Service Fee represents the costs incurred to process the payment for the foreign currency transactions through the Card Network (i.e. Visa, Mastercard), acquiring bank and/or foreign merchant affiliates. The Forex Processing Fee represents the costs needed by Metrobank to internally process the foreign currency transactions. The Cross Border Service Fee shall likewise apply to transactions involving foreign currencies converted to Philippine Peso (PHP) at point of sale, whether executed in the Philippines, abroad, or online. The said fees will not be automatically reversed in case of transaction refund. |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
ICON
| Types of Fees | ICON |
|---|---|
| Annual Fee - Primary | PHP 28,000 |
| Annual Fee - Supplementary | PHP 14,000 FREE for life on two supplementary cards |
| Statement and Certification Fees | FREE |
| Bank Certificate Fee | FREE |
| 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 6,500 for every card replacement |
| Minimum Amount Due | The sum of the (A) outstanding balance as of statement date (which is equal to Total Amount due less overlimit amount less past due amount) multiplied by 3.5% plus, (B) any amount in excess of the approved credit limit plus, (C) all past due amounts, if any, or PHP1,000, 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 | PHP 550 or 5% of the remaining principal balance, whichever is higher |
| Account Maintenance Fee | PHP 200 or an amount equivalent to the credit balance, whichever is lower, will be charged monthly to closed or active accounts with overpayments and 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 PHP100, 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 | PHP1,500 for every returned check |
| Returned Document Fee | - |
| Cross Border Service Fee | 1% |
| Forex Processing Fee | 0% |
| PayNow Processing Fee |
PHP 25 or up to 1.5% of the transacted amount, whichever is higher. The PayNow service is available through the Metrobank App, when a |
| Quasi-cash Fee | 5% fee on the transacted amount (Effective August 15, 2026, beginning with Maya 'Cash-In' and/or 'Add Money' transactions) |
Update as of May 28, 2026.
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