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Balance Conversion

<p>Convert purchases from your Metrobank credit card into manageable installments. This is ideal for managing large balances with structured payment terms to help maintain your financial stability.</p>

Metrobank offers fixed installment terms from 3 to 60 months, allowing you to plan your finances without unexpected changes in payment amounts.

Fixed payment terms

Balance Conversion allows you to convert big purchases into manageable monthly installments. A simplified and affordable payment option!

Lower monthly payments

Transform your outstanding balances into manageable installment payments to help you stay on track and reduce the stress of managing big purchases.

Easier debt management

<h1><span style="background: linear-gradient(76.66deg, #0357ff 10.45%, #ac30ff 54.85%); color: transparent; background-clip: text;">Balance Conversion</span></h1>

<div class="py-10 lg:py-16 flex flex-col items-center justify-center text-center">
<div class="styles_subtitle__2tOa9">Use the Metrobank Balance Conversion calculator to estimate your monthly payments and overall costs effectively.</div>
</div>

<ul>
<li>To qualify, you must be an active Metrobank cardholder for at least six (6) months and in good credit standing. The minimum transaction amount is PHP 6,000.</li>
</ul>

<ul>
<li>Apply through the Metrobank hotline at (02) 88-700-919 or via the Metrobank app. All applications are subject to credit evaluation and approval.</li>
</ul>

<ul>
<li>Affordable rates of up to 1% add-on rate per month for 3-60 monthly installments. A non-refundable processing fee of PHP 500 applies on approved Balance Conversion applications. You may refer to the table below for the sample computation on chosen payment term:<br /><br />
<table border="1" style="border-collapse: collapse;">
<tbody>
<tr>
<th>Tenor</th>
<th>PHP 50,000</th>
<th>PHP 70,000</th>
<th>PHP 100,000</th>
<th>Monthly Add-on Rate</th>
<th>
<p>Effective Annual<br />Interest Rate</p>
</th>
</tr>
<tr>
<td class="my-auto">3</td>
<td class="my-auto">PHP 17,166.67</td>
<td class="my-auto">PHP 24,033.33</td>
<td class="my-auto">PHP 34,333.33</td>
<td class="my-auto">1.00%</td>
<td class="my-auto">17.912%</td>
</tr>
<tr>
<td class="my-auto">6</td>
<td class="my-auto">PHP 8,833.33</td>
<td class="my-auto">PHP 12,366.67</td>
<td class="my-auto">PHP 17,666.67</td>
<td class="my-auto">1.00%</td>
<td class="my-auto">20.288%</td>
</tr>
<tr>
<td class="my-auto">9</td>
<td class="my-auto">PHP 6,055.56</td>
<td class="my-auto">PHP 8,477.78</td>
<td class="my-auto">PHP 12,111.11</td>
<td class="my-auto">1.00%</td>
<td class="my-auto">21.109%</td>
</tr>
<tr>
<td class="my-auto">12</td>
<td class="my-auto">PHP 4,666.67</td>
<td class="my-auto">PHP 6,533.33</td>
<td class="my-auto">PHP 9,333.33</td>
<td class="my-auto">1.00%</td>
<td class="my-auto">21.457%</td>
</tr>
<tr>
<td class="my-auto">18</td>
<td class="my-auto">PHP 3,277.78</td>
<td class="my-auto">PHP 4,588.89</td>
<td class="my-auto">PHP 6,555.56</td>
<td class="my-auto">1.00%</td>
<td class="my-auto">21.643%</td>
</tr>
<tr>
<td class="my-auto">24</td>
<td class="my-auto">PHP 2,583.33</td>
<td class="my-auto">PHP 3,616,67</td>
<td class="my-auto">PHP 5,166.67</td>
<td class="my-auto">1.00%</td>
<td class="my-auto">21.571%</td>
</tr>
<tr>
<td class="my-auto">36</td>
<td class="my-auto">PHP 1,888.89</td>
<td class="my-auto">PHP 2,644.44</td>
<td class="my-auto">PHP 3,777.78</td>
<td class="my-auto">1.00%</td>
<td class="my-auto">21.200%</td>
</tr>
<tr>
<td class="my-auto">48</td>
<td class="my-auto">PHP 1,541.67</td>
<td class="my-auto">PHP 2,158.33</td>
<td class="my-auto">PHP 3,083.33</td>
<td class="my-auto">1.00%</td>
<td class="my-auto">20.754%</td>
</tr>
<tr>
<td class="my-auto">60</td>
<td class="my-auto">PHP 1,333.33</td>
<td class="my-auto">PHP 1,866.67</td>
<td class="my-auto">PHP 2,666,67</td>
<td class="my-auto">1.00%</td>
<td class="my-auto">20.310%</td>
</tr>
</tbody>
</table>
</li>
</ul>
<p>*Monthly amortization amount may not be equal to the actual billing amount due to rounding off.</p>

Understanding the essentials of the Metrobank Balance Conversion service can help you manage your finances effectively.

<h2><span style="background: linear-gradient(76.66deg, #93A8FF 10.45%, #90EEFF 54.85%); color: transparent; background-clip: text;">Things to Know</span></h2>

<h2><span style="background: linear-gradient(76.66deg, #0357ff 10.45%, #ac30ff 54.85%); color: transparent; background-clip: text;">Things to Know</span></h2>

<p>Take control of your finances&mdash;apply for Metrobank's credit card Balance Conversion service today and start managing your payments more effectively!</p>

<h2>Turn big purchases into light installments</h2>

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<p>For inquiries, you may call our Metrobank Contact Center at (02) 88-700-700, or our domestic toll-free number at 1-800-1888-5775, or send an e-mail to <a href="mailto:customercare@metrobank.com.ph">customercare@metrobank.com.ph</a></p>

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Balance Conversion

Fixed payment terms

Lower monthly payments

Easier debt management

Metrobank Balance Conversion Calculator

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Things to Know

Turn big purchases into light installments

Keep exploring

Balance Transfer

Cash2Go

Bills2Pay

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