​Get a chance to win PHP 1 MILLION CASHBACK

PROMO HIGHLIGHTS

Promo Offers

• Main Promo: Qualified Metrobank credit cardholder can earn up to PHP 6,000 CASHBACK upon meeting the required spend threshold PLUS a chance to win PHP 1,000,000 CASHBACK: 
  
  • All straight transactions including PayBills (local and international, card present and card not present)
    • Minimum spend of PHP 1,000 per transaction to qualify
    • Earn 1 raffle entry for EVERY PHP 1,000 spend
    • Accumulated spend tiers:
  • PayNow
    • 1 raffle entry per transaction. Minimum spend of PHP 10,000 per transaction.
• Bonus round for digital wallets via Apple Pay
  • Minimum spend of PHP 200 to qualify. Transaction must be via Apple Pay
  • Earn PHP 300 cashback after 30 qualified Apple Pay transactions. Maximum of PHP 300 per cardholder.

Registration: To qualify for the promo, the principal Metrobank credit cardholder must register by following below steps:

• The principal credit cardholder must register by visiting the registration page: https://metrobankcard.mymcc.gift
• Enter the mobile number registered with your Metrobank credit card account.
• Under Available Promos, select “2026 Q4 Have a Merry Million” and enter the mobile number.
• Metrobank will send an SMS confirming successful registration. If no confirmation SMS is received within the day, the registration is unsuccessful.
• Note: The registration page will only ask for the cardholder’s mobile number and the Registration/Verification Code sent to the mobile number. Metrobank and Giftaway will never ask for the card number, expiry date, CVV, OTP or other card details via links or web pages found in e-mail, SMS or phone calls.
• Only transactions made after successful registration will qualify towards the total accumulated spend amount and raffle entries.

Dates to remember:

• Promo Period: October 23, 2026 to January 22, 2027
• Cashback claim period: November 10, 2026 to March 23, 2027
• 1Million raffle draw: February 5, 2027 (Friday)

Crediting of Cashback

• To claim cashback through Giftaway:
  • Visit https://metrobankcard.mymcc.gift
  • Enter the mobile number registered with your Metrobank credit card account.
  • Under Joined Promos, select “2026 Q4 Have a Merry Million” and click Check Progress.
  • Click Claim for the eligible cashback reward.
• Principal credit cardholders can claim their rewards from November 10, 2026 to March 23, 2027 only.
• Principal credit cardholders who successfully claimed their cashback rewards will receive their cashback on or before April 22, 2027.

Posting of transactions on the Giftaway website

• The Giftaway tracker will be available from November 10, 2026. It will show posted qualified transactions, accumulated spend, raffle entries and qualified Apple Pay transaction count. The Claim button will be available during the cashback claim period.
• Only the principal cardholder may access the tracker. Earlier qualified transactions will appear when the tracker launches. Later transactions will appear within seven (7) to ten (10) banking days after posting in Metrobank’s system.

Change in mobile number

If a cardholder changes and/or updates his/her mobile number after successful registration, it is the responsibility of the cardholder to inform Metrobank by calling our Metrobank Customer Service Hotline at (02) 88-700-700 that he/she changed and/or updated his/her mobile number and would like to register his/her new mobile number. The same applies for new cardholders that have activated their credit card for the first time within the promo period.

PROMO MECHANICS

1. The promo is applicable to all Metrobank ICON, World Mastercard, Travel Signature Visa, Femme Signature Visa, Platinum Mastercard, Travel Platinum Visa, Cashback Platinum Visa, Titanium Mastercard, Rewards Plus Visa, Toyota Mastercard, Toyota Platinum Mastercard, M’ Free Mastercard, PSBank Mastercard, Femme Visa, Hype Visa & Mastercard (formerly Vantage Visa & Mastercard), NCCC Card, Puregold Card and M’ Lite Mastercard in good credit standing only. 
2. The promo is not applicable to Metrobank Corporate Cards, Metrobank Dollar Mastercard, Metrobank Dealer Financing, Metrobank Debit Cards, and Prepaid Cards. 
3. The promo runs from October 23, 2026 to January 22, 2027. Cardholders may claim cashback from November 10, 2026 to March 23, 2027. Claimed cashback will be on or before April 22, 2027. 
4. Main Promo: Qualified Metrobank credit cardholder can earn up to PHP 6,000 CASHBACK upon meeting the required spend threshold PLUS a chance to win PHP 1,000,000 CASHBACK.
   
   

   For local and international straight transactions, including PayBills:
   

   • A minimum single-receipt spend of PHP 1,000 is required.
   • Qualified transactions include local and international straight transactions, including PayBills.
   • Earn one (1) raffle entry for every whole PHP 1,000 spent on each qualified transaction. Any amount below the next PHP 1,000 increment does not earn an additional entry.
   • Metrobank credit cardholders who meet the following accumulated spend tiers will earn the corresponding cashback reward:

   
   For PayNow Transactions
   Earn one (1) raffle entry for each qualified PayNow transaction of at least PHP 10,000 in a single receipt, regardless of the transaction amount. Transfers to the cardholder’s own account do not qualify. PayNow transactions do not count toward accumulated spend.

5. Bonus Round: Qualified cardholders may earn additional cashback for local and international straight transactions via Apple Pay
   • A minimum single-receipt spend of PHP 200 is required for each qualified transaction.
   • Earn PHP 300 cashback after thirty (30) qualified Apple Pay transactions. The maximum cashback for the bonus round is capped at 1x per customer only.
   • Apple Pay transactions of at least PHP 1,000 also earn Main Promo raffle entries and count toward accumulated spend, subject to the Main Promo requirements.
6. Cashback is not automatically credited. Qualified cardholders must claim their accumulated-spend and digital wallet cashback from November 10, 2026 to March 23, 2027 via https://metrobankcard.mymcc.gift or SMS, where available. Unclaimed cashback will be forfeited.
7. To claim cashback through Giftaway:
   a. Visit https://metrobankcard.mymcc.gift
   
   b. Enter the mobile number registered with your Metrobank credit card account.
   
   c. Under Joined Promos, select “2026 Q4 Have a Merry Million” and click Check Progress.
   
   d. Click Claim for the eligible cashback reward. Claimed cashback will be credited on or before April 22, 2027.
8. The principal cardholder must register before transacting. The mobile number used must match the number on the Metrobank credit card account.
9. How to register for the promo:
   a. The principal credit cardholder must register by visiting the registration page: https://metrobankcard.mymcc.gift
   
   b. Enter the mobile number registered with your Metrobank credit card account.
   
   c. Under Available Promos, select “2026 Q4 Have a Merry Million” and enter the mobile number.
   
   d. Metrobank will send an SMS confirming successful registration. If no confirmation SMS is received within the day, the registration is unsuccessful.
   
   e. Note: The registration page will only ask for the cardholder’s mobile number and the Registration/Verification Code sent to the mobile number. Metrobank and Giftaway will never ask for the card number, expiry date, CVV, OTP or other card details via links or web pages found in e-mail, SMS or phone calls.
10. Cardholders who receive an SMS invitation may register by following the SMS instructions or through https://metrobankcard.mymcc.gift.
11. Transactions made before successful registration do not qualify. Registration is successful only when the principal cardholder receives Metrobank’s confirmation SMS.
12. The Giftaway website verifies the mobile number and code but does not check whether the number is linked to a Metrobank credit card account. A website success message alone does not confirm promo registration. Use the mobile number on your credit card account and wait for Metrobank’s confirmation SMS.
13. If the mobile number changes, the cardholder must update Metrobank’s records and request manual registration through Customer Service at (02) 88-700-700. New cardholders who activate their cards during the promo period may also call for registration assistance.
14. Supplementary cardholders are covered once the principal cardholder is registered. Their qualified transactions will be added to the principal cardholder’s transactions.
15. By completing the registration, the cardholder agrees that his/her personal data shall be shared to Metrobank’s service provider, Giftaway, and shall be subject to confidentiality, data privacy and other terms and conditions of Giftaway.
16. The Giftaway tracker will be available from November 10, 2026. It will show posted qualified transactions, accumulated spend, raffle entries and qualified Apple Pay transaction count. The Claim button will be available during the cashback claim period.
17. Only the principal cardholder may access the tracker. Earlier qualified transactions will appear when the tracker launches. Later transactions will appear within seven (7) to ten (10) banking days after posting in Metrobank’s system.
18. Qualified accumulated-spend transactions include straight retail purchases at groceries, department stores, boutiques, drug stores, gasoline stations, restaurants, online shops and PayBills, including foreign currency purchases. PayNow is excluded.
19. Non-qualified accumulated-spend transactions include merchant installments, transactions under MCC 6540, 6010, 6011 or 6012, wallet top-ups, PayNow, Bills2Pay, Cash Advance, Balance Transfer, Balance Conversion and Cash2Go.
20. Qualified raffle transactions include straight retail transactions of at least PHP 1,000, including online and foreign currency purchases. Qualified PayNow transactions of at least PHP 10,000 earn one (1) raffle entry each, except transfers to the cardholder’s own account.
21. Non-qualified raffle transactions include merchant installments, transactions under MCC 6540, 6010, 6011 or 6012, wallet top-ups, Bills2Pay, and amortizations of previous Balance Transfer, Cash Advance, Balance Conversion and Cash2Go transactions.
22. Cardholders who registered by SMS may also claim through SMS by following the instructions in the claim message.
23. Cashback entitlement is computed per customer number. Transactions made with multiple Metrobank credit cards and supplementary cards under the same customer number will be combined for accumulated spend, Apple Pay transaction count and raffle entries.
24. A cardholder may claim only one (1) accumulated-spend cashback tier during the promo. The claim is final. This limit does not affect the cardholder’s separate Apple Pay cashback.
25. Qualified cardholders will receive an SMS with claim instructions. Successfully claimed cashback will be credited on or before April 22, 2027.
26. The claim period is November 10, 2026 to March 23, 2027. Claims after March 23, 2027 will not be accepted. Unclaimed cashback will be forfeited.
27. Valid claims are final. They cannot be cancelled, reversed or changed to another accumulated-spend tier.
28. All cashbacks earned will be rewarded as a credit adjustment to the customer’s statement of account with the description: “Cashback for Have a Merry Million Promo.” 
29. All cashbacks earned will only be rewarded to cardholders who has an active account and have no outstanding past due during the period of which the cashback will be rewarded. Otherwise, cashback earned under this promo will be forfeited. 
30. Cashback is non-transferable and cannot be exchanged for cash or other products.
31. Qualified transactions must be made no later than 11:59 p.m. on January 22, 2027. Metrobank’s transaction timestamp will be used.
32. Raffle entries earned within the promo period will be electronically generated and will automatically be included in the raffle draw. There is no cap for the amount of raffle entries a cardholder can earn.
33. The electronic raffle draw will take place on February 5, 2027 and will virtually be held in the presence of representatives from DTI and Metrobank.
34. The raffle winner will first be notified by SMS and email. If unreachable, the winner may be contacted by registered mail or telephone.
35. Metrobank will ask the PHP 1,000,000 cashback raffle winner to email the following documents to customerservice@metrobankcard.com:
    a. Notarized Quit Claim Form
    
    b. Digital copy of 1 valid and unexpired government ID
    
    c. Digital copy of the front of the winning Metrobank credit card
36. The winner must submit these documents within five (5) business days of notification. Otherwise, the prize may be forfeited and awarded to a backup winner with prior DTI approval.
37. Metrobank may use the raffle winner’s full name in announcements and promotions, subject to applicable privacy requirements.
38. Photos and videos will be used for promotional purposes only if the participant submits them or consents to their capture and use.
39. Employees of Metrobank and Giftaway including relatives up to the second degree of consanguinity are disqualified to join the raffle.
40. A cardholder will forfeit the raffle prize if the Metrobank credit card becomes delinquent, suspended, cancelled or terminated before prize release. Metrobank may award the prize to a backup winner drawn in the presence of a DTI representative.
41. Questions or disputes about the promo will be accepted within sixty (60) calendar days after the cashback crediting period ends, or until June 21, 2027.
42. A cardholder will be disqualified from receiving cashback if the Metrobank credit card becomes past due, delinquent, suspended, cancelled or terminated before cashback crediting.
43. The terms and conditions governing the issuance and use of Metrobank credit cards also apply to this promo where relevant.
44. Metrobank may disqualify a transaction cancelled, refunded, reversed or charged back before reward fulfillment. If cashback has already been credited for a transaction later found invalid, fraudulent or unauthorized, Metrobank may charge the cashback amount to the cardholder’s credit card account.
45. All questions regarding the cardholder’s eligibility to this promo shall be resolved by Metrobank, with the concurrence of DTI.
46. Applicable Giftaway registration and tracker terms also apply.
47. Any amendment in the terms and conditions is subject to DTI approval.
48. By joining this promo, the cardholder confirms that they have read, understood and agreed to these mechanics.
49. For any questions or clarifications, please contact Metrobank at 88700-700 or e-mail customerservice@metrobankcard.com.
50. Metrobank is regulated by the Bangko Sentral ng Pilipinas (BSP).