0% installment up to 6 months at SM Store

The Promotion is applicable to all Metrobank Peso Visa/Mastercard, Metrobank Vantage Visa/Mastercard, M Mastercard, Titanium Mastercard, Platinum Mastercard, World Mastercard, PSBank Credit Mastercard, Toyota Mastercard, Toyota Platinum Mastercard, Robinsons Mastercard, Rewards Plus Visa, Travel Signature Visa, Femme Visa, Femme Signature Visa, Cashback Platinum Visa, and Travel Platinum Visa credit cardholders in good credit standing only. The Promotion is not applicable to ON Virtual Mastercard, Metrobank Dollar Mastercard, Metrobank Prime Debit, and Prepaid cards.

Promo is valid from October 1, 2026 to December 31, 2026.

Enjoy 0% Installment up to 6 months plus Shop Now, Pay Later up to 90 days after using your Metrobank credit card at SM Store.

Installment term applicable may vary per item. Minimum single-receipt spend applies per term: 

• 3 months – PHP 5,000 

• 6 months – PHP 5,000 

Promo is valid at all SM Stores nationwide and online via Personal Shopper.

Promo is applicable for 3 and 6 months purchases. Other installment tenors and straight purchases are excluded from the promo. 

Full installment amount under the 0% installment shall be deducted from the cardholder’s available credit limit. 

All 0% Shop Now Pay Later transactions will be billed to the cardholders account starting the third (3rd) statement cycle based on the original Shop Now Pay Later transaction date and every month thereafter until the total amount payable is paid in full.

To further illustrate:

• If purchase is made before cut-off date, billing will be deferred for 2 months.

• If purchase is made after cut-off date, billing will be deferred for 3 months.

All installment purchases are subject to the Terms and Conditions governing the issuance and use of Metrobank credit card and all related provisions of Metrobank credit card’s 0% installment program. All installment purchase/s are only valid if monthly dues are paid in full. 

The use of the Metrobank credit card in connection with this promo is subject to the Terms and Conditions governing the issuance and use of Metrobank credit cards. 

The terms and conditions governing the issuance and use of Metrobank credit cards, reminders and other provisions contained in the card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable in this promo. 

Any dispute concerning the products or services  of SM Store related to the promo shall be settled directly between the cardholder and SM Store, with the concurrence of the DTI. Metrobank shall be free from any liability in the event of such dispute. 

Any dispute concerning the products or services of Metrobank related to the promo shall be settled directly between the cardholder and Metrobank, with the concurrence of the DTI. SM Store shall be free from any liability in the event of such dispute.

In case of dispute in respect of Metrobank only and the cardholder’s availment of the promo, the decision of Metrobank, with the concurrence of the DTI, shall be considered final. 

By joining or availing of this promo, the cardholder confirms that he/she has read, understood and agreed to the promo mechanics and its terms & conditions. 

For inquiries or concerns, please call our Metrobank Contact Center at (02)88-700-700 (domestic toll-free 1-800-1888-5775) or send an e-mail to customerservice@metrobankcard.com. 

Metrobank is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph).