Metrobank Rewards Terms & Conditions

GENERAL POLICIES

1. The Rewards Program (“Program”) of Metropolitan Bank & Trust Company (Metrobank) is open to all Metrobank Vantage, Rewards Plus Visa, Titanium Mastercard, Toyota Mastercard, Femme Visa, Femme Signature Visa, NCCC Mastercard (eligible for Annual Fee waiver only), Platinum Mastercard, World Mastercard and Travel Platinum Visa cardholders.
   
2. Rewards Points earned from the Program can be exchanged for rewards items specified in the relevant Rewards Catalogue, applied as payment for annual fees, converted to air miles or cash credits/rebates, or donated to charity (“Participating Programs”).
   
3. By redeeming Rewards under this Program, the Cardholder consents to the disclosure by Metrobank of the cardholder’s information to third party service providers as needed to carry out the redemption request.
   
4. Metrobank reserves the right to amend the rules on accumulating or earning Rewards Points and adjust the required Rewards Points to redeem. Changes will be announced through any of the following channels: Statement of Account, email, SMS blast, website posting or through other modes determined sufficient by Metrobank.
   
5. Metrobank shall be entitled to engage an agent or service provider to carry out any, all or part of the Rewards Program on its behalf. To this end, the Cardholder consents and hereby authorizes Metrobank to supply any such agent or service provider with such information as may be necessary or required for them to perform their duties.

ELIGIBILITY

1. All Principal Credit Cardholders (“the Cardholder/s”) of good credit standing (i.e., current, not suspended or cancelled and not over limit) are qualified/eligible to participate in the Program.
   
2. Rewards Points accumulated by both Principal and Supplementary cardholders shall be credited to the Principal’s account.
   
3. Metrobank reserves the right to disqualify any Cardholder from further participation in this the Program and forfeit all Rewards Points earned by the Cardholder if the credit card account is past due, suspended or cancelled, over limit or, if in Metrobank’s judgment, the said Cardholder has violated these terms and conditions. The Program shall be subject to these Terms & Conditions and/or the Metrobank Credit Card Terms and Conditions.
   

ACCUMULATION OF REWARDS POINTS

1. The Cardholder shall earn 1 Rewards Point for every P20.00 charged on his/her credit card account for each purchase of goods or services. Rewards Points are computed on a per transaction basis, not on the total/aggregate amount of purchases.
   
2. Converted Rewards Points shall be rounded down to the nearest whole number.
   
   Sample computation:
   Transaction amount - PHP 5,000 / P20 (1 pt ) = 250 points
   Transaction amount - PHP 5,750 / P20 (1 pt ) = 287 points
   Transaction amount - PHP 25 / P20 (1 pt ) = 1 point
   
   
3. All purchase transactions are eligible in the accumulation of Rewards Points including the monthly amortization of retail and installment purchases, and Bills2Pay* Auto-Charge Program
   *Earn P20 = 1 rewards point for a maximum transaction of PHP 20,000 per utility, per Bills2Pay transaction.
4. Charges not eligible to earn Rewards Points include, but are not limited to, cash advances, Cash2Go, Balance Transfer, Conversion to Installment, PayBills, PayNow facility using Metrobank Online or the Metrobank App, casino, betting or gambling transactions, cryptocurrency, remittance, cash transfer, e-wallet top up, all types of fees and penalties such as annual fees, interest and finance charges, late payment charges and all other fees and charges similar to the foregoing as determined by Metrobank.
   
5. Metrobank’s decision as to what transactions are included for the purpose of earning Rewards Points shall be final and conclusive.
6. Cardholder’s right to use the Rewards Points is non-transferable. Accumulated Rewards Points are not convertible to cash. Redeemed Rewards Points cannot be converted back to Rewards Points.
   
7. The foregoing terms and conditions shall not preclude the right of Metrobank to correct at any time, with notice, any computation, posting or award of Rewards Points which it has determined to be erroneous.
8. Rewards Points earned by the Cardholder shall be reflected in the monthly Statement of Account. Cardholder shall examine the Statement of Account and notify Metrobank for any error, discrepancy, or question no later than thirty (30) calendar days from Statement date. If the Cardholder does not dispute the number of Rewards Points earned for that particular billing cycle within the specified period, the Rewards Points earned as reflected on the statement shall be deemed correct, final and binding upon the Cardholder unless Metrobank needs to augment, reverse or deduct the Rewards Points earned due to erroneous crediting or any necessary adjustments.
   
9. In case of erroneous processing of rewards points redemption where the e-Vouchers or Air Miles processed is not equivalent to the amount of rewards points earned and redeemed, Metrobank reserves the right to rectify such error by the following action:
   i. Shortage (e.g., incomplete e-Vouchers or Air Miles) – Metrobank will process the short fall to complete the rewards redemption; or ii. Overage (e.g., duplicate e-Voucher or Air Miles) – Metrobank will recover the excess e-Voucher or Air Miles by deducting the same from the existing rewards points of the credit card account. If the existing rewards points is insufficient, cost of the rewards will be charged to the credit card account using the prevailing cost of the e-Voucher or Air Miles.
   

DURATION AND LOSS OF REWARDS POINTS

1. Transfer of Rewards Points is not allowed, regardless of card and account status.
   
2. Fraud and abuse relating to the earning of Rewards Points in the Rewards Program or the redemption of rewards, including the transfer of Rewards Points to Participating Programs, may result in the forfeiture of earned Rewards Points.
   
3. All questions or disputes regarding eligibility of Rewards Points for redemption of rewards will be resolved by Metrobank at its sole discretion.
   
4. Rewards Points accumulated from rewards-earning cards that were converted into nonrewards-earning cards will no longer be redeemable. These are Points that were carried over as a result of Cardholder's failure to redeem the Points prior to conversion and will be forfeited.
   
5. If an account is not in good credit standing, the Rewards Points earned in the Rewards Program may be forfeited, with notice to the Cardholder. The account may also be cancelled or Rewards Points earned may be forfeited due to the Cardholder's failure to adhere to the Rewards Program Terms and Conditions or the Metrobank Credit Card Terms and Conditions.
   
6. Should any violation of these Terms and Conditions occur after a redemption request has been made, Metrobank reserves the right to defer and/or stop the processing of the redemption request.
   
7. Subject to these Terms and Conditions, if a Cardholder's card is involuntarily cancelled, the unused Rewards Points will be forfeited at the same time.
   

REWARDS REDEMPTION

1. Air Miles, Donations, and Rewards eVouchers (once redeemed by the Cardholder) are not exchangeable, refundable or redeemable for cash or credit under any circumstances, and are subject to the terms and conditions as may be prescribed by the issuer of the same.
   

REDEMPTION PROCEDURE

1. A Cardholder may redeem Rewards through MIA (Metrobank Interactive Assistant) at m.me/MiaOfMetrobankCard.
   
2. Processing of redemption may take within 3 to 5 banking days from the date the redemption request is received by Metrobank.
3. Rewards eVouchers will be sent within 3 to 5 banking days via SMS to the cardholder’s mobile number on record.
   
4. Any dispute concerning non-delivery of Rewards eVouchers should be escalated to Metrobank whether through telephone or in writing, within 60 banking days from redemption date. Should there be no follow up or complaint received, it is assumed that the Rewards eVoucher/s has been successfully received.
   
5. Any complaints on vouchers redeemed should be received by Metrobank within 3 banking days from date of acceptance. Otherwise, it is understood that vouchers have been duly accepted without disputes.
   
6. Any dispute concerning goods or services received from merchants in exchange for gift certificates redeemed under the Program shall be settled between the Cardholder and the merchant and/or supplier that supplied the goods or services. Metrobank will bear no responsibility in resolving such disputes.
   
7. Once the request for redemption is accepted by Metrobank, the same cannot be revoked or cancelled by the Cardholder.
   

REWARDS E-VOUCHER REDEMPTION

1. Metrobank, through its third-party service provider, will send a notification SMS to the qualified Cardholder’s mobile number registered on Metrobank’s records.
   
   To access your eGift, type giftaway.ph/open/mcc in your browser and enter the 10-character redemption key provided in the SMS you received.
   
   
2. The Rewards eVoucher can be used at any of the branches indicated in the Merchant Branch Directory.
   
3. Rewards eVouchers have no expiry dates and are fully transferable.
   
4. Each Rewards eVoucher has a unique code that corresponds to an amount or item. To use the Rewards eVoucher at the store, or equivalent (ex. online store), the code must be given to the store for validation.
   
5. The Rewards eVoucher is for one-time use only. If the total value of the Rewards eVoucher is not used up, there will be no cash change given. If the purchase goes beyond the Rewards eVoucher amount, the cardholder shall pay for the difference.
   
6. Multiple Rewards eVouchers may be used per transaction.
   
7. The Cardholder is responsible for the safekeeping of the Rewards eVoucher. The cardholder must only give this to the store manager, or its equivalent (ex. online checkout) upon using it at the store.
   
8. In the event that the store’s Rewards eVoucher validation system is offline or unavailable, the store will not be able to accept the eVoucher. The Cardholder may still use the Rewards eVoucher when the system is back online.
   
9. The Rewards eVoucher may not be valid for use on certain promotional items/services and it cannot be exchanged for cash.

AIR MILES REDEMPTION

1. Cardholders must be enrolled in the relevant Air Miles program in order to convert Rewards Points to Air Miles.
   
2. Cardholder must provide the following upon redemption:
   
   Air Miles membership number
   
   Cardholder name as registered in Airline Miles membership in the following format: Last Name, First Name MI Example:
   
   Santos, Allen B
   *no special character/s allowed; make sure the name registered in the airline membership matches the name entered.
   
   
3. Air Miles shall be credited to the Cardholder’s air miles account within 3 – 5 banking days from redemption.
   
4. Capping for Air Miles redemption:
   
   

   	PHILIPPINE AIRLINES MABUHAY MILES		SINGAPORE AIRLINES KRIS FLYER		CATHAY PACIFIC ASIA MILES
   Card Type	Minimum Redemption	Maximum Annual Redemption	Minimum Redemption	Maximum Annual Redemption	Minimum Redemption	Maximum Annual Redemption
   Metrobank Vantage, Toyota Mastercard, Femme Visa	21,000	105,000	21,000	105,000	21,000	105,000
   Rewards Plus Visa, Titanium Mastercard	20,000	100,000	20,000	100,000	20,000	100,000
   Femme Signature Visa / Mastercard Platinum	10,000	30,000	10,000	30,000	10,000	30,000
   World Mastercard / Travel Platinum Visa	10,000	None	10,000	None	10,000	None

5. To check if the redeemed Miles have been successfully credited, Cardholders may log into their Airline Miles Membership account.
   
6. For any concerns or clarifications on your miles, please visit the Airline Miles Membership platform.
   

ANNUAL FEE WAIVER REDEMPTION

1. Upon redemption request, Cardholders must provide the following:
   
   Cardholder number
   Item code
   
   
2. Redemption of Annual fee waiver will only be allowed after it has been charged to the Cardholder’s account.
   
3. Redemption will be processed within 3 to 5 banking days from receipt of a valid request.
   
4. Once the request for redemption is accepted, the same cannot be revoked or cancelled by the Cardholder.
   
5. Redemption of annual fee waiver will be reflected on the Cardholder’s next statement date.
   

CASH CREDIT / REBATE REDEMPTION

1. Cardholders can convert their Metrobank Rewards Points to cash credits / rebate with this conversion rate:
   
   

   Rewards Category	Card Type	Amount	Required Min Redemption	Max Points for Redemption (Annually)
   Cash Credits	Metrobank Vantage, Toyota Mastercard, Femme Visa, Rewards Plus Visa, Titanium Mastercard	PHP 500.00	17,500	175,000
   Cash Rebates	MC Platinum, Femme Signature Visa, Travel Platinum Visa	PHP 500.00	10,100	101,000
   Cash Rebates	World Mastercard	PHP 2,000.00	20,000	60,000

2. Cash credits/rebates will be reflected on the Cardholder’s next statement date.
   
3. Once the request for redemption is accepted, the same cannot be revoked or cancelled by the Cardholder.
   

MISCELLANEOUS PROVISIONS

1. Items photographed in the Rewards Catalogue may differ slightly in color, perceived size or texture from the actual items to be delivered to the Cardholder.
   
2. All questions or disputes regarding eligibility for the Rewards Program or redemption of rewards will be resolved by Metrobank at its sole discretion.
   
3. The terms and conditions may be modified by Metrobank in its sole discretion from time to time with notice to the Cardholder. Similarly, the redemption process may be modified by Metrobank in its sole discretion, with appropriate communication through any mode deemed sufficient by Metrobank.
   
4. The Cardholder agrees to hold Metrobank or any of its officers or representatives free and harmless from any liability or action arising from or in connection with the availment or processing of any reward for which the Cardholder is entitled to receive.
   
5. By participating in the Rewards Program, the Principal Cardholder agrees to be bound by these Terms and Conditions.
   
6. For any questions or clarifications, please contact Metrobank at 88700-700 or email [email protected].
   
7. Metrobank is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph).
   

List of Rewards Gifts:

eVouchers

Rewards Code	eGift Certificate	Denomination	POINTS REQUIRED	POINTS REQUIRED
			for Femme Signature Visa, Travel Platinum Visa, Platinum Mastercard, World Mastercard	Femme Visa, Rewards Plus Visa, Vantage Visa, Titanium Mastercard, Toyota Mastercard, Vantage Mastercard
MBGA-8006	Abenson P1,000	PHP1,000	23,340	30,000
MBGA-8536	BCN Wine Gastro Bar P1,000	PHP1,000	23,340	30,000
MBQ-019	Bershka P1,000	PHP1,000	23,340	30,000
MBQ-018	Beyond the Box P1,000	PHP1,000	23,340	30,000
MBGA-5536	Bioessence P1,000	PHP1,000	23,340	30,000
MBGA-027	Bizu Patisserie P1,000	PHP1,000	23,340	30,000
MBGA-5674	Buffalo Wild Wings P1,000	PHP1,000	23,340	30,000
MBGA-2330	Bulgogi Brothers P1,000	PHP1,000	23,340	30,000
MBGA-7343	CameraHaus P1,000	PHP1,000	23,340	30,000
MBGA-9675	Canton Road P1,000	PHP1,000	23,340	30,000
MBGA-6920	Denny's P1,000	PHP1,000	23,340	30,000
MBGA-7506	Digital Walker P1,000	PHP1,000	23,340	30,000
MBGA-9763	Discovery Primea P1,000	PHP1,000	23,340	30,000
MBGA-9771	Discovery Suites P1,000	PHP1,000	23,340	30,000
MBGA-7417	Farmacy Ice Cream P1,000	PHP1,000	23,340	30,000
MBGA-3374	Fish & Co. P1,000	PHP1,000	23,340	30,000
MBGA-7130	Foodee Global Concepts P1,000	PHP1,000	23,340	30,000
MBGA-2341	Ganso Shabuway P1,000	PHP1,000	23,340	30,000
MBGA-8624	Gcash P1,000	PHP1,000	23,340	30,000
MBQ-0002	Gourdo's P1,000	PHP1,000	23,340	30,000
MBGA-8639	GrabCar P 1,000	PHP1,000	23,340	30,000
MBGA-13346	GrabFood P1,000	PHP1,000	23,340	30,000
MBGA-11440	GrabMart P1,000	PHP1,000	23,340	30,000
MBGA8758x2	H&M P1,000	PHP1,000	23,340	30,000
MBGA-7462	HiPrecision Diagnostics P1,000	PHP1,000	23,340	30,000
MBGA-7235	Ippudo P1,000	PHP1,000	23,340	30,000
MBGA-2333	Italianni's P1,000	PHP1,000	23,340	30,000
MBGA-8497	Jollibee P1,000	PHP1,000	23,340	30,000
MBGA-7411	Kumori Japanese Bakery P1,000	PHP1,000	23,340	30,000
MBQ-017	Landers P1,000	PHP1,000	23,340	30,000
MBGA-4465	Landmark P1,000	PHP1,000	26,000	33,000
MBGA-8528	Las Flores P1,000	PHP1,000	23,340	30,000
MBGA-10723	Lazada P1,000	PHP1,000	26,000	33,000
MBQ-020	Massimo Duti P1,000	PHP1,000	23,340	30,000
MBGA-21	Max's P1,000	PHP1,000	23,340	30,000
MBGA-7246	MemoXpress P1,000	PHP1,000	23,340	30,000
MBGA-9261	Mercury Drug P1,000	PHP1,000	23,340	30,000
MBGA-3377	Modern Shanghai P1,000	PHP1,000	23,340	30,000
MBGA-6873	Morelli's Gelato P1,000	PHP1,000	23,340	30,000
MBGA-7112	MyHealth Clinic P1,000	PHP1,000	23,340	30,000
MBGA-7453	Nike Park P1,000	PHP1,000	23,340	30,000
MBQ-013	Pacsafe P1,000	PHP1,000	23,340	30,000
MBGA-5528	Pancake House P1,000	PHP1,000	23,340	30,000
MBGA-6978	PayMaya P1,000	PHP1,000	23,340	30,000
MBGA-7253	Perfect Shot P1,000	PHP1,000	23,340	30,000
MBQ-003	Pet Express P1,000	PHP1,000	23,340	30,000
MGA11086x2	Pick.A.Roo P1,000	PHP1,000	23,340	30,000
MBGA-6969	Plains & Prints P1,000	PHP1,000	23,340	30,000
MBGA-164	Planet Sports P1,000	PHP1,000	23,340	30,000
MBGA-7137	Pound by Todd English P1,000	PHP1,000	23,340	30,000
MBQ-18005	Power Mac P1,000	PHP1,000	23,340	30,000
MBQ-021	Pull & Bear P1,000	PHP1,000	23,340	30,000
MBGA-9680	Raging Bull Chophouse P1,000	PHP1,000	23,340	30,000
MBGA-8516	Rambla P1,000	PHP1,000	23,340	30,000
MBGA-7228	Ramen Nagi P1,000	PHP1,000	23,340	30,000
MBGA-7931	Raw Bites P1,000	PHP1,000	23,340	30,000
MBGA-9778	Restaurant Tapenade at Discovery Primea P1,000	PHP1,000	23,340	30,000
MBGA-3	Royce Gift Certificate P1,000	PHP1,000	23,340	30,000
MBQ-016	Runnr P1,000	PHP1,000	23,340	30,000
MBQ-001	Rustan's P1,000	PHP1,000	26,000	33,000
MBQ-002	S&R P1,000	PHP1,000	23,340	30,000
MBGA-9691	Samba P1.000	PHP1,000	23,340	30,000
MBGA-9659	Shangri-La The Fort P1,000	PHP1,000	23,340	30,000
MBGA-7295	Silicon Valley P1,000	PHP1,000	23,340	30,000
MBGA-7022	SM Gift Pass P1,000	PHP1,000	26,000	33,000
MBQ-004	SSI P1,000	PHP1,000	23,340	30,000
MBQ-022	Stradivarius P1,000	PHP1,000	23,340	30,000
MBGA-4431	Switch P1,000	PHP1,000	23,340	30,000
MBGA-9778	Tapenade at Discovery P1,000	PHP1,000	23,340	30,000
MBGA-5647	Tempur P1,000	PHP1,000	23,340	30,000
MBGA-2327	TGI Fridays P1,000	PHP1,000	23,340	30,000
MBGA-1321	The CBTL P1,000	PHP1,000	23,340	30,000
MBGA-11188	The Grid Food Market P1,000	PHP1,000	23,340	30,000
MBGA-8004	The Moment Group P1,000	PHP1,000	23,340	30,000
MBGA-7141	Tim Ho Wan P1,000	PHP1,000	23,340	30,000
MBGA-5670	Timex Shop P1,000	PHP1,000	23,340	30,000
MBQ-21005	Toby's P1,000	PHP1,000	23,340	30,000
MBGA-8532	Tomatito P1,000	PHP1,000	23,340	30,000
MBQ-014	Toy Kingdom P1,000	PHP1,000	23,340	30,000
MBQ-015	Urban Athletics P1,000	PHP1,000	23,340	30,000
MBGA-2339	Watami P1,000	PHP1,000	23,340	30,000
MBGA-5523	Watch Republic P1,000	PHP1,000	23,340	30,000
MBGA-7404	Wee Nam Kee P1,000	PHP1,000	23,340	30,000
MBQ-008	Western Marketing P1,000	PHP1,000	23,340	30,000
MBGA-73	Wildflour Restaurant P1,000	PHP1,000	23,340	30,000
MBGA-93	Yabu P1,000	PHP1,000	23,340	30,000
MBGA-6851	Yellow Cab P1,000	PHP1,000	23,340	30,000
MBQ-023	Zara P1,000	PHP1,000	23,340	30,000

Cash Credit

Credit Card Type	Cash Credit / Rebate Amount	Points Required	Rewards Code
Femme Visa Rewards Plus Visa Vantage Visa Titanium Mastercard Toyota Mastercard Vantage Mastercard	PHP 500	Minimum of 17,500 Maximum of 175,000 annually	CASHCR-500
Femme Signature Visa Travel Platinum Visa Platinum Mastercard	PHP 500	Minimum of 10,100 Maximum of 101,000 annually	CASHCR-500
World Mastercard	PHP 2,000	Minimum of 20,000 Maximum of 60,000 annually	CASHREB 2K

Annual Fee Waivers

Credit   Card Type	Annual Fee Waiver	Points Required	Rewards Code
Vantage Mastercard, Vantage Visa, NCCC Mastercard	Primary 100% waived	20,000	100%AFPCOR
	Supplementary 100% waived	10,800	100%AFSCOR
	Primary 50% waived	10,000	50%AFWPCOR
	Supplementary 50% waived	5,400	50%AFSCOR
Titanium Mastercard, Rewards Plus Visa	Primary 100% waived	30,000	100%AFWPGO
	Supplementary 100% waived	18,000	100%AFWSGO
	Primary 50% waived	15,000	50%AFWPGO
	Supplementary 50% waived	9,000	50%AFWSGO
Toyota   Mastercard	Primary 100% waived	30,000	100%AFPTOY
	Supplementary 100% waived	18,000	100%AFSTOY
	Primary 50% waived	15,000	50%AFWPTOY
	Supplementary 50% waived	9,000	50%AFWSTOY
Femme   Visa	Primary 100% waived	25,000	100%AFPFEM
	Supplementary 100% waived	12,500	100%AFSFEM
	Primary 50% waived	12,500	50%AFWPFEM
	Supplementary 50% waived	6,300	50%AFWSFEM
World Mastercard	Primary 100% waived	63,200	100%AFWPMW
	Supplementary 100% waived	31,600	100%AFWSMW
	Primary 50% waived	31,600	50%AFWPMW
	Supplementary 50% waived	15,800	50%AFWSMW
Platinum   Mastercard	Primary 100% waived	52,700	100%AFWPMP
	Supplementary 100% waived	26,400	100%AFWSMP
	Primary 50% waived	26,400	50%AFWPMP
	Supplementary 50% waived	13,200	50%AFWSMP
Femme   Signature Visa	Primary 100% waived	52,700	100%AFWPFS
	Supplementary 100% waived	26,400	100%AFWSFS
	Primary 50% waived	26,400	50%AFWPFS
	Supplementary 50% waived	13,200	50%AFWSFS
Travel Platinum Visa	Primary 100% waived	52,700	100%TPVP
	Supplementary 100% waived	26,400	50%TPVP
	Primary 50% waived	26,400	100%TPVS
	Supplementary 50% waived	13,200	50%TPVS

Air Miles

Credit   Card Type	Points to 1 mile	PHILIPPINE AIRLINES MABUHAY MILES	SINGAPORE AIRLINES KRIS FLYER	CATHAY PACIFIC ASIA MILES	Required minimum redemption	Maximum redemption in a year
		Rewards   Code	Rewards Code	Rewards Code
Femme Visa, Vantage Mastercard, Vantage Visa, Toyota Mastercard	30	PALCORE201	KFCORE201	AMCORE201	21,000	105,000
Rewards Plus Visa Titanium Masterard	25	PALCORE202	KFCORE202	AMCORE202	20,000	100,000
Femme Signature Visa Mastercard Platinum	5	PALPREM51	KFPREM51	AMPREM51	10,000	30,000
Travel Platinum Visa World Mastercard	2.5	PALPREM251	KFPREM251	AMPREM251	10,000	None

*Classic – redemption must be in increments of 21,000
*Gold – redemption must be in increments of 20,000
*Travel cards – redemption must be in increments of 10,000

Donation

Donation	Donation Amount	Points Required	Rewards Code
UNICEF	PHP 500	8,000	UNICEF
I Can Serve Foundation	PHP 500	8,000	ICANSERVE