The Metrobank Card Conversion Program
As we continue to improve your banking experience and stay true to our commitment to offer you better-suited products that fits your lifestyle, you will be converted to another Metrobank Credit Card based on your profile with the bank.
Attached is the Frequently Asked Questions (FAQs) for the program for reference.
ABOUT THE METROBANK CARD CONVERSION PROGRAM:
The Metrobank Card Conversion Program is a bank-initiated program targeted to qualified Metrobank Cardholders of the following credit card products that the bank has stopped-selling:
- Metrobank Femme Visa Classic
- Metrobank Vantage Visa
- Metrobank Vantage Mastercard
- Metrobank M-Lite Mastercard
- Metrobank NCCC Mastercard
- Metrobank Puregold Green & Gold Cards
Your new credit card will be decided on the recommendations of the bank which is mainly based on the usage of your old credit card. The Card Conversion Program will be to a credit card variant that we are actively offering to the market:
- Metrobank Toyota Mastercard
- Metrobank Titanium Mastercard
- Metrobank Platinum Mastercard
- Metrobank World Mastercard
- Metrobank Rewards Plus Visa
- Metrobank Visa Cashback
- Metrobank Travel Platinum Visa
IMPORTANT CHANGES IN THE ACCOUNT:
1. What will remain the same in your account upon the Card Conversion process?
a. Reward Points - The rewards points balance earned from your old credit card will be transferred to the new credit card upon processing of the card conversion. For card conversions going to the Metrobank Visa Cashback, your earned rewards points will be converted into the equivalent cash credit for redemption.
b. Statement Date - The Statement Date will follow your old card.
c. Assigned Credit Limit - The credit limit assigned to the new credit card will be the same as the credit limit of your old credit card.
d. Bills2Pay Enrollment - All merchants enrolled through Bills2Pay will be re-enrolled automatically to the new credit card. Make sure to activate the new credit card in order to avoid rejection of payments on your enrolled Bills2Pay billers.
e. Outstanding Balances - All outstanding balances and monthly installments charged to the old credit card will automatically be transferred to the new credit card.
f. Supplementary Cards - All existing Supplementary Cards will also be qualified for the card conversion and will be processed automatically together with the new principal card.
2. What are the important changes in your account upon the Card Conversion process?
a. Credit Card Annual Fees – Enjoy waived annual fee on the first year. In order to enjoy perpetually waived annual fees yearly, you must reach the required yearly spend using the new credit card.
b. Third-Party Enrollments/Subscriptions - For payment arrangements enrolled directly through third-party merchants (e.g. non-Bill2Pay billers, Insurance, Gym Subscriptions, etc.) and online platforms (e.g. Spotify, Netflix, Amazon, etc.), you must re-enroll using the new credit card number to avoid service interruption.
c. Finance Charges - All finance fees & charges will remain the same across all Metrobank credit card variants, except for the Retail Monthly Interest Rate/Finance Charge for M-Lite Mastercard:
| Retail Monthly Interest Rate /Finance Charge |
From M-Lite Mastercard: | To New Credit Card Variant: |
| 2.49% Monthly Interest Rate or 29.88% Annually |
3% Monthly Interest Rate or 36% Annually |
d. Old Credit Card Deactivation - The old credit card can still be used until the new credit card has been delivered and has been activated by the cardholder. Deactivation of the old credit card will be triggered once the new card has been activated by the cardholder through the Metrobank App or through SMS.
e. Enrollment on Metrobank Application (MBOA) - The cardholder must re-enroll the new card number of the new credit card to the Metrobank Online App.
3. What are the change in benefits if my card gets converted?
The Metrobank Classic Cards only earns Php 20 = 1 reward point without any category reward multipliers. With the Card Conversion Program, you can now also earn 2x to 3x point on categories that you love to spend on! Plus, you can now enjoy other benefits:
| MASTERCARD CREDIT CARDS | VISA CREDIT CARDS |
|---|---|
| Toyota Mastercard · 3% fuel rebate at Petron* · 10% off on parts, accessories labor at Toyota · 2x rewards points on preferred Toyota Dealer *capped at up to PHP 15,000 annually |
Rewards Plus Visa · Earn 1 point for every PHP 20 spend · 2x rewards points on gadgets, internet mobile services, and online spend · Enjoy 0% Installment Program on Metrobank partners merchants |
| Titanium Mastercard · Earn 1 point for every PHP 20 spend · 2x points on online, department store and dining transactions · Enjoy 0% Installment Program on Metrobank partners merchants |
Cashback Visa · 5% Rebate on groceries, telecom, school bookstore spend · 0.2% rebate on all other purchases · Save up to PHP 12,000 per year* *rebates are capped at PHP 1,250/monthly |
| Platinum Mastercard · Up to 50% off on Dining Deals · Free 1st supplementary card for life · FREE E-Commerce Protection insurance for online purchases |
Travel Platinum Visa · 1 air mile per PHP 17 spend on airlines, hotels, and foreign currency transactions · 1 air mile per PHP 50 spend on other categories · Free first supplementary card for life |
| World Mastercard · 3x Rewards Points on Foreign Currency Spend, Online* & Hotel* Spend · Unlimited Local Lounge Access · 1.85% Transaction Fee on Foreign Currency Spend *Valid until December 31, 2025 only. |
To learn more about the different benefits of the different Metrobank Credit Cards, you may visit the Metrobank Website > Personal > Cards > Credit Cards and browse the credit card page catalogue.
4. Who are eligible only for the Card Conversion Program?
All active cardholders under these Metrobank Credit Cards that have stopped selling will receive the notice for the Card Conversion Program from the bank:
- Metrobank Femme Visa Classic
- Metrobank Vantage Visa (formerly Metrobank Visa Classic)
- Metrobank Vantage Mastercard (formerly Metrobank Mastercard Classic)
- Metrobank M-Lite Mastercard
- Metrobank NCCC Mastercard
- Metrobank Puregold Green & Gold Cards
5. Who are not part of the Card Conversion Program?
The following cardholders are excluded from the Card Conversion Program:
- Cardholders who does not own any of the stated Metrobank Credit Card in the stop-sell in FAQ #4.
- Cardholders of the Stop-Sell Metrobank Credit Cards that are in delinquent status /on cross-default status.
- Cardholders of the Stop-Sell credit card that have been converted prior the launch of the program
6. When will I receive the notice of the Card Conversion Program?
All communications for the qualified cardholder will start At least 180 days from the actual expiry of the old credit card.
7. What will happen to my old credit card upon the delivery of the new card?
Once the new credit card has been delivered, you must activate the new credit card through the Metrobank App or through SMS. Once the new credit card has been activated, the old credit card shall be triggered to be deactivated and you must properly dispose the old credit card.
8. What is the turnaround time of the delivery of my new credit card?
Delivery to Metro Manila addresses will be between 5-7 banking days and 10-15 banking days for Provincial addresses from card creation date.
9. What are the ways to activate my new credit card?
If you are new to the Metrobank App:
a. Download the new Metrobank App in Google Store or Apple Store.
b. Sign up on the app using your new credit card number.
c. Go to the Dashboard and tap "Activate Card". Input your Metrobank passcode to confirm activation.
If you already have the Metrobank App:
a. Login to the Metrobank App, then tap the three stacked-lines on the upper left corner of the Dashboard.
b. Go to My Account. At the lower right corner, tap "Enroll". Enter the card number of the new credit card.
c. Go to the Dashboard and tap "Activate Card". Input your Metrobank passcode to confirm activation.
Alternative, you may activate through SMS - Text ACT
10. What if I wanted a different credit card or opt out from the Card Conversion Program?
We are always committed to prioritize your needs and be able to hear your feedback regarding our programs & services. To be able to serve you better, please reach out to our Customer Service Hotline at (02) 88-700-700 or you may send us an email at [email protected].
11. What if I wanted to cancel my card?
We understand that circumstances may change, and we're here to assist you with any requests you have regarding your credit card. We would be willing to guide you through the process and discuss any alternative options that may better suit your current needs. You may reach out to our Customer Service Hotline at (02) 88-700-700 or you may send us an email at [email protected].
