Metrobank, a major financial institution in the Philippines, offers a variety of credit cards designed for different lifestyles and spending habits. Beyond basic financial services, the bank frequently partners with merchants to provide cardholders with exclusive promotional offers, discounts, and free items. This article details the current and recent promotions available to Metrobank credit card users, focusing on tangible benefits such as free gifts, cashback, and installment deals.
Understanding Metrobank Credit Card Promotions
Metrobank's promotional strategy often involves targeted campaigns for new cardholders, ongoing deals for existing users, and seasonal partnerships with retail and service providers. These promotions are structured to add value beyond the standard rewards programs associated with each card. The offers are typically valid for a specific period and may require registration, a minimum spend, or the use of a specific card type.
New Cardholder Incentives
For individuals applying for a Metrobank credit card through the partner platform Moneymax, a promotional offer is available. Applicants who are approved for a preferred card can receive a gift of their choice. The available options include an eGift worth ₱2,000, an Oral B Vitality 100 toothbrush worth ₱2,095, or a Mi Smart Air Fryer 3.5L worth ₱3,499. This promotion is valid until June 30, 2025, and is governed by DTI Fair Trade Permit No. FTEB-226753, Series of 2025.
Targeted Spend-Based Cashback Promotions
Metrobank occasionally runs targeted cashback promotions for selected cardholders. Participation in these offers typically requires registration on a dedicated microsite. For example, cardholders may need to register at a specified URL and input their Metrobank-registered mobile number. Selected clients receive an SMS or Viber message with a reference number and are assigned a specific spend requirement, which can range from ₱7,000 to ₱120,000. The spend condition may be a single-receipt transaction or an accumulated-receipt transaction. The corresponding cashback reward ranges from ₱350 to ₱6,000. Valid spends for these promotions usually include retail and merchant installment transactions, both in-store and online. The earned cashback is credited to the cardholder's Statement of Account.
Partner Merchant Promotions and Freebies
A significant portion of Metrobank's value-added promotions comes from partnerships with various merchants across different sectors, including electronics, jewelry, travel, and home appliances.
Electronics and Gadgets
- Abenson Group: Metrobank credit cardholders can receive free items when making a 0% installment purchase at Abenson, Electroworld, or Abenson Home stores. For a minimum single-receipt 0% installment purchase of ₱35,000, customers receive a free 16.9-ounce Thermos portable mug. For a higher spend of ₱65,000 on a single-receipt 0% installment purchase, a free 7L Hanabishi air fryer is provided.
- Team Graphitee: Cardholders can enjoy a 10% discount on any Ryzen helmet purchased at Team Graphitee. This promotion is valid for 0% installment payments of up to six months or for the "Shop Now, Pay Later" option. Participating branches are located in Quezon City, Las Piñas, Makati, Navotas, and Pasig.
- Bic Camera Japan: For purchases made in Japan at Bic Camera, Metrobank credit cardholders can receive a 5% discount on their gadget purchases. This promotion is valid until December 31, 2024.
- Aerophone: Metrobank Visa cardholders (including Peso, Vantage, Rewards Plus, Femme, Femme Signature, Cashback, and Travel Platinum variants) can access exclusive promotions at Aerophone, a leading brand for tech and accessories. This offer is valid until August 31, 2024.
Jewelry and Lifestyle
- Sunjewel: Metrobank credit cardholders can avail of a 0% installment plan for a minimum single-receipt purchase of ₱75,000 and receive a free jewelry travel box or watch box worth ₱3,000. This promotion is valid until December 31, 2024.
Metrobank Credit Card Features and Categories
While not all promotions are freebies, understanding the features of different Metrobank cards can help cardholders maximize benefits. The bank offers a wide range of cards, each with distinct advantages.
- Metrobank World Mastercard: This card is positioned as a complete travel card, allowing cardholders to earn 1 mile per PHP 17 spent on airlines, hotel accommodations, and foreign currency transactions. It also offers up to 50% off on deals both locally and abroad. A notable benefit is the free annual fee for life on the first supplementary card.
- Metrobank M Free Mastercard: This card offers a perpetual waiver of the annual fee for both the principal and supplementary members.
- Metrobank ON Virtual Mastercard: Designed for secure online shopping, this virtual card provides a dedicated tool for digital transactions.
- Metrobank Cashback Visa: This card provides a 5% rebate on groceries, telecoms, school, and bookstore spend, and a 0.2% rebate on all other retail purchases.
- Metrobank Rewards Plus Visa: Marketed as "The most rewarding feeling you can get in a credit card," this card focuses on a comprehensive rewards program.
- Metrobank Femme Visa and Femme Signature Visa: These cards are tailored for female cardholders, offering perks and privileges suited to their lifestyle, with the Femme Signature Visa described as a "most exclusive and rewarding experience."
- Metrobank Travel Platinum Visa: This card is positioned as the fast way to earn miles, catering to frequent travelers.
- Metrobank Platinum Mastercard: This card offers exclusive shopping and dining deals.
- Metrobank Toyota Mastercard: This is described as the country's first complete motorist card, enhancing the driving experience.
- Metrobank Dollar Mastercard: This card allows users to get billed and pay in US Dollars.
- Metrobank M Lite Mastercard: Cardholders can choose from convenient payment facilities.
- PSBank Credit Mastercard and NCCC Mastercard: These are co-branded cards. The PSBank card offers no annual fee for life, while the NCCC Mastercard allows cardholders to convert their rewards points to their NCCC Loyalty Card.
General Information and Responsible Usage
Metrobank emphasizes the importance of understanding credit card responsibilities. A credit card is a tool for purchasing products and services without using cash, offering safety and expense tracking for everyday transactions. Key advice for cardholders includes living within their means and staying within the credit limit to avoid overlimit fees. The bank evaluates credit card applications seriously to ensure the best service for clients.
For inquiries or assistance, Metrobank provides several contact channels. Domestic toll-free numbers can be accessed via a PLDT line. Email inquiries can be sent to [email protected], with the team available from Mondays through Fridays, 8:30 AM to 5:30 PM. For faster assistance on select credit card concerns, cardholders can message "Mia of Metrobank" on Facebook Messenger.
Conclusion
Metrobank credit card promotions provide tangible value through free gifts, discounts, and installment plans. New cardholders can choose from a selection of welcome gifts, while existing cardholders can access targeted cashback offers and partner merchant deals. Promotions are available across various sectors, including electronics, jewelry, and travel, with specific offers tied to minimum spend requirements and card types. Cardholders are encouraged to review the terms and conditions of each promotion, including validity periods and eligible cards, and to register where required to take advantage of these opportunities. Responsible credit card usage, as advised by the bank, remains fundamental to financial well-being.