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Metrobank Credit Card: Can Value Added Services Entice You?

Filled under: Borrow 

Credit cards give you purchasing power way beyond cash. You can buy items online, reserve tickets and pay expensive products in installment. Aside from these, you can ever get rewards. Metrobank credit cards also present Value Added Services for their cardholders, but are these enough to entice Filipinos?

are-metrobank-credit-card-value-added-services-enough-to-entice-you

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  • Bills2Pay

We all have bills to pay as we use electricity, water and telecommunication services. Bills2Pay is an Auto Charge Program. Metrobank automatically settles your enrolled bills on your credit card, this way you don’t have to go to payment centers and there is no need to remind yourself with a couple or due dates. If you want to enroll in Bills2pay, you have to call 8-700-700 if your location is in Metro Manila. Otherwise, call 1-800-1-888-5775 (Domestic Toll-Free).

Only residential accounts can be enrolled, therefore, dollar and corporate accounts are excluded. In case you have unsettled bills before you enroll, you need to pay them off first to get approved. Upon bill payments through Bills2Pay, you can earn 1 reward point for every P20 charged on Metrobank Credit Card. You can earn reward points from utilities less than P20, 000.

  • Balance Transfer

If you are having a hard time handling dues on your non-Metrobank Credit Cards, you can transfer the balance to your Metrobank Credit Card with an interest rate as low as 0.68% per month. The amount you can transfer is at least P6, 000, up to your credit limit since every centavo is charged on your Metrobank Credit card.

If you fail to pay even the minimum amount due, the remaining amount unpaid in your balance transfer will become due and demandable without any prior notice. You will incur interest rates and penalty charges similar to your previous accounts. On the other hand, should you want to settle your balance earlier than the agreed date, you have to pay a pre-termination fee of P500 or 5% of the principal balance.

  • Cash2Go

Metrobank Personal Loan

Cash2Go gives you fast cash loans charged against your card’s credit limit. You can borrow at least P15,000 up to P60,000. You may pay in monthly installments within 12 to 36 months. The funds will be released through your existing Metrobank account in three days after your request has been approved. You may also receive the proceeds through an issuance of a Manager’s check to be delivered 7 days after approval.

A processing fee of P100 will be charged for all approved requests. The total amount to be paid including the principal loan amount and interest should not exceed the credit limit. Should you want to settle the balance earlier than the agreed date, you have to pay the pre-termination penalty.

cash2go

Metrobank Loan Calculator

To give you an idea on how much you can borrow and its monthly amortization, you can use Metrobank’s loan calculator.

metrobank-loan-calculator

  • Cash Rush (Cash Advance)

Metrobank will give you your card PIN through SMS to your registered mobile number. Use the pin to withdraw cash from any Metrobank or PSBank ATM. The amount of cash you withdraw is charged on your credit limit. You will be charged with a Cash Advance fee of 3% or P600 whichever is higher.

Metrobank Credit Card Hotline

Should you lose or change your contact number, you can request for a new PIN at:

  • 24-Hour Customer Service Hotline: (02) 8700-700
  • Domestic Toll-Free Hotline: 1-800-1-888-57751
  • MTXT (Balance inquiry via text message)

You can check your statement balance, remaining credit limit and outstanding balance through SMS.

  • designmycard

You can finally personalize your credit card with your favorite photo. This option is offered to selected Metrobank Credit Cards:

  • Metrobank Peso Platinum Card
  • Metrobank Femme Visa
  • Metrobank Classic MasterCard/Visa
  • Metrobank M Free MasterCard
  • Metrobank M Lite MasterCard
  • Metrobank Gold MasterCard/Visa
  • Payment Channels

Pay your credit card bills through various channels such as:

  • Automatic Debit Arrangement
  • Metrobankdirect
  • Bancnet ATM
  • Via Megalink ATM
  • Metrobank Branch
  • PSBank Branch or ATM
  • Security Bank
  • RCBC Bank
  • Cebuana Lhuillier
  • Robinsons Department Store
  • The SM Store
  • Touchpay
  • Bayad Center
  • MSOA (e-statements)

Be pro-environment by having your bills delivered to your via email, instead of having it printed and mailed.

  • M Connect

This is a text, automated voice, and email payment verification service. All calls will be are personalized. Your identification will first be verified before information on your card and payment is shared.

Metrobank Credit Card Application

  • To apply for a credit card, visit https://metrobankcard.com/cards/ to choose your preferred card. You can also compare the cards’ features and fees.
  • Choose “Apply Now”
  • You will be directed to an application form. Fill in all the blanks with accurate information
  • Upload your valid ID, proof of income, and other supporting documents.
  • Tick the box to indicate that you agree with the Terms and Conditions
  • Click “Submit for Review”
  • Expect Metrobank to give you all call.

Need a short term personal loan with low interest rate and more flexible payment options? Cash Mart offers a personal loan with weekly, bi-weekly and monthly terms to better fit your financial needs. Receive your cash in 24 hours, just in time for your immediate needs. Visit cashmart.ph today and experience how online lending can change your borrowing experience.

 

 

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