We continue our Credit Cards series here in PinoyMoneyTalk with a listing of fees and charges for all Metrobank credit cards.
We know that it is expensive to maintain a credit card, so so make sure you manage your finances properly!
Here is a listing of interest charges and other fees applicable to all Metrobank credit cardholders.
(See also: Annual Membership Fees of Metrobank credit cards)
Metrobank Credit Cards — Finance and Late Charges
| Metrobank Credit Card | Finance Charge | Late Charge |
|---|---|---|
| Metrobank Femme Visa | 3.5% monthly | PHP600 or 7.5% of the minimum amount due, whichever is higher |
| Metrobank Classic / Gold | 3.5% monthly | PHP600 (Classic) / PHP500 (Gold) or 7.5% of the minimum amount due, whichever is higher |
| Platinum Peso MasterCard | 3.5% monthly | PHP500 or 7.5% of the minimum amount due, whichever is higher |
| World MasterCard | 3.5% monthly | PHP500 or 7.5% of the minimum amount due, whichever is higher |
| Metrobank Dollar MasterCard | 2.75% monthly | USD10 or 7.5% of the minimum amount due, whichever is higher |
| M Free MasterCard | 3.5% monthly | PHP700 or 7.5% of the minimum amount due, whichever is higher |
| M Lite MasterCard | 2.49% monthly | PHP700 or 7.5% of the minimum amount due, whichever is higher |
| Metrobank ON Internet MasterCard | 3.5% monthly | PHP600 or 7.5% of the minimum amount due, whichever is higher |
| Robinsons-Cebu Pacific MasterCard Classic | 3.5% monthly | PHP600 or 7.5% of the minimum amount due, whichever is higher |
| Robinsons-Cebu Pacific MasterCard Gold | 3.5% monthly | PHP500 or 7.5% of the minimum amount due, whichever is higher |
| Toyota MasterCard | 3.5% monthly | PHP600 or 7.5% of the minimum amount due, whichever is higher |
Metrobank Credit Cards — Overlimit Fee and Retail Monthly Effective Interest Rate
| Metrobank Credit Card | Overlimit Fee | Retail Monthly Effective Interest Rate |
|---|---|---|
| Metrobank Femme Visa | Php500 per occurrence | 3.54% based on actual calendar days |
| Metrobank Classic / Gold | Php500 per occurrence | 3.54% based on actual calendar days |
| Platinum Peso MasterCard | Php500 per occurrence | 3.54% based on actual calendar days |
| World MasterCard | Php500 per occurrence | 3.54% based on actual calendar days |
| Metrobank Dollar MasterCard | USD10 per occurrence | 3.54% based on actual calendar days |
| M Free MasterCard | Php700 per occurrence | 3.54% based on actual calendar days |
| M Lite MasterCard | Php700 per occurrence | 2.78% based on actual calendar days |
| Metrobank ON Internet MasterCard | Php500 per occurrence | 3.54% based on actual calendar days |
| Robinsons-Cebu Pacific MasterCard Classic | Php500 per occurrence | 3.54% based on actual calendar days |
| Robinsons-Cebu Pacific MasterCard Gold | Php500 per occurrence | 3.54% based on actual calendar days |
| Toyota MasterCard | Php500 per occurrence | 3.54% based on actual calendar days |
Metrobank Credit Cards — Cash Advance Fees
| Metrobank Credit Card | Cash Advance Monthly Effective Interest Rate | Cash Advance Fee |
|---|---|---|
| Metrobank Femme Visa | 3.96% based on actual calenday days and Cash Advance Fee | PHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013) |
| Metrobank Classic / Gold | 3.96% based on actual calenday days and Cash Advance Fee | PHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013) |
| Platinum Peso MasterCard | 3.96% based on actual calenday days and Cash Advance Fee | PHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013) |
| World MasterCard | 3.96% based on actual calenday days and Cash Advance Fee | PHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013) |
| Metrobank Dollar MasterCard | 3.97% based on actual calenday days and Cash Advance Fee | USD8 or 3% of the cash amount availed, whichever is higher. Additional USD10 if transacted over-the-counter (effective April 1, 2013) |
| M Free MasterCard | 3.96% based on actual calenday days and Cash Advance Fee | PHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013) |
| M Lite MasterCard | 3.71% based on actual calendar days and Cash Advance Fee | PHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013) |
| Metrobank ON Internet MasterCard | None | None |
| Robinsons-Cebu Pacific MasterCard Classic | 3.96% based on actual calenday days and Cash Advance Fee | PHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013) |
| Robinsons-Cebu Pacific MasterCard Gold | 3.96% based on actual calenday days and Cash Advance Fee | PHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013) |
| Toyota MasterCard | 3.96% based on actual calenday days and Cash Advance Fee | PHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013) |
Metrobank Credit Cards — Card Replacement Fee and Account Maintenance Fee
| Metrobank Credit Card | Card Replacement Fee | Account Maintenance Fee |
|---|---|---|
| Metrobank Femme Visa | Php400 | PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
| Metrobank Classic / Gold | Php400 | PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
| Platinum Peso MasterCard | Php400 | PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
| World MasterCard | Php400 | PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
| Metrobank Dollar MasterCard | USD10 | USD4 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
| M Free MasterCard | Php400 | PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
| M Lite MasterCard | Php400 | PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
| Metrobank ON Internet MasterCard | Php400 | PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
| Robinsons-Cebu Pacific MasterCard Classic | Php400 | PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
| Robinsons-Cebu Pacific MasterCard Gold | Php400 | PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
| Toyota MasterCard | Php400 | PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts) |
Take note: it is expensive to maintain a credit card, so we want you to be aware of all fees and charges associated with using your credit card!
So use your credit cards wisely!
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