Interest Rates and Fees Table: Metrobank Credit Cards



We continue our Credit Cards series here in PinoyMoneyTalk with a listing of fees and charges for all Metrobank credit cards.

Metrobank credit card Annual FeesWe 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 CardFinance ChargeLate Charge
Metrobank Femme Visa3.5% monthlyPHP600 or 7.5% of the minimum amount due, whichever is higher
Metrobank Classic / Gold3.5% monthlyPHP600 (Classic) / PHP500 (Gold) or 7.5% of the minimum amount due, whichever is higher
Platinum Peso MasterCard3.5% monthlyPHP500 or 7.5% of the minimum amount due, whichever is higher
World MasterCard3.5% monthlyPHP500 or 7.5% of the minimum amount due, whichever is higher
Metrobank Dollar MasterCard2.75% monthlyUSD10 or 7.5% of the minimum amount due, whichever is higher
M Free MasterCard3.5% monthlyPHP700 or 7.5% of the minimum amount due, whichever is higher
M Lite MasterCard2.49% monthlyPHP700 or 7.5% of the minimum amount due, whichever is higher
Metrobank ON Internet MasterCard3.5% monthlyPHP600 or 7.5% of the minimum amount due, whichever is higher
Robinsons-Cebu Pacific MasterCard Classic3.5% monthlyPHP600 or 7.5% of the minimum amount due, whichever is higher
Robinsons-Cebu Pacific MasterCard Gold3.5% monthlyPHP500 or 7.5% of the minimum amount due, whichever is higher
Toyota MasterCard3.5% monthlyPHP600 or 7.5% of the minimum amount due, whichever is higher

Metrobank Credit Cards — Overlimit Fee and Retail Monthly Effective Interest Rate

Metrobank Credit CardOverlimit FeeRetail Monthly Effective Interest Rate
Metrobank Femme VisaPhp500 per occurrence3.54% based on actual calendar days
Metrobank Classic / GoldPhp500 per occurrence3.54% based on actual calendar days
Platinum Peso MasterCardPhp500 per occurrence3.54% based on actual calendar days
World MasterCardPhp500 per occurrence3.54% based on actual calendar days
Metrobank Dollar MasterCardUSD10 per occurrence3.54% based on actual calendar days
M Free MasterCardPhp700 per occurrence3.54% based on actual calendar days
M Lite MasterCardPhp700 per occurrence2.78% based on actual calendar days
Metrobank ON Internet MasterCardPhp500 per occurrence3.54% based on actual calendar days
Robinsons-Cebu Pacific MasterCard ClassicPhp500 per occurrence3.54% based on actual calendar days
Robinsons-Cebu Pacific MasterCard GoldPhp500 per occurrence3.54% based on actual calendar days
Toyota MasterCardPhp500 per occurrence3.54% based on actual calendar days

Metrobank Credit Cards — Cash Advance Fees

Metrobank Credit CardCash Advance Monthly Effective Interest RateCash Advance Fee
Metrobank Femme Visa3.96% based on actual calenday days and Cash Advance FeePHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013)
Metrobank Classic / Gold3.96% based on actual calenday days and Cash Advance FeePHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013)
Platinum Peso MasterCard3.96% based on actual calenday days and Cash Advance FeePHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013)
World MasterCard3.96% based on actual calenday days and Cash Advance FeePHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013)
Metrobank Dollar MasterCard3.97% based on actual calenday days and Cash Advance FeeUSD8 or 3% of the cash amount availed, whichever is higher. Additional USD10 if transacted over-the-counter (effective April 1, 2013)
M Free MasterCard3.96% based on actual calenday days and Cash Advance FeePHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013)
M Lite MasterCard3.71% based on actual calendar days and Cash Advance FeePHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013)
Metrobank ON Internet MasterCardNoneNone
Robinsons-Cebu Pacific MasterCard Classic3.96% based on actual calenday days and Cash Advance FeePHP500 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 Gold3.96% based on actual calenday days and Cash Advance FeePHP500 or 3% of the cash amount availed, whichever is higher. Additional PHP500 if transacted over-the-counter (effective April 1, 2013)
Toyota MasterCard3.96% based on actual calenday days and Cash Advance FeePHP500 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 CardCard Replacement FeeAccount Maintenance Fee
Metrobank Femme VisaPhp400PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)
Metrobank Classic / GoldPhp400PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)
Platinum Peso MasterCardPhp400PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)
World MasterCardPhp400PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)
Metrobank Dollar MasterCardUSD10USD4 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)
M Free MasterCardPhp400PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)
M Lite MasterCardPhp400PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)
Metrobank ON Internet MasterCardPhp400PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)
Robinsons-Cebu Pacific MasterCard ClassicPhp400PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)
Robinsons-Cebu Pacific MasterCard GoldPhp400PHP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)
Toyota MasterCardPhp400PHP200 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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