Metrobank – Cards and Personal Credit (2024)

FAQs

Can I use my Metrobank Philippines credit card abroad? ›

When you travel abroad you can use your Personal or Business Metro Bank debit or credit card to pay for everything you need. You can use your card everywhere that you see the MasterCard logo to pay for goods or withdraw cash.

Metrobank Credit Cards

Enjoy all the benefits that our credit cards have to offer. Whether you're a rewards collector, a food lover, a frequent traveler we have the card that's right for you.

Metrobank M Free Mastercard

Now you're free to enjoy the pleasures and privileges of the metro! With your Metrobank M Free Mastercard, you can enjoy the benefits of using a credit card without the need of paying the annual fees.

You can use your Metro Bank Debit or Credit Card wherever you see the MasterCard logo. MasterCard® is a registered trademark of MasterCard International Incorporated.

Most major credit cards are accepted with Visa and MasterCard being the most widely so. AmEx is also accepted in a few places in the major tourist areas, but will not be quite as useful. Credit cards are only really accepted in expensive hotels, shops or restaurants or for large purchases.

Live conveniently with a Metrobank Debit Card

Pay bills and shop online with your Metrobank debit account and prepaid cards and enjoy the convenience, security, and exclusive perks.

The Metro Bank MasterCard® cards come with the PayPass™ feature. This means they contain secure contactless technology that lets you pay without the need to enter your PIN. To start using it straight away you'll need to make one Chip and PIN transaction.

Over the years, Unicard evolved from a locally accepted card to an internationally recognized credit card when it rode on the Mastercard scheme in 1994 and the Visa scheme in 1998. The company changed its name to Metrobank Card Corporation after a merger with AB Card and Solid Card on June 4, 2002.

PNB Debit MasterCard - Philippine National Bank. PNB Debit MasterCard is a PIN-based ATM Card which provides 24/7 banking convenience using various channels. The card can be used across the globe wherever MasterCard and Maestro is accepted. It can be used for cashless purchases at over 32 million shops worldwide.

How much is the limit in Metrobank? ›

For added security, Metrobank will set a daily limit for bill payment transactions at PHP 250,000 per account starting April 14, 2023.

Please inform us through our Customer Service Hotline at 88-700-700 or through our domestic toll free hotline 1800-1888-5775. Alternatively, you may activate your new cards on your own through the traditional channels (see end of FAQs). Are there other ways that I can activate my card?

Instantly send money using your Metrobank credit card to any Bank or GCash accounts with PayNow! Select PayNow and log in with your credit card details and enter the (OTP) One-Time Password sent to your mobile number linked to your credit card.

Use the Metrobank Mobile App to pay your bills, credit card, association fees, and insurance policies. You can also use this feature to fund your investment accounts. Learn how.

Upon submission of your fully accomplished application form and requirements, your credit card application will be evaluated and processed within 2-3 weeks. To check the status of your application, you may call our 24-Hour Customer Service Hotline at 88-700-700 or via the Domestic Toll-free number at 1-800-1-888-5775.

To open an account, visit the nearest Metrobank branch and bring one photo-bearing ID with your signature, as well as your initial deposit. See our complete list of valid IDs, deposit and interest rates, and fees. Start your savings journey and open a Metrobank savings account today.

Visa, Mastercard and American Express credit cards are all widely accepted in the USA, though you should be aware that payment methods differ slightly from those in the UK.

The Metrobank Group has a combined network of over 800 local and international branches/offices, remittance offices and subsidiaries worldwide.

Can I use a credit card abroad? If you're asking yourself, “can I use a credit card abroad?" the answer is, most often, yes. You may also be able to use your credit card to withdraw cash at most ATMs overseas, which may come along with fees.

Yes. Cards issued by U.S. Bank can be used in most foreign countries for transactions.

Can I send money to Philippines using my credit card? ›

You can send money overseas or within the U.S. using a credit card. The catch is that there are additional fees such as cash advance fees, transfer fees, and an exchange rate markup.

MetroBank, the subsidiary of MetroCorp Bancshares, an American bank based in Houston, Texas.

Anywhere convenience

Tap to pay or make purchases online when you're here or abroad.

Metrobank Travel Platinum Visa

Your complete travel card that lets you earn miles fast at 1 mile per P17* spend on airlines, hotel accommodations, and foreign currency transactions.

Live boldly with a Metrobank debit card

Enjoy the life you've always wanted and live without any restraints with Metrobank's savings account with a debit card.

Metro Bank has achieved the top spot in the Competition and Market Authority's (CMA) latest Service Quality Survey for overall service to its personal current account customers for the eighth time running. Metro Bank is: The highest rated high street bank for overall service quality for personal and business customers.

Send money from abroad to non-Metrobank accounts. Beneficiaries can receive remittance within 24 hours.

Metrobank M Free Mastercard. If you want the best credit card for beginners, the M Free Mastercard makes the ideal choice. Metrobank doesn't charge an annual fee on this card, so you can save money in the process.

Anyone can open a bank account in the Philippines. In the past, non-residents, including those holding a temporary visitor's visa, couldonly open a foreign currency deposit account, or a peso account funded by foreign currency deposits converted to peso.

Will my American debit card work in the Philippines? ›

It is possible to use an American debit or credit card in the Philippines, but it's important to check with your bank to make sure that your card is accepted and to understand any associated fees or charges. Many merchants in the Philippines accept major credit cards, such as Visa, Mastercard, and American Express.

Visa and Mastercard are widely accepted in the Philippines. Discover cards have 'moderate' acceptance rates - you can use them at Citibank, SB Card, and BDO Unibank ATMs, but not elsewhere. Amex cards can be used in BDO ATMs, so if that's your main card you'll want to get familiar with local branches.

Your credit limit is determined by good paying habits, not wealth. Honest and thoughtful observation of personal spending habits is a necessity. You have the option to increase or decrease your credit limit.

you can find ATMs near you through our website at. https://metrobank.com.ph/atm-and-branch-locator. You can withdraw up to PHP 50,000 daily limit per. account.

You can withdraw a maximum of £300 a day from cash machines using your cash card. You can also take money out in store – a maximum of £300 a day if you're aged between 11 and 15 and up to £1,000 if you're 16 or over. If you want to withdraw more than £1,000 you'll need to give us one weekday's notice.

For Foreigners, any of the following:

Proof of Income or Employment AND a Copy of Alien Certificate of Registration(ACR)/ Immigration's Certificate of Residence (ICR) or VISA.

How would I know if my debit, credit or ATM card is accepted overseas? Check if your ATM card has a Visa or PLUS logo. If it does, it will be accepted at any ATM that is marked with the same logos.

Yes! It's hugely important for customers to inform their bank of their travel plans in advance. This helps to protect against fraudulent activity and ensures that you have access to your funds while you are away. Be aware of any limits on the amount of money that can be withdrawn or spent while you are abroad.

Bottom Line. Cash advances and balance transfer checks are two ways to transfer money from a credit card to a bank account but should only be used as a last resort. Of the two, a balance transfer check, especially if it carries an 0% APR promo rate, is a much better option.

How to convert credit card to cash? ›

No initial deposit required. *PHP 500 required maintaining balance starts on the 12th month from the time of account opening.

Card Security and Secure online Shopping

Your online shopping is secured! A unique 6-digit One-time PIN (OTP) will be sent to your registered mobile phone when you use your Metrobank credit card in participating online merchants.

When you travel abroad you can use your Personal or Business Metro Bank debit or credit card to pay for everything you need. You can use your card everywhere that you see the MasterCard logo to pay for goods or withdraw cash.

If you want to apply for Metrobank Cashback Visa, your minimum gross annual income should be at least P350,000. The annual fee is P3,500, and it's waived for the first year. Remember that you only earn cashback from this credit card, so don't expect any rewards or air miles points whenever you use it.

No Annual Fee

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Most credit and debit cards that Filipinos now carry are affiliated with international payment networks like Mastercard^® and Visa, which are used all over the world. Check if your credit card provider has special deals for overseas spending like air miles, duty-free shopping, or discounts.

Please inform us through our Customer Service Hotline at 88-700-700 or through our domestic toll free hotline 1800-1888-5775. Alternatively, you may activate your new cards on your own through the traditional channels (see end of FAQs).

Visa and Mastercard are the most widely accepted throughout the world. If a business accepts credit cards, your Visa or Mastercard will likely work fine. The other two — American Express and Discover — do have a global footprint, but they are accepted at far fewer merchants.

Can I use my credit card while abroad? ›

You can use your credit card in most countries around the world, much as you would at home in the UK, making it easy to pay for the things you need now and spread the costs over time. It's just important to understand any extra costs which could apply to your transactions, increasing the cost of any borrowing.

magnetic stripe at the back of your card (“Magnetic Stripe Transactions”) or by (ii) reading the EMV chip in your card (“EMV Chip Transactions”). If you have not activated the overseas usage feature, Magnetic Stripe Transactions on your Card cannot be processed.

Can I use my credit card overseas? Mastercard and Visa cards are accepted in over 40 million establishments worldwide. Look for the logo. Inform us of your travel plans to ensure that the card transactions made within and outside the country are valid and authorized by you.

The Metrobank foreign currency account is designed for all your savings in other currencies. The interest rates, balance requirements, and fees depend on the denomination you wish to deposit to your savings account for foreign currency.

Visa, Mastercard, American Express, and Discover credit cards can be used internationally, though Visa and Mastercard are the most widely accepted abroad. The best type of credit card for international use is a Visa or Mastercard credit card with no foreign transaction fees.

You're not required to notify your credit card company when you're going away on vacation, but it is highly recommended. By letting your credit card company know where you're going and for how long, your company will know that any card transactions from that location were likely authorized by you.

Visa and Mastercard are by far the most widely accepted cards, with Discover slightly behind those brands and American Express in a distant fourth place. Any retailer that accepts card payments likely takes Visa and Mastercard. In terms of the number of countries serviced, Discover lags behind the other three cards.

Yes! It's hugely important for customers to inform their bank of their travel plans in advance. This helps to protect against fraudulent activity and ensures that you have access to your funds while you are away. Be aware of any limits on the amount of money that can be withdrawn or spent while you are abroad.

Credit cards typically provide better exchange rates than what you'll get from ATM machines and currency stands. Depending on your card issuer, your purchases might automatically qualify for insurance. This coverage doesn't simply apply to consumer goods — it also covers travel delays and lost luggage.

Is it better to use a bank card or credit card abroad? ›

Credit card transaction fees are typically higher than debit cards. Shops may charge a fee, and banks may charge a conversion fee for the payment. If the merchant hasn't displayed fee notices, travelers should inquire with the staff. Credit cards may be subject to ghost charges or temporary holds.