Metrobank Credit Card

February 4th, 2009 posted by Philippines Review
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Classification of Metrobank Credit Card

What variations can you find in a Metrobank Credit Card application in the Philippines? How do you apply using online application form and what do you need to know as basics for credit card rewards, cash backs and so on? Some credit card companies and banks offer the visa, master, gold and the value mastercard. With the Metropolitan Banking Corporation, you can choose if you would like a Metrobank Unicard, Metrobank Visa, Metrobank Mastercard or the Metrobank Value Mastercard. But first step comes first. You must secure which among the list will suit you and your purchasing power perfectly based on what you can afford. There are other credit cards in the Philippines but you have to know each have its own purpose.

We all know that credit cards are used only to buy, therefore, the perfect credit card to choose for you will be based on your buying habits. This way, you will be able to manage well the expenses and overall cashflow you have at the end of the month when the bills come. The wisest way to get the perfect credit card is to know your buying power and not the credit card’s spending power.

The reason is because a person can spend as much as he or she wants anytime. But the question is, at the end of the day, were you wise enough to think and realize that you can only afford for a thousand pesos but spent 2 thousand using your credit card? If you can understand this question very well, then please proceed in applying for your Metrobank Credit Card type.

Metrobank today offers a new way to customize your credit card. They call it as the “designmycard“.This is where you can choose a personal photo or artwork to put in your card.

Among the 4 basic feature offers are:

‘M Here – This is all about offering freebies to card holders, privileges, discounts and perks just like any other international credit cards.

0% Installment Plan – Most department stores call this card capability as ZERO. This card has the purchasing power with no extra cost or you get the item and pay exactly as what it costs in the shelf or display.

Cash2Go B.E.A.T. Installment Plan – This is where instant and fast cash can come from for any occasion of sudden need for money. In view of wanting to provide instant cash to card holders, Metrobank gave this plus amenity. B.E.A.T. means, Big Events Affordable Terms.

Bill2Pay – Metrobank Credit Card holders through this incentive may enjoy utility payments anytime during banking hours whole year through which make it easy and convenient in paying your bills.

SwipeM – A venture to make things involving the use of Metrobank Credit Card into merchant acquiring and payment services.

Types of Metrobank Credit Card

Metrobank Femme Visa – The exclusive feature of this card are FREE quarterly beauty tips, women empowerment talks invitation and career advice. You can also get insurance coverage worth Php 200,000 as personal accident insurance program for only Php 500.00 and FREE quarterly supply of Metro Magazine for a Php 5,000.00 worth of usage of your Femme Visa Card within the first 3 months from opening date.

Metrobank Dollar Mastercard -  With this card, you can get billed in dollar currency plus free travel insurance when you purchase your airline ticket using this card. Extras include the ability to share supplementary cards and you can also be able to pay the bills.

Go! Mastercard – With this credi card, you can earn DOUBLE the points as long as you use your Go! MasterCard on strolls and shopping at Robinsons, fly Cebu Pacific as well as use it at Wallis, Dorothy Perkins, Warehouse, Topman, Topshop and Handyman branches. The points that you earn using this card also entitles you to redeem a fly for FREE at Cebu Airlines flights orGo! cash cards plus value added services and bills to pay capabilities.

M Lite and M Free Mastercard – The Metrobank M Lite MasterCard is the most ideal credit card for those who are savvy spenders aiming for better finance management while the Metrobank’s M Free MasterCard is what we call as the credit card with no annual fee and no frills. Features include no annual fee as this is waived. Use this card with partner establishments and you get free gifts deals and discounts. Same privileges perks and value added services may be enjoyed using this cards.

Designmycard – This entitles you to personalize your card with preferred photo and art design in it when you visit at designmycard.com.ph.

Metrobank Credit Card Classic Gold – For every Php 20.00 you spend using this card you earn 1 point. The points may be used to redeem premium items or an air miles from (PAL) Philippine Airlines, Singapore Airlines or Cathay Pacific Airlines. Same perks, privileges and value added services amenity is enjoyed like other cards by Metrobank.

Metrobank Platinum Mastercard – Higher credit limit with preferential finance charge of only 2.75% instead of the standard 3.50%. You get a privilege to 24/7 worldwide range of concierge service on any credit card related need. This includes medical care, business arrangements and your own personal shopping spree. 1 point is earned for every Php20.00 spending with the use of Metrobank Platinum MasterCard. The points may be redeemed as premium items or air miles from 3 major airlines such as Cathay Pacific, Philippine Airlines or Singapore Airlines.

Cash Advance System – In Metrobank Credit Card cash advance program, you can enjoy getting a cash advance with a limit of up to 50% of your approved credit limit. (Note: this cash advance is subject to a 5% cash advance fee)

24/ 7 Customer Service – For any customer assistance need, you may call 8-700-700 or 1-800-1-888-5775 (domestic toll-free) when outside Metro Manila. Platinum cardholders may otherwise call numbers 8-700-707 or 1-800-1-888-5775 or +800-8700-0707 (international toll-free).