5% rebate with your Cashback Visa credit card

NO outstore spend required on everyday essentials and more.

Promo Mechanics

DEFINITION

1. “2026 Metrobank Cashback Platinum Visa Program” (the “Promo”) refers to the rebate promo of Metropolitan Bank & Trust Company (“Metrobank”) that may be participated in by New-to-Bank principal cardholders, and existing primary and supplementary cardholder which are subject to the card’s terms and conditions;

2. “Cashback Program” refers to the rebate program of Metropolitan Bank and Trust Company that may be participated in by Primary and Supplementary cardholders and which are subject to the card’s terms and conditions.

3. “Card” refers to the Metrobank Cashback Visa credit card issued by Metropolitan Bank and Trust Company.

4. “Cardholder” refers to the person to whom or for whose use a Card was issued by Metropolitan Bank and Trust Company

5. “Principal Cardholder” refers to the Cardholder in whose name the credit card account is maintained

6. “Supplementary Cardholder” refers to the Cardholder to whom a Card was issued as an extension of the Primary Cardholder

7. "Cash Rebate” refers to the rebate earned through usage of the Metrobank Cashback Visa as specified in the Terms and Conditions which can be redeemed as may be determined by the Bank in its absolute discretion

8. “Merchant Category” means the classification of each merchant establishment as determined by the acquiring bank based on the nature of merchant’s business.

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ELIGIBITY AND REDEMPTION OF REBATES

1. The Metrobank 2026 Cashback Platinum Visa No Outstore Spend Promo (the “Promo”) shall run from August 15, 2026 to September 3, 2027 (“Promo Period”).

2. The Metrobank 2026 Cashback Platinum Visa No Outstore Spend Promo open to all existing principal and supplementary Metrobank Cashback Visa cardholders of good credit standing and New-to-Bank principal cardholders acquired during the promo period.

   • Good credit standing refers to Cardholders whose accounts are not delinquent, not under investigation due to suspected fraudulent activities, those whose Metrobank credit cards are not reported lost or stolen, and those who have not, otherwise, violated any of the Terms and Conditions Governing the Issuance and Use of Metrobank Credit Cards.

3. A cardholder will earn cash rebates at the following rates for purchases of goods or services charged to the Metrobank Cashback Visa card while the card is open, remains in good credit standing and is currently within terms and conditions:

   • 5% Cashback on all supermarket/grocery, telecom (eg. cable, streaming services), school and bookstore spend (the following mcc codes)

*No Additional spend required from other categories to avail of the 5% Rebate

• 0.2% cashback on all other retail purchases (excluded from rebate earning: quasi cash transactions e.g loading of e-wallet – Lazada, Shopee Pay, Gcash, Maya etc.; gaming or gambling transactions, cryptocurrency transactions, remittances, and all fees and charges, unless otherwise expressly stated by Metrobank).

Transaction Period: August 4, 2026 to September 3, 2027

*Upon the end of the Promo Period, the standard cashback earning mechanics under the  Metrobank Cashback Visa Rebate Program | Metrobank shall apply.

• The cash rebates earned in the current cardholder’s statement will be posted and reflected in the succeeding statement of account.

• The rebate amount shall be computed on a per transaction basis and shall be rounded off to the nearest peso.

• The maximum cash rebate that can be earned under the Cashback Program is P1,000 per statement cycle only; or up to P12,000 rebate annually)

• The following transaction types are not eligible to earn Rebates:

  • Cash advances, Cash2Go, Balance Transfer, Conversion to Installment, and restructure payment programs (e.g. Easy Installment)

  • PayBills and PayNow transactions via Metrobank Online or the Metrobank App

  • Casino, betting, and gambling related transactions, including those classified under Gambling/Casino MCCs: 7995, 7801, 7802, 7800, 9406

  • Cryptocurrency transactions

  • Remittance, cash transfer, and quasi-cash transactions, including e-wallet top-ups (e.g., Maya, GCash, GrabPay Wallet, and other e-wallet loading) covered under Quasi-Cash MCCs: 4829, 6050, 6051, 6532, 6533, 6536, 6537, 6538, 6540, 6760, 8651, 9405, 9411

  • Government-related transactions, including but not limited to tax payments, government service payments, and refund of taxes credited back to the Card, typically classified under Government Services MCCs such as 9211, 9222, 9223, 9311, 9399, and other similar classifications as determined by Metrobank; and,