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• All 0% Shop Now Pay Later transactions will be billed to the cardholder’s account starting the third (3rd) statement cycle based on the original Shop Now Pay Later transaction date and every month thereafter until the total amount payable is paid in full.

  To further illustrate:

  • If purchase is made before cut-off date, billing will be deferred for 2 months.

  • If purchase is made after cut-off date, billing will be deferred for 3 months.

• Splitting of transactions is prohibited and shall not be allowed for redemption. Splitting is defined as an intentional act of dividing a merchant installment transaction into multiple charge slips to redeem more than one reward incentive. Presumption of split transactions is having 2 or more transactions in one merchant outlet or establishment over one and the same product, and the interval of these transactions were made within 5-10 minutes.

• 0% Installment Terms and Conditions:

  • Full installment amount under the Metrobank 0% installment program shall be deducted from the cardholder’s available credit limit through Osim Point-Of-Sale Terminal.

  • All installment purchases are subject to the terms and conditions governing the issuance and use of Metrobank credit cards and all related provisions of Metrobank credit card’s 0% installment program.

  • All 0% installment purchase/s are subject to Metrobank’s approval and only valid if monthly dues are paid in full.

  • Only 0% installment purchases for 24 months or Shop Now, Pay Later are qualified for this promo. Other tenors and straight transactions are excluded.

• The promo is non-transferable, non-cumulative, cannot be exchanged for cash or other products and cannot be used in conjunction with any other discounts, promotions, fixed price items, unless otherwise provided.

• The use of the Metrobank credit card in connection with this promo is subject to the terms and conditions governing the issuance and use of Metrobank credit cards.

• Metrobank reserves the right to disqualify a previously approved transaction subsequently cancelled or charged back within the promo period. Should a cardholder receive the discount, but was later on deemed unqualified for not meeting the requirements of the promo due to disputes arising from, but not limited to, erroneous, invalid, fraudulent or unauthorized transactions, the cost of the discount shall be charged by Metrobank to the cardholder’s credit card account.

• Any amendment in the terms and conditions is subject to DTI approval.

• The terms and conditions governing the issuance and use of Metrobank credit cards, reminders and other provisions contained in the card carrier, statement of account, charge slips and other documents or instruments, which are made an integral part hereof by reference, shall likewise be resorted to in instances where they are applicable in this promo.

• Any dispute concerning the products or services related to the promo shall be settled directly between the cardholder and Osim with the concurrence of the DTI. Osim agrees to hold Metrobank free and harmless from any liability in the event of such dispute.

• In case of dispute in respect of Metrobank only and the cardholder’s availment of the promo, the decision of Metrobank, with the concurrence of the DTI, shall be considered final.

• By joining or availing of this promo, the cardholder confirms that he/she has read, understood and agreed to the promo mechanics and its terms and conditions.

• For any questions or clarifications, please contact Metrobank at 88700-700 or e-mail customerservice@metrobankcard.com

• Metrobank is regulated by the Bangko Sentral ng Pilipinas.

METROBANK CREDIT CARDS

Terms & Conditions

Per DTI Fair Trade Permit No. FTEB-262684, Series of 2026. Promo Reference No. CCPD26-306

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