The PSBank Credit Mastercard is one simple card that takes care of your needs and helps you manage your expenses. A card you can enjoy for free, for life!

The PSBank Credit Mastercard is a card with no annual fee for life.  It allows you to pay for your simple needs and helps you manage your expenses. It offers flexible payment schemes, installment programs, and exclusive perks and privileges that give more value for your money.

Go to any PSBank branch or call our Customer Experience hotline to apply for a PSBank Credit Mastercard now!



The PSBank Credit Mastercard is a cross selling arrangement between Philippine Savings Bank and Metrobank Card Corporation (MCC).

Metrobank Card Corporation (MCC), a joint venture between Metrobank and Australia and New Zealand Banking Group Limited (ANZ), offers a range of credit card products suitable to meet the payment needs of the Philippine market. Cardholders can enjoy increased spending power and international purchasing convenience with acceptance in over 23 million establishments worldwide.


  • No annual fee for life.
  • Chip card technology. The PSBank Credit Mastercard has an embedded chip that protects your credit card from fraud due to cloning – an occurrence when the personal and account information are copied and transferred to a fake card.
  • Value Added Services
    • Supplementary cards: Share your credit card benefits with loved ones while managing their spending.

    • Balance Transfer: Improve your cash flow by consolidating your card balances to the PSBank Credit Mastercard.  Easy installment terms at 6, 9, 12, 18 and 24 months.

    • Cash Rush: Cash advance when the need arises. Cash is received any time at any PSBank ATM or Metrobank ATM or any ATM with a Mastercard/Cirrus symbol, here and abroad.  You can call to inquire about the Cash Advance PIN at 88-700-772.

    • Convenient payment channels:
      • Branch Payments:  PSBank and Metrobank
      • PSBank Online and PSBank Mobile
      • For BancNet Member Bank Depositors: BancNet ATMs, BancNet Online
      • MegaLink ATMs

Worldwide Acceptance

Accepted in over 23 million outlets worldwide that display the Mastercard/Visa logo.

0% Installment Program

0% installment program from a wide range of merchant establishments. The installment facility can be used to pay for big ticket items like appliances, gadgets, tuition, hospital bills, travel fare and accommodations at 3, 6, 9, 12, 18 and 24 monthly installment terms.

24-Hour Customer Service

There’s nothing like the assurance of having a dedicated Customer Service Officer to take care of you.  Whether here or abroad, whatever credit card concerns may be, you can call MCC’s 24-hour Customer Service at 88-700-772.  If you are outside Metro Manila, just dial the domestic toll-free number at 1-800-10-8700-772 or the international toll-free number at +800-8700-0707.

Secure Online Shopping

Protect your card from unauthorized purchase when shopping online with this FREE service that requires a password and unique message to authorize purchases.

Paperless Statements (MSOA)

Receive your monthly statement of account via your nominated email address.


The ‘M TXT facility lets you know your available credit limit, statement balance and outstanding balance at the push of a button.  To access the ‘M TXT service:

1. The following are keyed in:

For Available Credit Limit “AVAIL(space)(card number)
For Statement Balance “SBAL(space)(card number)
For Outstanding Balance “OBAL(space)(card number)

2. Send to:

Sun (63922) 876-6898
Globe (63917) 521-6898
Smart (63918) 963-6898


Annual membership fee

Perpetually waived

Retail monthly effective interest rate


Cash advance monthly effective interest rate


Cash advance fee

PhP500 or 3% of the cash advance amount availed, whichever is higher. Additional PhP500 if transacted over-the-counter

Card replacement fee


Overlimit fee

PhP700 per occurrence

Late charges

PhP700 or 7.5% of the minimum amount due, whichever is higher

Installment pre-termination  fee 

5% of the remaining principal balance of PhP500 whichever is higher

Returned check fee

PhP1,000 for every returned check

Account maintenance fee

PhP200 or an amount equivalent to the credit balance, whichever is lower (for closed accounts)

Gaming services transaction fee

5% of the amount transacted

Statement reprinting fee

PhP100 per request for printing and delivery of monthly statement

Multiple payment fee

PhP50 each payment made in excess of two within a calendar month

Third currency conversion rate

All charges, advances or amounts in currencies other than Philippine Peso (PhP) shall be converted to PhP based on MasterCard's currency conversion rate at the time of the posting and charged MasterCard's assessment fee plus 2.50% processing fee, the rate of which may be adjusted from time to time. The assessment fee shall likewise apply to transactions involving foreign currencies converted to PhP at point of sale whether executed in the Philippines, abroad or online. Service fees may also be charged to cover cost incurred to discharge the amount(s) due MasterCard and/or the acquiring bank and/or foreign merchant affiliates.

Note: All aforesaid fees and charges will take effect immediately and may be cancelled or modified anytime at the Bank’s sole discretion without any prior notice.

a. Proof of Identification

List of Acceptable ID's

Passport PhilHealth Card
Driver’s License Voter’s ID
Police Clearance NBI Clearance
Social Security System (SSS) Senior Citizen’s Card
Professional Regulations Commission (PRC) ID Company ID
Social Security System (SSS) ID Postal ID
Government Service and Insurance System (GSIS) ID  

b. Proof of Income/Documentation

List of Acceptable Documents:

For Employed

  • Copy of latest Income Tax Return (ITR) duly stamped as received by the BIR or its authorized agent (BSP Circular No. 622 as amended) and/or the employee’s copy of BIR Form 2316 duly signed by the employer (Minimum Gross Basic Annual Income of PhP180,000).
  • As per BSP Circular No. 622, in the absence of an ITR/W2, payslip for the last 3 months from date of application.

May also submit the following requirements to expedite application:

  • Certificate of Employment (Only for Top 1,000 Corporations – must contain name, position, date of employment and Minimum Gross Annual Income of PhP180,000)
  • Payslip for the last three (3) months

Billing Statement of other banks’ credit card/s (must be at least one 1 year as principal cardholder)

For Self- Employed

  • Copy of latest Audited Financial Statement (for the past year with at least PhP180,000 annual taxable income) with bank or BIR Stamp as required by BSP.
  • Copy of SEC or DTI business registration.

Copy of SEC or DTI business registration.

For Foreigners

  • Copy of Visa
  • Copy of Alien Certificate of Registration (ARC)
  • Immigrant's Certificate of Residence


Truth and Transparency in Lending
Enhanced Implementation of the Truth in Lending Act (Republic Act 3765)

The State protects its citizen from a lack of awareness of the true cost of credit to the customer by assuring a full disclosure of such cost and other terms and conditions with a view of preventing the uninformed use of credit.

As such, a disclosure statement is a required attachment to the loan contract. It shall include, at a minimum, the following information:

1.) Total amount to be financed
2.) Finance Charges and all other charges incident to the loan
3.) Net proceeds of the loan
4.) Schedule of Payments
5.) The percentage that the finance charge bears to the total amount to be financed expressed as an Effective Interest Rate (EIR)

Important Notice: The Bank is required to provide the borrower a copy of the disclosure statement prior to the consummation of the credit transaction.

For more information:

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