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 Metropolitan Bank and Trust Company.

Metropolitan Bank and Trust Company 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 Fee (Principal and Supplementary)

Perpetually waived 

Retail Monthly Interest Rate / Finance Charge

3.00% Monthly Interest Rate (effective February 10, 2023)

Cash Advance Monthly Interest Rate

3.00% Monthly Interest Rate to be computed from the date when cash advance was availed (effective February 10, 2023)

Cash Advance Fee

PhP200 Per transaction regardless of cash advance amount

Minimum Amount Due

PhP850 or 3% of Outstanding Balance, whichever is higher

Late Payment Fee

PhP1,000 Unpaid Minimum Amount Due (MAD), whichever is lower

Overlimit Fee

PhP750 per occurrence 

Refund Fee

1% of the refund amount of PHP 100, whichever is higher, for every refund request

Account Maintenance Fee

PhP200 or an amount equivalent to te credit card blalance, whichever is lower will be charged monthly to accounts with overpayments that are closed or active accounts that have no activity for the past 12 months until the credit balance is zeroed out. 

Installment Pre-Termination Fee

PhP550 or 5% of the remaining principal balance, whichever is higher

Gaming Fee

5% of the amount transacted

Card Replacement Fee

PhP400 for every card replacement

Statement Reprinting Fee

PhP100 per request for printing and delivery of monthly statement

Bank Certification Fee

PhP100 per copy and delivery of the bank certificate 

Returned Check Fee

PhP1500 for every returned check

Installment Processing Fee

PhP350 will be charged for every approved Balance Transfer trasaction and P500 will be charged for every approved Balance Conversion transaction

Foreign Exchange Transactions

All charges, advances or amount in currencies other than Philippine Peso (PhP) shall be converted to PhP. Transactions in US Dollar, Hong Kong Dollar, Japanese Yen, Euro, Singapore Dollar, Australian Dollar, British Pound, Canadian Dollar, Chinese Yuan, Swiss Francs, and Danish Kroner shall converted using the foreign exchange selling rate of Metrobank on transaction posting date. Indicative rates are published on www. Transactions denominated in currencies other than the aforementioned shall be converted using Mastercard/Visa’s assessment fee plus 2.5% processing fee, the rate of which might 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 feed may also be charged to cover costs incurred to discharge the amount(s) due to Mastercard/Visa and /or the acquiring bank and/or merchant affiliates.


  • Payment of only the minimum amount due or any amount less than the total amount due for the billing cycle / period would result to the imposition of interest and/or other charges.
  • 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.

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.

  • Valid / Acceptable ID
    • Primary IDs
      1. PhilID and various formats of PhilSys Digital ID / e-PhilID
      2. Philippine Passport ID
      3. Digitized Driver’s License (Professional or Non-Professional) ID
      4. Professional Regulations Commission (PRC) ID
      5. Digitized Postal ID
      6. Digitized Social Security System (SSS) ID
      7. Digitized Unified Multi-Purpose ID
      8. Digitized Voter’s ID
      9. Digitized Overseas Workers Welfare Administration (OWWA) or Overseas Filipino Worker (OFW) ID
      10. Photo-bearing School ID Signed by the Principal or Head of School with Birth Certificate Issued by Philippine Statistics Authority (PSA) * Applicable to Filipino Students only
      11. Government Service Insurance System (GSIS) E-Card
      12. Digitized Pag-ibig Loyalty Card
      13. Digitized Tax Identification Number (TIN) ID
      14. Digitized Firearms License ID
      15. Integrated Bar of the Philippines (IBP) ID
      16. Digitized Seaman or Seafarer’s Book

  • Average daily balance (ADB) or total relationship balance (TRB) of at least PhP188,000 for the last 4 months
  • Have an existing credit card from other banks with a credit limit of at least PhP25,000 and date issued for at least 9 months.
  • Signed PSBank Credit Mastercard Application Form

a. Proof of Identification

  • List of Valid Government - Issued IDs:
    • PhilID and various formats of PhilSys Digital ID / e-PhilID
    • Company ID
    • Digitized Non-Professional / Professional Driver's License
    • Digitized Postal ID, As issued by the Philippine Postal Corporation (PPC)
    • Digitized Social Security System (SSS) or Digitized Unified Multi-Purpose ID (UMID)
    • Government Service Insurance System (GSIS) E-card
    • NBI Clearance
    • Overseas Workers Welfare Administration (OWWA) Overseas Filipino Workers (OFW) E-Card
    • Person with Disability (PWD) ID (still subject for approval)
    • PhilHealth Card
    • Philippine Government Issued Passport
    • Police Clearance
    • Professional Regulation Commission (PRC) License
    • Seafarer's Identification and Record Book (Seaman's Book), as issued by the Department of Transportation Maritime Industry Authority
    • Senior Citizen ID
    • Special Resident Retiree's VISA or SRRV Card (In Lieu of ACR / ACR I-Card)
    • Voter's 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


For more information:

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