Metrobank is ending the year with a treat, and if you’re planning big holiday purchases or installment deals, this is one of the easiest ways to earn extra rewards.
By simply registering and using your Metrobank credit card for eligible 0% installment or BNPL transactions, you can score up to ₱15,000 worth of eGCs or GCash credits.
PROMO MECHANICS
The promo is open to qualified Metrobank credit card principal cardholders. Only principal cardholders (not supplementary cardholders) are eligible to register and earn rewards under this promo, meaning you must be the main account holder of an active Metrobank credit card.
Qualified Cards:
- Metrobank Titanium Mastercard
- Metrobank Platinum Mastercard
- Metrobank Toyota Mastercard
- Metrobank M Free Mastercard
- Metrobank World Mastercard
- Metrobank PSBank Credit Mastercard
- Metrobank Travel Signature Visa
- Metrobank Rewards Plus Visa
- Metrobank Cashback Visa
- Metrobank Travel Platinum Visa
- Metrobank Femme Signature Visa
Dates to Remember:
- Start: October 1, 2025
- End: December 31, 2025
- Redemption Period: October 20, 2025 to February 28, 2026
Registration Process
To participate, cardholders must register online through Metrobank’s dedicated More With Zero promo page during the promo registration period.
To register:
- Visit the official Metrobank More With Zero Q4 2025 promo website. https://metrobankcard.mymcc.gift
- Log in with your Metrobank-registered mobile number.
- Submit and confirm successful registration.
Once registered, you can start qualifying for rewards through eligible transactions.
Earn Rewards From Your Installment Purchases
After registration, promo earnings are based on the accumulated 0% installment and other eligible spends on your Metrobank credit card throughout the promo period.
| Tier | Accumulated Spend | Reward (eGC) |
|---|---|---|
| 1 | PHP 65,000 All installment terms | PHP 1,000 |
| 2 | PHP 120,000 All installment terms | PHP 2,000 |
| 3 | PHP 250,000 With at least one 12-month or longer installment purchase | PHP 5,000 |
| 4 | PHP 500,000 With at least one 12-month or longer installment purchase PHP 5,000 | PHP 15,000 |
Rules:
- 0% installment purchases and typically Shop Now, Pay Later (BNPL) qualified installments count toward your cumulative spend.
- Rewards are tiered based on accumulated transaction amounts during the promo period
- A cardholder can only redeem a reward once.
Redemption Process
Once you’ve met a spend tier:
- Log in to your visual tracker at metrobankcard.mymcc.gift using your mobile number.
- Metrobank will generate a token code that you can redeem for your eGC or GCash credits. This will be posted within 5 banking days after completing a tier requirement.
- Choose your preferred merchant and follow the redemption process.
- You must claim your reward within the specified redemption period stated in the official promo mechanics.
Tips: If you prefer to convert your reward to cash, choose GCash or ShopeePay in the merchant list. Service fee applies.
Tips to Maximize Rewards
- Register early to include all transactions.
- Track spend and bonus task completion in the visual tracker.
- Redeem your eGCs promptly to avoid expiry.
Key Reminders
- Only the principal cardholder can register and redeem rewards
- The cardholder is responsible for safekeeping eGCs and login codes
- Fraudulent activity may lead to disqualification and chargeback
- Terms of use of each eGC are subject to merchant rules
If you’re already planning installment purchases this season, Metrobank More With Zero Q4 2025 is a simple way to get more value from your spending. As long as you register on time, stick to eligible transactions, and meet the spend tiers.
Just remember to track your spending and redeem your rewards before the deadline so you don’t miss out on the bonus.
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