1. Annual Fee. Annual fees are automatically waived for the first year. The following annual fees will be charged starting on the 2nd year:


* Annual fee for Gold cards may be waived provided qualified under the Free Gold for Life Promo.

2. Credit Limit. The Primary Card and all approved add-on and Supplementary Cards will have a shared credit limit. The Primary Cardholder is responsible for all transactions on, and compliance with card Terms and Conditions by, the Primary and all Supplementary/add-on Cards.

3. Validity. Unless otherwise cancelled by the Bank, validity of each Supplementary Card will depend on validity of the Primary Card.

4. Finance Charge. The finance charge is the interest billed to the Cardholder's account if he pays an amount less than the Statement Balance. It is calculated on an average daily basis at the monthly interest rate of 3.5%, which is multiplied by the daily outstanding balance (total unpaid charges less any credits).

5. International Transaction. Card transactions in foreign currency are converted to Philippine Pesos based on VISA/MasterCard International rates on the day the item is posted on the Card Account and is further subject to the following charges: (i) a 2.5% currency conversion processing fee on the converted amount; and (ii) any international service assessment fees imposed by VISA/MasterCard.

6. Minimum Amount Due. Your minimum amount due is computed as the total of 1% of the principal amount due, plus the sum of all interest, fees, and other charges in the current statement, plus any amount in excess of your credit limit and any past due amounts, or P200, whichever is higher.

7. Payment Due Date. Please note your payment due date as specified in the statement of account. If the minimum amount due is not paid by due date, a Late Charge computed at 7.5% of the Minimum Payment Due or P600, whichever is higher, is billed to the cardholder's account. An additional P100 late fee will be charged once the credit card account reaches 60 days past due.

8. Delinquency. Failure to make proper and timely payment will result in the card account's delinquency, blocking of the account, and the full amount of the same as well as any other outstanding obligations of the cardholder to the Bank (such as personal loans and other credit accommodations) becoming due and demandable, subject to applicable fees and charges. This will also negatively impact cardholder's credit rating and may risk access to future loans from other lending institutions. The Bank will take action to collect any unpaid dues, including legal action where necessary.

9. Overlimit fee. An over limit fee of P 500 will be charged for each transaction (inclusive of retail purchases, cash advances, fees and other charges) exceeding the assigned credit limit.

10. Cash Advance fee. Each cash advance transaction will be charged a Cash Advance Fee equivalent to 4% of the transaction amount or P375, whichever is higher. A finance charge shall be due on each Cash Advance from the date of the advance until date of repayment in full (including other unbilled charges).

11. Disclosure of Information. The Bank may share appropriate Cardholder information to its service providers as well as to reputable companies whose products and services may interest the Cardholder. The Bank may verify and investigate information furnished by the Applicant from whatever source the Bank may consider appropriate.

12. Lost or Stolen Card, Disclosed PIN. A lost or stolen credit card should be reported immediately to the Bank's Contact Center. The Cardholder will remain fully responsible for payment of all transactions made on the lost or stolen credit card or completed through unauthorized use of the PIN.

13. eStatement Service. By using the service, cardholders agree to the conditions in the Bank’s e-Statement Terms and Conditions which include the following key terms: Cardholders will receive their e-Statements monthly via password-protected email, which cardholders agree to keep secure. Cardholders will be responsible to make timely payments on their account(s) despite non-receipt of their e-Statement, and shall not hold the bank responsible for any breach in email security or unauthorized access to their information.

14. Acceptance of Terms and Conditions. A copy of the terms and conditions will be delivered with the card to the Cardholder. By signing the credit card, the Cardholder indicates that he has read, understood and accepted such terms and conditions governing the use of credit cards. The Bank may from time to time modify, supplement or supersede such terms and conditions with notice to the Cardholder.

15. Contact Centre. For any concerns, you may call our Contact Center at: 830-1111 (Metro Manila), 1-800-1-888-1188 (Toll-Free, for non-Metro Manila areas), or send us an SMS at 0917-7911111 for Globe subscribers or 0918-9221111 for Smart subscribers.