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Highlights

For	Resident Filipino individual
Work	Employed - Private Sector, Employed - Government, Self - Employed, Professional
Minimum annual income	₱360,000
Main card: age	18 to 60 years old
Main card: annual fee	₱2,500
Supplementary card: age	14 to 60 years old
Supplementary card: annual fee	₱1,250
Interest	2% a month
Cash advance interest	1.96% a month
Late fee	PHP 1,000.00
Charge slip retrieval fee	PHP200.00 for every transaction slip requested
Card replacement fee	PHP400.00 for every card replacement
Over limit fee	PHP500.00
Cash advance fee	PHP 200 Flat Service Fee will be charged per cash advance transaction. Finance Charge of 1.96% per month will also be due on each cash advance from the date of the advance until date of repayment in full (including unbilled charges
Use abroad	All charges made in currencies other than Philippines Peso (PhP) shall automatically be converted to the (PhP) billing currency on posting date at the prevailing exchange rate selected by Mastercard or Visa International

Rating	10 of 10

0% Installment and Discount Program
Cebu Pacific Get Go | P70 to 1 GetGo Pt
Flexible Monthly Payment
Travel Insurance: Overseas Medical Treatment
Petron VC
Global Discount Program with top Dining & Hotel Merchants
FREE access to Club Manila Lounge
Shopping GCs
Secured Card Option
Earn 1 rewards point for every spend of PHP35.00
Services: 24 Hour Emergency Service Hotline
Rewards points can be converted into airmile | P70 to 1 mile
Asiatravel e-voucher
Longer Payment Terms
Credit Life Insurance – UProtect / USecure | U-PROTECT: PHP 0.36 for every PHP100 O/S
Yes
SM Movie Card
Internet Access to Account