Joining Fee

Annual Fee (first year waived)

Supplementary Annual Fee
(first year waived)

Classic
Gold
Visa/MasterCar Visa/MasterCar
d
d

Femme Visa

Value MasterCard

PHP1,400

PHP2,500

PHP1,500

PHP1,000

PHP2,000

PHP800

PHP1,500

PHP900

PHP300

PHP1,000

Refund Fee
Third Currency Conversion
Rate

M Free

M Lite

waived

PHP900 primary
card; PHP500
supplementary
card
PHP1,400

Classic: PHP1,500
Gold: PHP2,500
Classic: PHP900
Gold: PHP1,500

waived

PHP800

PHP500 or 3% of the cash amount availed, whichever is higher.

Over Credit Limit Fee

Monthly Interest Rate

Card Replacement Fee

Installment Pre-termination
Fee
Returned Check Fee
Invoice Retrieval Fee
Account Maintenance Fee

Robinsons- Cebu
Pacifc MasterCard

waived

Cash Advance Fee

Late Payment Fee

Toyota MasterCard

PHP500 per occurrence

3.75% on Cash Advance balances
3.5% on Non-Cash Advance balances

PHP600 or 7.5%
of the minimum
amount due,
whichever is
higher

PHP500 or 7.5%
of the minimum
amount due,
whichever is
higher

PHP600 or 7.5% of
the minimum
amount due,
whichever is higher

PHP500 or 7.5% of
the minimum
amount due,
whichever is higher

PHP700 per occurrence

2.49%

PHP600 or 7.5% of the

minimum amount due,
whichever is higher

Classic: PHP600 or
PHP700 or 7.5% of the minimum
7.5% of the
amount due, whichever is higher
minimum
amount due,
whichever is higher
Gold: PHP500 or
PHP400
7.5% of the
PHP500 or 3% of the remaining principal minimum
balance, whichever is higher
amount due,
Php1,000
whicever is higher
Php300
PHP200 or an amount equivalent to the credit balance, whichever is lower
P100 or 1% of the total refund amount, whichever is higher

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 posti
fee plus 2.50% processing fee.