Classic Gold Femme Visa Value MasterCard Toyota MasterCard Robinsons- Cebu Pacifc M Free M Lite

Visa/MasterCard Visa/MasterCard MasterCard

Joining Fee waived PHP900 primary
card; PHP500
supplementary card
Annual Fee (first year waived) PHP1,400 PHP2,500 PHP1,500 PHP1,000 PHP2,000 Classic: PHP1,500 waived PHP1,400
Gold: PHP2,500
Supplementary Annual Fee (first year PHP800 PHP1,500 PHP900 PHP300 PHP1,000 Classic: PHP900 waived PHP800
waived) Gold: PHP1,500

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

Over Credit Limit Fee PHP500 per occurrence PHP700 per occurrence
Monthly Interest Rate 3.75% on Cash Advance balances 2.49%
3.5% on Non-Cash Advance balances

Late Payment Fee PHP600 or 7.5% of PHP500 or 7.5% of PHP600 or 7.5% of the PHP500 or 7.5% of the PHP600 or 7.5% of the Classic: PHP600 or 7.5% of PHP700 or 7.5% of the minimum amount
the minimum amount the minimum amount minimum amount due, minimum amount due, minimum amount due, the due, whichever is higher
due, whichever is due, whichever is whichever is higher whichever is higher whichever is higher minimum amount due,
higher higher whichever is higher
Gold: PHP500 or 7.5% of
the
minimum amount due,
Card Replacement Fee PHP400 whicever is higher
Installment Pre-termination Fee PHP500 or 3% of the remaining principal balance, whichever is higher

Returned Check Fee Php1,000

Invoice Retrieval Fee Php300
Account Maintenance Fee PHP200 or an amount equivalent to the credit balance, whichever is lower

Refund Fee P100 or 1% of the total refund amount, whichever is higher

Third Currency Conversion Rate 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 posting and charged Visa/MasterCa