PERPETUAL WAIVER OF MEMBERSHIP FEES
The annual membership fees of your Principal and Supplementary China Bank Freedom Mastercard have been perpetually waived so you may enjoy the boundless privileges that your Card has to offer.

WORLDWIDE ACCEPTANCE
Your China Bank Freedom Mastercard is accepted in millions of Mastercard-affiliated merchants worldwide. You can use your Card for in-store purchases by dipping it at point-of-sale terminals, tapping it on contactless-enabled machines, and at online shopping websites. Your China Bank Freedom Mastercard cannot be used in gambling sites and casinos.

INSTALLMENT PROGRAMS
Enjoy light monthly payments with China Bank Freedom Mastercard Installment Program:

• 0% Merchant Installment¹ – Enjoy year-round installment of up to 36 months at participating merchants.
• Balance Transfer² – Transfer balances from your other credit cards to your China Bank Freedom Mastercard and pay in installment terms of up to 24 months with low interest rates.
• Transaction Conversion² – Easily convert your straight transactions at non-installment merchants for lighter payment options. Choose to pay in installment terms of up to 24 months at low interest rates.

REWARDS PROGRAM
Accumulate Rewards Points for qualified purchases charged to your China Bank Freedom Mastercard. Earn one (1) Rewards Point for every Php20 valid spend. You can exchange your earned Rewards Points for items in the Rewards Catalogue. Purchases made by Supplementary Cardholder/s also earn points and are credited to the Principal Cardholder. To redeem, simply call China Bank Customer Service Hotline.

INTEREST-FREE CREDIT
Your Card transactions are interest-free when you pay your Statement Balance in full on or before the Payment Due Date indicated in your Statement of Account. Always pay your Card bills on time to maintain a good credit standing. The Bank reserves the right to increase or decrease your credit limit based on Bank policies.

CHINA BANK CREDIT CARD EXCLUSIVE DEALS (CBC DEALS)
Enjoy exciting discounts and freebies at participating establishments with your China Bank Freedom Mastercard! Click here to check ongoing promotions.

VIRTUAL CARD
Enjoy secure and worry-free shopping over the internet with your China Bank Virtual Card. This card is exclusively for internet use only and can be assigned with a sublimit allowing you to be in complete control of your online spending.
 

SUPPLEMENTARY CARDS
Share the privileges of your China Bank Freedom Mastercard with your loved ones. They can enjoy the same perks you get through CBC Deals, 0% Installment Program, or online shopping. To apply for a Supplementary Card, call China Bank Customer Service Hotline or download the Supplementary Card application form.

SECURITY FEATURES
Your China Bank Freedom Mastercard is equipped with the following security features to ensure the safety of your Card purchases:

• Transaction Alerts – Get SMS alerts and e-mail notifications through your mobile number and e-mail address on record for every purchase made. This gives you peace of mind because you are on top of your Card activities.
• 3D Secure – This serves as an additional layer of security every time you transact at participating 3D Secure online merchants as you will be asked for the One-Time Password (OTP) sent to your mobile number on record. As such, always keep your mobile number updated by calling China Bank Customer Service Hotline.
• EMV Chip – This is an advanced feature that improves payment security.

STATEMENT OF ACCOUNT (SOA)³
To support our green initiative, you are automatically enrolled in our electronic SOA (e-SOA) facility. Your monthly e-SOA will be sent to your e-mail address on record. You will also receive an SMS alert once your e-SOA has already been sent via e-mail.

Remember to always pay on or before the Payment Due Date indicated on your e-SOA to avoid incurring Finance Charges and Late Payment Fees and to ensure uninterrupted use of your Card. Inform us immediately should you fail to receive your e-SOA. To ensure receipt, always keep your e-mail address on record updated by calling China Bank Customer Service Hotline.

FLEXIBLE PAYMENT OPTIONS
You may opt to pay any of the following amounts:

• Your Statement Balance as indicated in your latest SOA
• Minimum Amount Due, which includes: (a) past due amount, if any (b) 5% of Statement Balance or Php500, whichever is higher; and (c) any amount in excess of your credit limit
• Any amount less than your Statement Balance but not less than your Minimum Amount Due

PAYMENT CONVENIENCE
Settle your China Bank Freedom Mastercard bill through any of the following channels:

1. China Bank Channels:
   • Over-the-counter at any China Bank branches nationwide
   • China Bank Online, Tellerphone⁴, and ATMs
   • Automatic Debit Arrangement (ADA) with your China Bank Deposit Account⁴ 
2. Other Payment Channels:
   • Over-the-counter at any China Bank Savings branches nationwide
   • China Bank Savings (CBS) Online and ATMs
   • BancNet Online and ATMs
   • SM Payment Centers, SM Hypermarket, and Savemore
   • Select Walter Mart branches
   • BPI ATMs, Online, Mobile, and Phone Banking
   • GCash

Click here for the updated list of our payment channels.

CUSTOMER SERVICE
Our China Bank Customer Service Hotline is available to assist your Card concerns. Simply call +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888 (PLDT).

• Self-Service Phone Banking
  No need to go to the branch or wait for a China Bank Phone Banker to attend to your Card inquiries. With our Interactive Voice Response System (IVRS), you can make simple inquiries on Available Credit Limit, Outstanding Balance, Total Amount Due (Statement Balance), Minimum Amount Due, Payment Due Date, and Last Payment Information with ease.

LOST CARD PROTECTION
In the event that your Card was lost or stolen, you should immediately contact China Bank Customer Service Hotline at +632 888-55-888 or Domestic Toll-Free Number 1-800-1888-5888. You will not be liable for charges incurred in your Card Account after the time of reporting of lost or stolen Card.

¹Minimum installment amount is Php3,000 or as set by Merchant. Tenor may vary per merchant.
²Applicable to Principal Cardholders. You may apply by calling China Bank Customer Service Hotline.
³Applicable to Principal Cardholders.
⁴Applicable to Principal Cardholders. You may apply at your China Bank branch of account.