With great credit card purchasing power comes great responsibility.

Think paying your bills on time and in full (as much as possible), never going beyond your limit, and securing your card’s safety at all times. But it comes with awesome offers, too--especially if you’re swiping your plastic with these tips in mind.

Turn expensive straight purchases into easy-to-pay installment plans.

Worried that your chosen merchant doesn’t offer '0% installment' or 'buy now, pay later' plans? Contact your bank and request for a Balance Conversion to convert big-ticket items into affordable installment terms ranging from 3 to 24 months.You will have to pay extra for interest rates, but it’s better than failing to pay your bills--and acquiring huge finance charges and late payment fees.

Collect and redeem reward points.

Spend more and earn more reward points to redeem premium items for free: from shopping and restaurant gift certificates, airline miles, cash rebates, up to charity donations. Use your credit card for monthly expenses like bills payment and groceries to regularly earn points. Don’t forget to look for banks with the lowest peso-to-rewards point conversion rate, too. Metrobank Card gives up to triple rewards points on select valid purchases such as spa, salon, hotel and airfare purchases so you could make the most out of your purchases.

Keep tabs on the latest promos and discounts.

Never underestimate the power of newsletters and mobile banking apps. Take for example Metrobank Card mobile app. It keeps their customers updated on the latest credit card promos. That way, no one misses big shopping discounts, exclusive travel fair passes, rebates, and more. Download yours now to enjoy your card’s perks and benefits.

Get free travel accident insurance.

Planning a trip soon? Skip paying for a travel insurance fee for your flight. Most banks give free travel insurance when you pay for tickets using your credit card. Metrobank Card even provides up to P5 million coverage so you could enjoy your trip without worries. What’s more, their Travel Platinum Visa cardholders get extra privileges like priority pass for airport lounges and 24/7 worldwide customer assistance for credit card-related concerns.

Skip paying annual membership fees.

Some banks grant one year or lifetime membership fees. But others also waive annual fees through rewards points or when you spend a certain amount using your credit card for a year. Most banks don’t publish this on their site. Contact their customer service if you’re entitled to skipping the annual fee.

Pick the right card for you.

Don’t just settle for credit cards with low interest rates. Get one that gives the best perks that fit your lifestyle - be it as a travel junkie, avid shopper, foodie, or even a professional motorist. Tip: choose your perfect credit card match now with Metrobank Card, and get a chance to score P3,000-P5,000 welcome gift from their participating merchants. Just spend an accumulated amount of P20,000-P30,000 from March 1 to April 30, 2019 using your new Metrobank Card. Check out the full mechanics to see how it works.

A great credit card comes with great perks and freebies, too. Just use these hacks to maximize its power.

You may also click this link to make your perfect match.