• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Metrobank Credit card has an embedded chip to protect you from credit card fraud
  • Every ₱20.00 spent will earn you (1) rewards point
  • Shop at M here! partner establishments and get free gifts and discounts


  • Every time you spend ₱20.00 on your dining expenses lets you earn 1 rewards point


  • Charge your entertainment spending to your card and get to receive 1 rewards point for every ₱20.00 spent


  • Use your card on your groceries expenses and get to earn 1 rewards point for every ₱20.00 spent


  • Shop using your card and receive 1 point for every ₱20.00 spent


  • Your accumulated reward points can be used to redeem air miles or premium items from Philippine Airlines, Singapore Airlines, or Cathay Pacific Airlines

Other Features

  • Balance Transfer
    • 8.16% per annum for a lock-in tenure of 12 months.
  • Installment Plan
    • 0% interest Installment Payment Plan at all participating merchants. Choose between the months of 3, 6, 9, 12, 18 and 24 months.
  • Metrobank Chip Card
    • Protect your credit card from fraud due to cloning with the Metrobank Chip embedded on your card.
  • Supplementary Cards
    • Receive up to 3 supplementary cards and help manage your family’s spending by assigning spend limits on each card.
  • SMS Balance Inquiry
    • Enjoy this convenient feature as you inquire for your credit card's balance with just a touch of your fingertips as you send a single text message.
  • Payment Facilities
    • Conveniently pay your credit card bills via Metrobank mobile banking, or through MetroPhone, or do it online via Metrobank direct and PSBank Remote Banking. You can also pay your bills at any Metrobank or PSBank branch, ATM or any Bancnet ATM.
  • ”DesignMyCard”
    • Use your favorite photo as you design and personalize your own credit card.

Card Information

Annual fee ₱2,500
Min. monthly income ₱40,000
Min. age for principal holder

At least 21 years of age or older

Min. age for supplementary holder

14-80 years old

Fee for supplementary holder ₱1,500.00
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee


Late payment charge

₱600.00 or 7.50% of outstanding amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

₱600.00 or 3.00% of cash amount availed, whichever is higher

Cash advance interest charge


Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

There are other interesting options that's also worth looking into, such as the BPI Gold Credit Card and BDO Gold Credit Card, that have similar features which could be what you are searching for.

When getting a credit card, there are still a variety of features and benefits that you can also consider. Try looking at other Metrobank credit cards and compare which products are most suitable based on your lifestyle.