• Min. Monthly Income


  • Interest Rate

    3.54% /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
    • 0.68% per month for 12, 18, and 24 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 4 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.

Card Information

Annual fee ₱2,500.00
Min. monthly income ₱40,000.00
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 3.54% 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

₱850.00 or minimum amount due whichever is lower

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

Gold Selection of Possibilities

The Metrobank Gold Visa credit card opens your world to exclusive promotions and privileges for you to explore. Whatever you’re after, there’s always something in store for you. Whether you’re looking for shopping options, dining deals, or rest and recreation perks, the possibilities are endless with freebies and discounts at M Here partner establishments. You can also have your purchases work for you with a rewards program that lets you earn points for every ₱20 spent using your card. You can use these points to get free premium items or exchange them for air miles from PAL, Cathay Pacific, or Singapore airlines. You can also increase your number of supplementary cards up to a maximum of 4 to share the benefits of your card to your immediate family or relatives. There are no limits to the advantages that his card offers so get yours and apply online today!

Fees and charges of Metrobank Gold Visa Credit Card

The annual fee for the first year is waived, but you are required to pay ₱2,500 for the principal cardholder and ₱1,500 for the supplementary cardholder on the following years, with a monthly interest rate of 3.54%. For late payments, there’s a charge of ₱850.00 or minimum amount due whichever is lower.

Are you eligible for a Metrobank Gold Visa Credit Card?

Applicants should at least have an income of ₱40,000 per month with minimum age of 21 years and older. The required age of supplementary cardholder must be 14 - 80 years old, with a maximum of up to 4 supplementary cardholders.

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's a variety of features and benefits you can consider. You can also look at the top Metrobank credit card promos and compare which cards are most suitable based on your lifestyle.