• Min. Monthly Income


  • Interest Rate

    2.49% /month

  • Annual Fee


Feature Highlights
  • Best credit card for the savvy spender aiming for better finance management.


  • Avail of discounts, free gifts and great deals with your Metrobank 'M Credit Card at their 'M here! partner establishments


  • Avail of discounts, free gifts and great deals with your Metrobank 'M Credit Card at their 'M here! partner establishments


  • Pay for your utilities through your Metrobank M Lite Mastercard


  • Avail of discounts, free gifts and great deals with your Metrobank 'M Credit Card at their 'M here! partner establishments

Other Features

  • Interest Rate
    • 2.49%
  • Balance Transfer
    • 0.68% per month for 12, 18, and 24 months.
  • Installment Plan
    • Take advantage of 0% interest Installment Payment Plan when you purchase at participating shops. With flexible payment schemes to choose from (3, 6, 9, 12, 18 and 24 months).
  • Supplementary Cards
    • Request up to 4 supplementary cards and enjoy the same benefits and privileges while assigning spending limits to manage expenses.
  • Payment Facilities
    • Paying your credit card bills have been made more convenient as you can pay at any branch of Metrobank or PSBank. You can also pay through any Metrobank or PSBank ATM or Bancnet ATMs in the metro. Furthermore, you can also do payments via MetroPhone, Metrobank mobile banking or online via Metrobankdirect and PSBankRemote Banking.
  • Metrobank Chip Card
    • Your Metrobank Card has an embedded chip that can protect you from credit card fraud due to cloning.

Card Information

Annual fee ₱1,500.00 (Charged on the 2nd month)
Min. monthly income ₱16,700.00
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 ₱800.00
Finance charges 2.49%
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% of cash amount availed, whichever is higher

Cash advance interest charge


Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Lowest Interest Rate In The Country

With the Metrobank M Lite MasterCard, you can get to avail the lowest interest charge available in the market. At only 2.49% per month, you can purchase more items while saving more by paying a lower interest rate. Apart from this excellent offer, you will get to receive exclusive benefits and advantages available all throughout the country with perks, discounts, and deals via ‘M here! partner establishments.

Fees and Charges of Metrobank M Lite Credit Card

The annual membership fee for the M Lite card is ₱1,500 for the principal cardholder, to be charged on the second month, and ₱800 for the supplementary cardholder. Monthly interest rate is a remarkably low 2.49% compared to other credit cards in the market. As for the late payment fee, it will be ₱850.00 or minimum amount due whichever is lower. You can get a cash advance amount of up to 30% of your credit limit, with the cash advance charge at ₱600.00 or 3% of the amount availed, whichever is higher.

Are you eligible for a Metrobank M Lite Credit Card?

To apply, the principal cardholder should have a minimum monthly income of ₱16,700 and must be 21 years old and above. Supplementary cardholders must be 14-80 years of age.

If you feel this card doesn't suit you, we also recommend checking out AUB Easy Credit Card and Chinabank Prime Credit Card, which have similar features that you may find interesting.

If you're still looking for other options, you can browse for more no annual fee Metrobank credit cards to find the right card that's similar to what you're currently considering.