Best Metrobank Credit Cards for Rewards and Perks

Your ultimate beginner-friendly guide to choosing the right Metrobank credit card for maximum rewards and benefits.

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Introduction

Kung first time mo mag-apply ng credit card, siguradong dami mong tanong:

• “Anong card ang bagay sa akin?”
• “Paano gumagana ang rewards?”
• “Kailangan ba ng mataas na sweldo para ma-approve?”

Don’t worry — this guide will make everything simple. Metrobank offers several credit cards designed for different lifestyles: shopping, travel, dining, cashback, and more. Whether you’re a beginner or looking for your first credit card, we’ll break down the best options, requirements, and how to maximize rewards.

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Why Choose Metrobank Credit Cards?

Metrobank is one of the top banks in the Philippines, and their credit cards are beginner-friendly because:

• ✅ Flexible rewards and cashback
• ✅ Low to zero annual fees (for some cards)
• ✅ Fast approval for qualified applicants
• ✅ Wide acceptance both locally and abroad
• ✅ Great perks for shopping, dining, and travel

If you’re a first-time user, Metrobank has options that let you earn rewards without overspending.

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Best Metrobank Credit Cards for Beginners

1. Metrobank Rewards Plus Visa (Best for Everyday Spending)

Why it’s great for beginners:

• Earn 1 point per ₱20 spend on shopping, groceries, and dining.
• Double points when using it at partner stores.
• Easy to redeem points for shopping vouchers or airline miles.

Quick Specs:

• Annual Fee: ₱2,500 (waived for the first year)
• Minimum Income Required: ₱21,000/month
• Ideal For: Beginners who want simple rewards without tracking complicated cashback rules.

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2. Metrobank Cashback Visa (Best for Practical Savings)

Perfect if gusto mo cashback instead of reward points.

Benefits:

• Get 3% cashback on groceries and fuel.
• 1% cashback on all other purchases.
• Cashback is automatically credited — no need to redeem manually.

Quick Specs:

• Annual Fee: ₱3,000 (waived for the first year)
• Minimum Income Required: ₱25,000/month
• Ideal For: Budget-conscious users who prefer direct savings over points.

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3. Metrobank Travel Platinum Visa (Best for Frequent Travelers)

If mahilig ka mag-travel, this is for you.

Benefits:

• Earn 1 mile per ₱17 spent on airlines, hotels, and travel bookings.
• Free travel insurance up to ₱5 million.
• Access to select airport lounges worldwide.

Quick Specs:

• Annual Fee: ₱5,000
• Minimum Income Required: ₱40,000/month
• Ideal For: First-time cardholders who want to maximize miles and travel perks.

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4. Metrobank Titanium Mastercard (Best for Online Shopping)

Kung lagi ka nag-o-online shopping sa Lazada, Shopee, or Zalora, this is your card.

Benefits:

• Earn 2x reward points for every online purchase.
• Exclusive discounts and flash sale access.
• Secure payment system for safe online transactions.

Quick Specs:

• Annual Fee: ₱2,500 (first year waived)
• Minimum Income Required: ₱21,000/month
• Ideal For: Online shoppers who want rewards + discounts.

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How Metrobank Rewards Work

When you use your card, you earn either:

• Reward Points → Convert to shopping vouchers, airline miles, or gadgets.
• Cashback → Automatic credit to your account.
• Miles → Perfect for travelers who want free or discounted flights.

Pro Tip: Choose a card based on your spending habits. Kung mahilig ka mag-grocery, get cashback. Kung traveler ka, go for miles. Kung mahilig sa online shopping, pick a rewards-focused card.

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Eligibility & Requirements for First-Time Applicants

Basic Requirements

• Must be 21 to 65 years old
• Filipino citizen or foreigner with Philippine residency
• Minimum income: Starts at ₱21,000/month (varies per card)
• Must have a valid government ID and proof of billing

Documents Needed

For employed applicants:

• Valid ID
• Latest payslip or Certificate of Employment
• Proof of billing

For self-employed applicants:

• Business registration papers
• Latest ITR or audited financial statements
• Proof of billing

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How to Apply for a Metrobank Credit Card

Step 1 — Choose Your Card

Pick a card that fits your spending habits.

Step 2 — Prepare Your Documents

Make sure you have all the required IDs, payslips, and proof of billing.

Step 3 — Submit Your Application

Apply via a Metrobank branch or online through their credit card portal.

Step 4 — Wait for Approval

Processing takes around 5 to 7 banking days if documents are complete.

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How to Calculate Your Monthly Credit Card Cost

Using a credit card can be convenient, but know your monthly cost before applying.

You can use this Credit Card Cost Calculator to:

• See your monthly payments
• Calculate interest if you don’t pay in full
• Check total costs based on your spending

This helps you avoid overspending and manage your budget better.

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Tips for First-Time Credit Card Users

• 💡 Pay on time to avoid late fees.
• 💡 Always pay in full to avoid high interest charges.
• 💡 Track your expenses — use the calculator above.
• 💡 Start small — don’t apply for multiple cards at once.
• 💡 Know your limits — spend only what you can pay back.

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TL;DR (Too Long; Didn’t Read)

• Metrobank Rewards Plus Visa → Best for beginners earning points.
• Metrobank Cashback Visa → Best for saving on groceries & fuel.
• Metrobank Travel Platinum Visa → Best for travelers and miles.
• Metrobank Titanium Mastercard → Best for online shoppers.
• Use the Credit Card Cost Calculator to manage your monthly budget.
• Pay on time, spend wisely, and enjoy the perks!

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FAQs

1. What is the easiest Metrobank credit card to get approved for?

The Metrobank Rewards Plus Visa has the lowest income requirement and is beginner-friendly.

2. How long does approval take?

Around 5 to 7 banking days if all requirements are complete.

3. Can I apply even if I’m self-employed?

Yes, just provide your business registration, ITR, and proof of billing.

4. Do Metrobank credit cards have annual fees?

Yes, but most cards waive the first year’s fee. Some promos even waive fees permanently.

5. What happens if I miss a payment?

You’ll be charged late fees + interest. Always pay on time to maintain a good credit score.