BPI vs. Metrobank Credit Cards: Best Option for Cashback and Rewards
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BPI vs. Metrobank Credit Cards: Best Option for Cashback and Rewards
For many Filipinos, a credit card is more than just a payment tool — it’s a way to save money through cashback and rewards while also enjoying convenience and security. But if you’re a first-time applicant, the choice can be overwhelming.
Two of the most popular banks offering credit cards are BPI and Metrobank. Both have strong reputations, wide acceptance, and attractive perks. The question is: Which one is better for cashback and rewards in 2025?
In this guide, we’ll compare BPI vs. Metrobank credit cards side by side, highlight their benefits, explain how they work, and help you decide which one fits your lifestyle.
What Is a Credit Card and How Does It Work?
A credit card is a financial tool that allows you to borrow money from the bank to pay for purchases, with the promise of paying it back later.
How Credit Cards Work (Simple Version)
You use your card at a store or online.
The bank pays the merchant for you.
You receive a monthly statement of account.
You either pay in full (no interest) or pay partially (with interest charges).
💡 To understand the real cost of using a card if you only pay the minimum, try the Credit Card Cost Calculator. It’s a simple way to check how much interest you might pay over time.
Benefits of a Credit Card for First-Time Users
Cashless convenience – No need to carry big amounts of cash.
Emergency backup – Useful when unexpected expenses happen.
Cashback & rewards – Get something back for every peso spent.
Installment plans – Split big purchases into smaller payments.
Credit history building – Helps you qualify for bigger loans in the future.
BPI Credit Cards: Cashback and Rewards
BPI is known for its budget-friendly and practical credit card options.
Top Cashback & Rewards Cards
BPI Amore Cashback Card – Cashback on groceries, shopping, and utilities.
BPI Blue Mastercard – 1 rewards point for every ₱35 spent.
BPI Gold Mastercard – Travel perks plus higher rewards conversion.
Why Choose BPI?
Lower annual fees compared to other banks.
Strong focus on daily essentials (groceries, bills, shopping).
Great for first-time credit card holders.
Metrobank Credit Cards: Cashback and Rewards
Metrobank caters to a more rewards-driven lifestyle with versatile card choices.
Top Cashback & Rewards Cards
Metrobank Cashback Visa – Up to 8% cashback on groceries, telecom, and school expenses.
Metrobank Rewards Plus Visa – 2x points for online, dining, and shopping.
Metrobank Platinum Mastercard – Premium perks like travel insurance and lounge access.
Why Choose Metrobank?
Higher cashback rates in specific categories.
More options for reward points redemption (shopping, travel, gift cards).
Excellent for people who spend heavily on lifestyle and leisure.
Side-by-Side Comparison: BPI vs. Metrobank
Feature
BPI Credit Cards
Metrobank Credit Cards
Annual Fees
Generally lower
Moderate to higher depending on card
Cashback
3–4% average, focused on essentials
Up to 8% on select categories
Rewards
1 point per ₱35 spent
1 point per ₱20–₱25 spent (faster accumulation)
Best For
First-time users, everyday spenders
Lifestyle spenders, higher-income users
Application Ease
Easier approval, lower income requirements
Slightly stricter requirements
Requirements to Apply
BPI Requirements
At least 21 years old.
Minimum annual income: ₱180,000 (varies per card).
Valid IDs and proof of income.
Metrobank Requirements
At least 21 years old.
Minimum annual income: ₱250,000–₱300,000 (depending on card).
Valid IDs, proof of billing, and proof of income.
How to Apply for a Credit Card
Choose the right card based on spending habits.
Prepare your documents (ID, proof of income, proof of billing).
Apply online or in-branch through BPI or Metrobank.
Wait for approval, usually 1–3 weeks.
Common Mistakes of First-Time Users
Applying for a premium card too soon (and getting rejected).
Not checking annual fees vs. benefits.
Paying only the minimum amount and falling into debt.
BPI Credit Cards = beginner-friendly, lower annual fees, good for daily essentials.
Metrobank Credit Cards = higher cashback and faster rewards points, best for lifestyle spenders.
Choose BPI if you want practical savings.
Choose Metrobank if you want bigger rewards for bigger spending.
FAQs
1. Which is easier to get, BPI or Metrobank credit card? BPI is easier because of its lower income requirements.
2. What is the best cashback card in the Philippines? Metrobank Cashback Visa offers one of the highest cashback rates at up to 8%.
3. Do BPI and Metrobank credit card rewards expire? Yes, most rewards points have expiration dates, usually after 2–3 years.
4. Can I apply even if I don’t have a high income? Yes, BPI has beginner-friendly cards. Metrobank requires a bit higher income for most cards.
5. Which is better for groceries and bills? BPI Amore Cashback is strong for essentials, while Metrobank Cashback Visa gives higher rates but in select categories.
