Metrobank credit cards
Metrobank offers 11 consumer credit cards, with annual fees from ₱0 to ₱6,000, interest of 3% a month.
For card concerns, call Metrobank at (02) 88-700-700 or 1-800-1888-5775 (24 hours. The 1-800 number is toll-free from PLDT landlines).
The cheapest Metrobank card to hold and carry a ₱20,000 balance on for 3 months is the Metrobank M Free Mastercard at ₱1,212, 2nd of 127 cards open to the public; the lowest income asked is ₱180,000 a year, on the Metrobank Rewards Plus Visa.
Fees and rates as printed on Metrobank's fee table (dated 15 June 2026); contact and application details from Metrobank's own site; the interest ceiling is set by the Bangko Sentral ng Pilipinas in BSP Circular No. 1165, s.2023.
BSP supervised: Metropolitan Bank and Trust Company, universal and commercial bank, BSP institution ID 33, is on the BSP Verifier list dated Sep 28, 2026.
Metrobank credit card hotline and customer service
| Card hotline | (02) 88-700-700 or 1-800-1888-5775 24 hours. The 1-800 number is toll-free from PLDT landlines.Metrobank contact page |
|---|---|
| Lost or stolen card | (02) 88-700-700 or 1-800-1-888-5775 Block a lost or stolen card at once in the Metrobank app (the block is permanent), or call the hotline.Metrobank contact page |
| Calling from abroad | (IAC) +800-8700-0707 International toll-free for card and premium card customers: dial your country's access code first.Metrobank contact page |
| Other channel | Email customerservice@metrobankcard.com (Monday to Friday, 8:30 AM to 5:30 PM) bank page |
| Other channel | Mia of Metrobank on Facebook Messenger: m.me/MiaofMetrobankCard bank page |
Call only the numbers printed on Metrobank's own site.
How to apply for a Metrobank credit card
- Go to apply.metrobank.com.ph.
- Select the credit card you want.
- Fill out the online application form.
- Submit the required documents.
- Wait for Metrobank's confirmation.
Where to apply: Apply online at apply.metrobank.com.ph, or submit an application at any Metrobank branch. bank page
How long it takes: Usually 7 to 10 banking days after complete requirements, sent to your registered contact details. If declined, you can reapply after 6 months. bank page
Check your Metrobank application status
Call 88-700-700 or 1-800-1-888-5775, email customerservice@metrobankcard.com, or message m.me/MetrobankCardPH to check your status. Metrobank application status
Metrobank credit card requirements
Who can apply
- 18 to 70 years old
- A landline number
- A PhilID, TIN, SSS or GSIS number
- Minimum income set per card
Requirements as the bank lists them
Documents if you are employed
- A primary Philippine government ID with birth date and signature (PhilSys, TIN, PRC, driver's license, passport, UMID or PWD ID)
- Latest ITR stamped received by the BIR or its agent bank, or BIR Form 2316 signed by your employer
- Your last 3 months' payslips
- Original Certificate of Employment showing name, position, hire date and gross annual income (for employees of the Top 1,000 corporations)
Requirements as the bank lists them
Documents if you are self-employed or a freelancer
- A primary Philippine government ID
- Latest Audited Financial Statement with a bank or BIR stamp
- Latest ITR stamped received by the BIR or its agent bank
Requirements as the bank lists them
Other applicants
- Metrobank depositors: a total relationship balance of at least ₱50,000, or ₱25,000 on an account at least 12 months old
- Cardholders of another bank: a card at least 9 months old with a limit of ₱25,000 or more
- Foreigners: proof of income or employment, and a copy of the ACR, ICR or visa
Requirements as the bank lists them
The income tax return asked of self-employed applicants is the annual BIR Form 1701. The certificate employees attach is BIR Form 2316, which your employer issues.
Income: each card has its own floor, from ₱180,000 a year on the Metrobank Rewards Plus Visa. The table below shows every card's.
Metrobank secured credit card
Metrobank secured card program: Applicants without employment can apply under Metrobank's secured card program, which needs a Metrobank account. Ask at any Metrobank branch for the deposit terms. bank page
A secured card is the usual route when you have no card history or your income is below the bank's floor. Compare it with other first cards on the beginner list.
Which Metrobank card to pick
| If | Pick | Why | Watch out |
|---|---|---|---|
| You want the lowest cost | Metrobank M Free Mastercard | Cheapest Metrobank card on a ₱20,000 balance paid off in 3 months plus a year of fees: ₱1,212. | Foreign currency purchases cost 3.5% extra. |
| You are applying for your first card | Metrobank Rewards Plus Visa | Lowest stated income requirement at Metrobank: ₱180,000 a year. | The ₱2,500 fee is charged every year after the waiver ends. |
| You want a travel and miles card | Metrobank Travel Signature Visa | Lowest yearly fee among Metrobank's travel and miles cards: ₱5,500 a year. | The ₱5,500 fee is charged every year after the waiver ends. |
| You want a cash back card | Toyota Mastercard | Lowest yearly fee among Metrobank's cash back cards: ₱2,500 a year. | The ₱2,500 fee is charged every year after the waiver ends. |
Every Metrobank card compared
| Card | Annual fee | Interest a month | Minimum income | Cash advance fee | Fee waiver | Source |
|---|---|---|---|---|---|---|
| Metrobank M Free Mastercard | No annual fee | 3% | ₱446,000 a year | ₱200 | No fee, no conditions | Metrobank credit card rates and fees |
| PSBank Credit Mastercard | No annual fee | 3% | ₱350,000 a year | ₱200 | No fee, no conditions | Metrobank credit card rates and fees |
| Metrobank Hype Card | ₱1,500 a year | 3% | - | ₱200 | Waived in the first year only | Metrobank credit card rates and fees |
| Metrobank Rewards Plus Visa | ₱2,500 a year | 3% | ₱180,000 a year | ₱200 | Waived in the first year only | Metrobank credit card rates and fees |
| Metrobank Titanium Mastercard | ₱2,500 a year | 3% | ₱350,000 a year | ₱200 | Waived in the first year only | Metrobank credit card rates and fees |
| Toyota Mastercard | ₱2,500 a year | 3% | ₱180,000 a year | ₱200 | Waived in the first year only | Metrobank credit card rates and fees |
| Toyota Platinum Mastercard | ₱2,800 a year | 3% | ₱350,000 a year | ₱200 | Waived in the first year only | Metrobank credit card rates and fees |
| Metrobank Cashback Visa | ₱3,500 a year | 3% | ₱480,000 a year | ₱200 | Waived in the first year only | Metrobank credit card rates and fees |
| Metrobank Platinum Mastercard | ₱5,000 a year | 3% | ₱700,000 a year | ₱200 | Waived in the first year only | Metrobank credit card rates and fees |
| Metrobank Travel Signature Visa | ₱5,500 a year | 3% | ₱700,000 a year | ₱200 | Waived in the first year only | Metrobank credit card rates and fees |
| Metrobank World Mastercard | ₱6,000 a year | 3% | ₱700,000 a year | ₱200 | Waived in the first year only | Metrobank credit card rates and fees |
Source: Metrobank fees and charges and each card's product page. Networks: Mastercard, Visa.
How Metrobank bills: minimum due, fees and interest
| Minimum amount due | 3.5% of the balance on the statement date, plus any over-limit and past-due amounts, or ₱1,000, whichever is higher. On a first statement of ₱20,000 in new purchases, that is ₱1,000. Paying only the minimum at 3% a month, with no new spending, ₱20,000 takes about 31 months to clear and costs about ₱10,999 in interest. source |
|---|---|
| Late payment fee | PHP 1,000 or Unpaid Minimum Amount Due (MAD), whichever is lower. Metrobank credit card rates and fees |
| Foreign transactions | Cross border service fee 1.00% plus forex processing fee 2.50%. 7 cards. Metrobank credit card rates and fees |
| Foreign transactions | Cross border service fee 1.00% plus forex processing fee 2.5%. Metrobank M Free Mastercard, PSBank Credit Mastercard. Metrobank credit card rates and fees |
| Foreign transactions | Cross border service fee 1.00% plus forex processing fee 0.68%. Metrobank Travel Signature Visa. Metrobank credit card rates and fees |
| Foreign transactions | Cross border service fee 1.00% plus forex processing fee 0.85%. Metrobank World Mastercard. Metrobank credit card rates and fees |
| Annual fee waiver | Metrobank M Free: No annual fee for life. bank page |
| Annual fee waiver | Supplementary cards on all Metrobank credit cards: Up to two supplementary cards are free for life (supplementary cardholders aged 14 to 80). bank page |
| Annual fee waiver | Metrobank rewards cards (Hype, Rewards Plus, Titanium, Toyota, Femme, Platinum, World, Travel Platinum and Signature) and the NCCC Mastercard: Pay the annual fee with rewards points after it is charged; processing takes 3 to 5 banking days. bank page |
| Fee table date | 15 June 2026. source |
| BSP ceilings | 36% a year (3% a month) on interest, a 1% a month add-on on instalments, and ₱200 on the cash advance processing fee with no other fee allowed, under BSP Circular No. 1165, s.2023. BSP Circular No. 1165, s.2023 |
To see what a balance costs at Metrobank's rate, use the credit card interest calculator.
Paying your Metrobank card, and promos
- Metrobank app, from your deposit account with your Metrobank card as the biller
- Metrobank Online
- Metrobank branches (cash and check)
- Auto-debit (enrol at a branch)
- BancNet ATMs and CLiQQ kiosks at 7-Eleven
- Payment centers: SM stores, SM supermarkets, Savemore and SM Business Services, Bayad Center, PSBank, Security Bank and RCBC branches, selected Robinsons Department Stores and ECPay partners
Payment channels from Metrobank
Promos change every few weeks. See the current ones on Metrobank's credit card promos page.
Metrobank credit card questions
What is the Metrobank credit card hotline?
(02) 88-700-700 or 1-800-1888-5775 (24 hours. The 1-800 number is toll-free from PLDT landlines). To report a lost or stolen card: (02) 88-700-700 or 1-800-1-888-5775. From abroad: (IAC) +800-8700-0707. These are the numbers on Metrobank's own website.
How do I apply for a Metrobank credit card?
1. Go to apply.metrobank.com.ph. 2. Select the credit card you want. 3. Fill out the online application form. 4. Submit the required documents. 5. Wait for Metrobank's confirmation.
How do I check my Metrobank credit card application status?
Call 88-700-700 or 1-800-1-888-5775, email customerservice@metrobankcard.com, or message m.me/MetrobankCardPH to check your status.
What are the requirements for a Metrobank credit card?
18 to 70 years old; A landline number; A PhilID, TIN, SSS or GSIS number; Minimum income set per card. Employed applicants submit: A primary Philippine government ID with birth date and signature (PhilSys, TIN, PRC, driver's license, passport, UMID or PWD ID); Latest ITR stamped received by the BIR or its agent bank, or BIR Form 2316 signed by your employer; Your last 3 months' payslips; Original Certificate of Employment showing name, position, hire date and gross annual income (for employees of the Top 1,000 corporations). The lowest income Metrobank states for a card it offers to the public is ₱180,000 a year, on the Metrobank Rewards Plus Visa.
How much is the Metrobank credit card annual fee, and can it be waived?
Annual fees run from ₱0 to ₱6,000. 2 cards have no annual fee: Metrobank M Free Mastercard, PSBank Credit Mastercard. 9 cards waive the fee in the first year only. Metrobank M Free: No annual fee for life. Supplementary cards on all Metrobank credit cards: Up to two supplementary cards are free for life (supplementary cardholders aged 14 to 80). Metrobank rewards cards (Hype, Rewards Plus, Titanium, Toyota, Femme, Platinum, World, Travel Platinum and Signature) and the NCCC Mastercard: Pay the annual fee with rewards points after it is charged; processing takes 3 to 5 banking days.
What is the Metrobank credit card interest rate?
3% a month on balances left unpaid after the due date; the BSP cap is 3% a month (36% a year). The minimum amount due is 3.5% of the balance on the statement date, plus any over-limit and past-due amounts, or ₱1,000, whichever is higher.
How do I pay my Metrobank credit card bill?
Metrobank app, from your deposit account with your Metrobank card as the biller; Metrobank Online; Metrobank branches (cash and check); Auto-debit (enrol at a branch); BancNet ATMs and CLiQQ kiosks at 7-Eleven; Payment centers: SM stores, SM supermarkets, Savemore and SM Business Services, Bayad Center, PSBank, Security Bank and RCBC branches, selected Robinsons Department Stores and ECPay partners.
What is the best Metrobank credit card?
On cost, the Metrobank M Free Mastercard (₱1,212 on a ₱20,000 balance over 3 months plus a year of fees, 2nd of 127 cards open to the public). For a first card, the Metrobank Rewards Plus Visa asks for the least income.
Cards and your taxes
Card fees and interest do not lower the tax on a salary: Section 34 of the Tax Code allows no deductions against compensation income. A self-employed cardholder who takes the 40% optional standard deduction gets it in place of itemized expenses, so card charges do not reduce tax there either.