Metrobank Titanium Mastercard: fees, interest and requirements
The Metrobank Titanium Mastercard has an annual fee of ₱2,500 a year, waived in the first year, charges 3% a month on unpaid balances and needs a minimum income of ₱350,000 a year.
Verdict: Worth it if the points you redeem are worth more than ₱2,500 a year. The first year is free. Skip it if you earn under ₱350,000 a year or if you spend a lot abroad (3.5% foreign fee).
From Metrobank credit card rates and fees, dated 15 June 2026. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add the ₱2,500 annual fee and a year comes to ₱3,712, 48th lowest of 127 cards open to the public (tied with 13).
Metrobank's closest card is the Toyota Platinum Mastercard. Against it, this card costs ₱2,500 a year instead of ₱2,800, earns rewards on different terms and has different perks.
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.
What the Metrobank Titanium Mastercard gives you
- 2x reward points on all online, department store and dining spend Metrobank page
Who should get the Metrobank Titanium Mastercard
| If | Then |
|---|---|
| You pay in full every month and want a rewards points card | The PNB Essentials Mastercard (PNB) asks the same or a lower income and costs ₱1,300 a year less. Pick the Metrobank Titanium Mastercard only if its rewards are worth more than that to you. |
Metrobank Titanium Mastercard downsides, and what a late payment costs
- The ₱2,500 fee is charged every year after the waiver ends.
- Foreign currency purchases cost 3.5% extra.
If you pay late: Metrobank charges up to ₱1,000, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due (₱1,000 on a ₱20,000 statement) by the due date, or the full balance to pay no interest.
Metrobank Titanium Mastercard annual fee, interest and charges
| Charge | Metrobank Titanium Mastercard | When, and the rule |
|---|---|---|
| Annual fee | ₱2,500 a year Supplementary: ₱1,500 a year | Waived in the first year. Supplementary: free for life on the 1st supplementary. Fee table: Primary: 2,500 (waived on 1st Year); supplementary: PHP 1,500 (Free for life on the 1st Supplementary)Metrobank fee table, 15 June 2026 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| Cash advance | ₱200 a withdrawal plus 3% a month interest | The BSP maximum (Circ. 1165). same table |
| Minimum due | ₱1,000 on a ₱20,000 first statement | Paying only the minimum, ₱20,000 takes about 31 months to clear and about ₱10,999 in interest. How Metrobank bills. same table |
| Late payment | ₱1,000 | same table |
| Foreign transactions | 3.5% | same table |
Figures from Metrobank credit card rates and fees (dated 15 June 2026), Metrobank credit card comparison. BSP ceilings: BSP Circular No. 1165, s.2023. How Metrobank words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: Metrobank billing rules.
Requirements and how to apply
Income: at least ₱350,000 a year (about ₱29,167 a month). bank page
Apply with the button below. Channels, documents, status and hotline: Metrobank contact and requirements.
Apply for the Metrobank Titanium Mastercard on Metrobank's site
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| Metrobank Titanium Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱350,000 a year |
| UnionBank Rewards Platinum Mastercard UnionBank | ₱2,500 a year | 3% | ₱3,712 | ₱180,000 a year |
| BDO Bench Mastercard BDO | ₱200 a month first year free | 3% | ₱3,612 | ₱180,000 a year |
| BDO Visa Classic BDO | ₱150 a month first year free | 3% | ₱3,012 | ₱180,000 a year |