Metrobank Credit Cards

Metrobank Credit Cards For Travel

Metrobank Credit Cards For Cashback

Metrobank Credit Cards For Rewards

NAFFL Metrobank Credit Cards

Still undecided? You can also explore our interactive comparison table, where you can filter cards by features, like cashback, rewards, travel insurance, and even those with waived annual fees.

Let’s say you’re only interested in cards with lounge access or no annual fee for life (NAFFL)? Just use the dropdown to filter cards instantly.

How to Choose the Right Metrobank Credit Card

Selecting the ideal Metrobank credit card depends on your lifestyle, spending priorities, and financial goals. Here’s a quick guide to help you decide:

• For Travel: If you travel frequently, the Metrobank Travel Signature Visa is a strong option. It offers rewards on travel-related spending, lounge access, and one of the lowest forex fees in the lineup, ideal for international trips.
• For Premium Perks: The Metrobank World Mastercard is suited for cardholders who want elevated privileges, including lounge access and premium benefits that complement a high-spending lifestyle.
• For Cashback: If you want savings on everyday expenses, the Metrobank Cashback Card is designed to give rebates on essential categories, making it a practical choice for households.
• For Car Owners: The Metrobank Toyota Mastercard is tailored for motorists, offering cashback on auto-related spending, perfect for those who regularly spend on fuel, maintenance, and car services.
• For Everyday Rewards: The MB Rewards Plus Card and MB Titanium Card are great for earning points on daily purchases such as dining, shopping, and online transactions.
• For NAFFL: If you prefer a straightforward card with no annual fee for life, the Metrobank M Free Card is a solid entry-level option. Similarly, the PSBank Credit Mastercard offers a no-annual-fee structure for budget-conscious users.

Metrobank Rewards Points Converter

Ever wondered how much your Metrobank credit card points are really worth? Our Rewards Converter makes it super easy to figure that out.

Let’s say you’re collecting points from your Metrobank Rewards Visa Platinum and you’re eyeing that ₱1,000 SM gift certificate or maybe a Cebu Pacific flight. Instead of guessing, just plug your points into our converter and see how much value you’re getting.

How to Apply for a Metrobank Credit Card

Applying for a Metrobank credit card is pretty straightforward. You’ll just need to prepare a few documents, fill out the form, and submit everything online or in person. Here’s how the process works:

1. Open Metrobank Credit Card Application Form.
2. Indicate whether you are a Metrobank credit cardholder, Metrobank depositor, or not an existing Metrobank client.
3. Input the referral code: BLX277.
4. Fill in your personal details. Click Proceed.
5. Choose whether you want to auto-fill the next section using your records from credit bureau or not. After this point, you will get an Online Reference Number. Copy and save.
6. Fill in your address and other personal details.
7. Next, fill in your employment details.
8. Review the summary, click Next once satisfied.
9. If you are eligible, you will be taken to the page where you can upload your documents (ID and proof of income). Submit once completed.

Metrobank-Accepted Valid IDs

• Philsys ID
• TIN ID
• PRC ID
• Driver’s License
• Passport
• UMID
• PWD ID

If you don’t have any of the above, you can still try applying using two (2) secondary IDs. These include:

• Senior Citizen ID
• Government Office or GOCC ID
• Company ID
• PhilHealth ID
• Voter’s ID
• Postal ID
• OFW / OWWA ID
• TIN ID
• Seaman’s Book
• Alien Certificate of Registration (ACR) or Immigrant Certificate (ICR)
• NCDA ID (may require further evaluation)

Metrobank-Accepted Proof of Income

Metrobank depositor with existing credit card:

• ₱50,000 total relationship balance (TRB) if less than 12 months
• ₱25,000 total relationship balance (TRB) for 12 months

Credit cardholders from other banks:

• Credit card is 9 months or older
• Credit limit is at least ₱25,000

Employed:

• Income tax return (ITR) duly stamped by BIR
• BIR Form 2316 duly signed by the employer
• Last 3 months’ payslip
• Certificate of Employment

Self-Employed:

• Latest audited financial statement (AFS) with bank/BIR stamp
• Income tax return (ITR) duly stamped by BIR

Foreigners:

• Proof of income or employment
• Copy of Alien Certificate of Registration (ACR) / Immigration’s Certificate of Residence (ICR) / VISA

Once you’ve gathered all your requirements, submit your application. Metrobank will evaluate your documents and may ask for additional proof if needed. Processing times can vary, but you’ll be notified through email, SMS, or call regarding the status of your application.

Frequently Asked Questions (FAQs)

1. How to redeem Metrobank Rewards Points

You can redeem your Metrobank Rewards Points through:

• MIA (Metrobank Interactive Assistant) via Facebook Messenger at m.me/MiaOfMetrobankCard
• Metrobank Contact Center at (02) 88-700-700

Simply choose your preferred reward (such as cash credit, annual fee waiver, eVoucher, or air miles) and provide the necessary details.

Processing times vary depending on the reward type. Cash credits and annual fee waivers typically take 3 to 5 banking days, eVouchers are processed within 1 banking day, while airline miles may take 1 to 7 banking days to be credited to your frequent flyer account.

2. Do Metrobank Reward Points expire

No, Metrobank Reward Points are non-expiring, allowing you to accumulate and enjoy your rebates anytime. However, points are purged once the account goes delinquent.

3. Is there a minimum income requirement

Yes, each card has its own income requirement listed in the individual card information above. The income requirement for Metrobank credit cards ranges from ₱180,000 to ₱867,000.

4. How long does the application process take

You can receive your Metrobank credit card application result in 1 to 2 weeks, depending on how complete your documents are, your mode of application, and the number of other applications to be evaluated.

If you’re an existing Metrobank client with a good record, approval can be faster.

5. How to lock/unlock your Metrobank credit card

You can simply open your Metrobank app, go to the Credit Cards section, and select your credit card. Toggle the Lock/Unlock switch, click confirm, and you are good to go.

Follow the same steps to unlock your card.

6. Can you request a supplementary card

Yes! You can request supplementary cards for loved ones aged 14 to 80. It’s a great way to consolidate rewards and manage shared expenses.

To request a supplementary Metrobank credit card, accomplish the supplementary form and email it along with the applicant’s ID to credit_supplementary@metrobankcard.com.

7. How to track Metrobank credit card delivery

You can track the status of your Metrobank credit card delivery directly through the Metrobank App. Simply log in to your account to view your card’s delivery status.

You will also receive SMS updates regarding your card delivery.

For account-specific concerns, you may contact the Metrobank Contact Center at (02) 88-700-700 (domestic toll-free: 1-800-1888-5775). For general inquiries, you may email customercare@metrobank.com.ph.

8. How to activate/deactivate your Metrobank credit card

You can activate your Metrobank credit card through the Metrobank App, SMS, or the card activation hotline.

• Metrobank App
  For new Metrobank clients, download the app and sign up using your new credit card. Once logged in, go to your Dashboard > Activate Card > enter your 6 digit passcode to confirm.
  
  If you’re an existing app user, open the sidebar menu, select My Accounts > Credit > Enroll to add your card. Once enrolled, tap Activate > enter your 6-digit passcode to complete activation.
  
• Via SMS
  Using your registered mobile number and text ACT <16-digit card number> to 225622 (for example: ACT 9876543210000000). You will receive a confirmation message once your card has been successfully activated.
  
• Card Activation Hotline
  Call (02) 88-603-030 and follow the Interactive Voice Response System (IVRS) prompts. Wait for the confirmation message to verify that your card has been activated.

If you need to deactivate or temporarily block your Metrobank credit card, you may do so instantly through the Metrobank App or contact the Metrobank Contact Center at (02) 88-700-700 for immediate assistance. Always report lost or stolen cards right away to prevent unauthorized transactions.

9. Where to pay or settle my Metrobank credit card bill

Pay your credit card bill via Metrobank Online (website or app) to enjoy real-time posting.

Other payment options include:

Same-day Posting

• Over-the-counter at Metrobank branches
• Metrobank ATMs

Posting within few banking days:

• Gcash
• GoTyme
• Coins.ph
• ECPay Partners
• CLiQQ by 7-Eleven
• Robinsons Department Store
• BancNet Online/BancNet ATM
• SM Supermalls and Supermarkets
• Bayad Center Branches or Mobile App
• PSBank/Security Bank/RCBC branches
• PSBank/Security Bank/RCBC online or mobile app

If you have a Metrobank deposit account, you can also schedule payments on your due date, either in full or the minimum amount due, no need to issue checks or wait in line.

For other channels, payments can take up to 3 days to be posted, so make sure to settle your credit card bill in advance. That way, you’ll avoid late payment charges and keep your credit record in good standing.

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