Metrobank Toyota Mastercard

BLX277

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Earn Cashback

Earn a 3% fuel rebate at Petron stations and a 10% discount on Toyota parts, accessories, and labor. Plus, get 2 Rewards Points for every ₱20 spent on preferred Toyota dealers.

Earn up to ₱15,000 in fuel rebates every year, plus the 10% discounts.

Eligibility

A resident of the Philippines with a valid Philippine billing address
At least 18 years old
With TIN, SSS, or UMID number
With a minimum gross annual income of ₱180,000
With a postpaid/residential line or a postpaid mobile phone
With good credit standing (if you have a credit card with other banks)

Basic Requirements

Completely filled-out Metrobank Credit Card Application Form
Photocopy of one (1) valid ID with picture and signature

Proof of Income

For Metrobank depositors with existing credit cards:

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

For credit cardholders from other banks:

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

For employed individuals:

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

For self-employed individuals:

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

For foreigners:

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

Fees & Charges

Annual Fee	Principal: ₱2,500 (waived on 1st year) 1st Supplementary: NAFFL 2nd Supplementary: ₱1,250
Interest	3% per month
Cash Advance Service Fee	₱200
Cash Advance Interest	3%
Late Payment Fee	₱1,000 or the unpaid minimum due (whichever is lower)
Overlimit Fee	₱750 per occurrence
PayNow Transaction Fee	₱25 or 1.5% of transacted amount (whichever is higher)
Initial Interest**	(Approved Principal Amount x Monthly EIR x # of days from the approval date to the statement date) / 30 days
Installment Cancellation or Pre-Termination Fee	₱550 or 5% of the remaining principal (whichever is higher)
PayDirect Transaction Fee	3% of payment amount
Quasi-Cash Fee	5% for cryptocurrency purchases and cash-like transactions.
Card Replacement Fee	₱400
Foreign Transaction Service Fee	2.5% + 1% Cross Border Service Fee
Multiple Payment Fee	None as of Q1 2026

1. How do I redeem my Metrobank cashback?

You can redeem your Metrobank cashback by calling Metrobank Customer Service Hotline at (02) 88-700-700. Note that you cannot use your cashback to redeem rewards through the Metrobank Rewards Catalogue.

2. Does Metrobank cashback expire?

No, Metrobank cashback earned using your credit card does not expire. However, they can be purged once the account goes delinquent.

3. What valid IDs are accepted when applying?

To apply for a Metrobank credit card, you can submit one of these primary IDs:

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

Note: All IDs must be valid and original. Metrobank may request additional documents for verification if needed.

4. Is there a minimum income requirement?

Yes, the minimum gross income requirement is ₱180,000 a year, or around ₱15,000 per month.

If you’re an existing cardholder from another bank, you may qualify through a fast-track application by submitting your latest credit card statement without the need for proof of income.

5. How long does it take to process the application?

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.

6. Is the Metrobank Toyota Mastercard a NAFFL (No Annual Fee For Life) card?

No, the Metrobank Toyota Mastercard comes with an annual fee of ₱2,500 for the principal cardholder, NAFFL for the first supplementary card, and ₱1,250 thereafter.

Sometimes, Metrobank offers NAFFL or waived annual fee promos either through:

Signing up during a promo campaign
Spending a minimum amount within a given period (e.g., waive your annual fee if you spend 100x your AF during the current year)
Special limited-time offers

Check the latest Metrobank promo mechanics or contact their customer service to see if you qualify.

7. Can I 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.

8. Where can I pay or settle my Metrobank Toyota Mastercard 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.

9. What is Cash2Go, and how do I use it?

Cash2Go is a convenient service offered by Metrobank that allows cardholders to withdraw cash from their credit card account without using an ATM card. It’s a quick way to access funds directly from your credit line.

Its repayment terms range from 3 to 60 months with affordable interest rates of up to 1%. Cash2Go can be availed straight from the Metrobank app or by calling Metrobank hotline at (02) 88-700-919.

10. What is the difference between Cash2Go and cash advance?

A cash advance lets you withdraw cash from your Metrobank credit card using an ATM or branch, but it comes with higher fees and interest that starts accruing immediately.

Cash2Go, by contrast, is a cardless service that allows you to access your credit line through the Metrobank App or hotline, with lower interest rates and flexible repayment terms.

While Cash2Go is generally cheaper than a traditional cash advance, it’s not immediately available to all cardholders, as it’s offered on a per-offer basis and applications are subject to approval.