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Metrobank · Visa · Platinum

Cashback Visa

Why pick it: 5% back on groceries, telecom and school spend

Cashback Visa: 5% rebate on groceries, telecom, digital subscriptions, schools and bookstores; 0.2% on all other spend.

Score
52 /100
Rank
#16 of 123
Annual fee
₱3,500
Solid A
GET IT IF…Honest take

5% on groceries, telco at school spend, pero 0.2% lang sa iba, may cap pa.

Bottom line: Kung groceries, telco at school spend ang bulk ng gastos mo, sulit ito, lalo na habang may promo. Kung hindi, 0.2% rebate lang ang makukuha mo sa ibang spend.

Read the full take: the math, what's good, what hurts

Para sa typical household (~₱825k a year), ~₱10,000 ang balik, pero negative ang travel value (~-₱2,000) kasi kinakain ito ng 3.50% sa foreign spend. Annual fee: ₱3,500, waived sa first year. Pagkatapos, pwede mong hilingin ang waiver, bahala ang bank. 52 ang score at #16 ang puwesto sa 123 cards.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • 5% rebate sa groceries, telecom, subscriptions, school at bookstore spend.
  • Mababa ang income requirement: ₱480k a year.
  • Galing sa data: may promo na nag-aalis ng condition sa 5%, Aug 4, 2026 to Sep 3, 2027.

What's bad

  • Per the page, up to ₱12,000 a year ang pwede mong i-save; galing sa data ang ₱1,000 a month cap.
  • Overseas purchases: 3.50% ang fee, per the rates-and-fees page, kaya huwag itong gamitin abroad.
  • Kailangan ng card ng ibang bank (hawak nang 9+ months, ₱50k+ limit).

The catch: Annual fee: hindi nakalagay sa card page, pero nakita namin ang ₱3,500 sa rates-and-fees page. Wala rin sa card page ang condition para sa 5%. Galing sa data: kailangan ng ₱12,000 na spend sa labas ng 5% categories bawat cycle para makuha ang 5%.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee (not on card page; seen on rates-and-fees page); monthly rebate cap (from our data); out-of-category spend requirement (from our data); promo period (from our data); foreign fee (seen on rates-and-fees page). Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about ₱8,000 in rewards (₱10,000) and travel value (−₱2,000), before the ₱3,500 annual fee (on request; the bank decides)
To qualify:
₱480,000 a year income; Needs another bank's credit card held 9+ months, ₱50k+ limit
Bank service:
About typical.

First year

Welcome offer:
5% rebate without the ₱12,000 out-of-category spend requirement; open to new-to-Metrobank and existing Cashback Visa cardholders (ends Sep 3, 2027)
Annual fee:
First-year annual fee (₱3,500) waived.

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Who can apply

Age:
18 to 70.
Employment:
At least 6 months employed as a regular employee.
Existing card:
A principal card from another bank, held 9+ months, with a limit of ₱50,000 or more.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#16 of 123 cards open to new applicants, and #21 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value26 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend22 / 37

      About ₱10,000 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers12 / 16

      A ₱3,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱2,000 of travel value on one trip abroad a year, after the 3.50% foreign fee. How the bars work

  • Promos and 0% installments13 / 15

    0% installment network: fair. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 41 live promos tracked. How it is scored

  • Points flexibility6 / 10

    Cashback is simple to use but cannot move to an airline. How it is scored

  • Credit limit and upgrade path3 / 5

    Platinum card level, plus how Metrobank handles credit limit increases and card upgrades. How it is scored

  • App and service2 / 5

    Banking app: average. Service: about typical. How it is scored

  • Late fee1 / 2

    A late fee of ₱1,000 for one missed payment. How it is scored

On the default spend: about ₱10,000 a year in rewards and −₱2,000 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod61 AOct 2461 AOct 2651 AOct 2752 ANov 252 ANov 452 ANov 952 ANov 1052 ANov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱3,500
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱480,000 a year
Also needs
Needs another bank's credit card held 9+ months, ₱50k+ limit

Rewards

5% cash back on groceries, telco and streaming, digital subscriptions, schools and bookstores, when other spend reaches ₱12,000 in the cycle (waived under a promo for transactions Aug 4, 2026 to Sep 3, 2027); otherwise 0.2%. Redeem in ₱1,000 steps. Government payments, e-wallet loads and PayBills earn nothing.

Caps: ₱1,000 per month (groceries, fuel, tolls & car service, utilities, telco bills, dining, online shopping, foreign online spend, department stores, drugstores, school fees, airfare, hotels, spending abroad, everything else); ₱12,000 per year (groceries, fuel, tolls & car service, utilities, telco bills, dining, online shopping, foreign online spend, department stores, drugstores, school fees, airfare, hotels, spending abroad, everything else)

Type
Cashback
Points expiry
unknown

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • High FX fee (3.50%): avoid using it abroad
  • Rewards capped at ₱1,000 a month
  • Earns little outside its bonus categories

Live and upcoming promos (41)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 36 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official Metrobank card page ↗