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Metrobank · Mastercard · Platinum

Dollar Platinum MC

Why pick it: Pay in US dollars, shielded from forex swings

USD-billed Mastercard: annual fee USD 80, charges and payments in US dollars, no published rewards program.

Score
15 /100
Status
Dollar card
Annual fee
₱4,880
#155 of all 170 scored cardsThin data

Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.

SKIP ITHonest take

Pang-dollar spending ito: US dollars ang gamit sa gastos at sa bayad.

Bottom line: Kumikita ka ba ng dollars o may regular na USD spend? Itanong muna sa bank ang fee at rewards. Kung peso ang gastos mo, skip mo na.

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

Kung peso ang gastos, ~-₱7,000 ang labas para sa typical household (~₱825k a year). Negatibo ito kasi hindi nakalista sa page ang rewards, at kinakain ng conversion ang value (may 1.00% na cross-border fee sa converted transactions, galing sa data). ₱4,880 a year ang fee, galing sa data. Kapag nag-request ka ng waiver, ang bank ang magpapasya kada request. Dollar-billed ito, kaya hindi ito kasama sa ranking ng peso cards. 15 ang score nito.

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

  • You can spend and pay in US dollars, which protects your dollar spend from sudden forex swings.
  • One supplementary card is free for life.
  • Accepted anywhere Mastercard is.

What's bad

  • Rewards aren't listed on the page.
  • You need US dollars to pay the bill.
  • You need ₱700,000 a year in income and another bank's card held for 9+ months with a ₱150k+ limit.

The catch: Kaunti ang source namin dito, kaya mag-check ka sa bank. Sa card page, hindi nakalista ang annual fee. May 'Dollar Mastercard' na USD80 sa rates-and-fees page, pero iba ang pangalan, kaya hindi namin makumpirma kung ito ang card na iyon.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; rewards or earn rate; foreign fee. 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 −₱8,500 in rewards (−₱7,000) and travel value (−₱1,500), before the ₱4,880 annual fee (on request; the bank decides)
To qualify:
₱700,000 a year income; Needs another bank's credit card held 9+ months, ₱150k+ limit · Billed and paid in US dollars (dollar card)
Bank service:
About typical.

First year

Annual fee:
First-year annual fee (US$80) 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.

Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value0 / 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 spend0 / 37

      No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers12 / 16

      A ₱4,880 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,500 of travel value on one trip abroad a year, after the 1.00% foreign fee. The card bills in US dollars, so the foreign fee also hits peso spend. How the bars work

  • Promos and 0% installments9 / 15

    0% installment network: fair. Promos: fair, judged by what a typical household would likely save from the promos this card gets, past and current, with 25 live promos tracked. How it is scored

  • Points flexibility0 / 10

    No rewards, so nothing to redeem. 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 −₱7,000 a year in rewards and −₱1,500 in travel value.

Score over time

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

methodmethodmethodmethod32 DOct 2432 DOct 2614 DOct 2715 DNov 215 DNov 415 DNov 915 DNov 1015 DNov 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
₱4,880
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
1.00% (billed in USD)
Minimum income
₱700,000 a year
Also needs
Needs another bank's credit card held 9+ months, ₱150k+ limit · Billed and paid in US dollars

Rewards

Billed and paid in US dollars. No published rewards earn rate, and the card is not in any Metrobank Rewards redemption table. A 1.00% cross-border fee applies to converted transactions.

Type
Points
Points expiry
unknown

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • Billed in US dollars, so peso spend pays the FX fee
  • Some details could not be verified

Live and upcoming promos (25)

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

Show 20 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 ↗