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Metrobank · Visa · Signature

Femme Signature Visa

Why pick it: 3x points on hotels, spas, salons and overseas

Stop-sell Visa Signature: 3 points per ₱20 on hotels, hospital bills, salons, spas and overseas spend; 5 points per mile.

Score
36 /100
Status
Closed to new
Annual fee
₱5,000
#60 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.

KEEP IT IF YOU HAVE ITHonest take

Bonus points sa hotels, spa at salon. Stop-sell na ito sa new applicants, at luma na ang page.

Bottom line: Kung hawak mo na ito at hindi ka nagta-travel abroad, i-keep mo. Mag-confirm muna sa bank ang rewards bago umasa.

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

Kapag hawak mo ito, ang typical household (~₱825k a year) ay may ~₱3,000 sa rewards, at negative ang travel value (~-₱1,000) kasi may foreign fee. Ang annual fee ay ₱5,000, waived sa unang taon, per rates-and-fees page. Tanungin ang bank tungkol sa waiver, sila ang magdedesisyon.

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

  • Triple points sa hotels, hospital bills, salons, spas at overseas spend, per the old page.
  • 1 point per ₱20 sa lahat ng iba pa. Walang expiry ang points, galing sa data.
  • Free for life ang first supplementary card.

What's bad

  • Stop-sell ito per the Metrobank conversion terms, kaya sarado na sa new applicants.
  • Umaabot sa 3.50% ang foreign fee (1% cross border fee plus 2.50% forex processing fee, per rates-and-fees page), kaya nauubos nito ang triple points abroad, sa computation namin.
  • May ₱4,800 a year na cap sa rewards, galing sa data.

The catch: Manipis ang source namin dito. Galing sa lumang site ang card page, at Feb 10, 2023 ang petsa ng fees table nito. Ang annual fee ay hindi nakasulat sa card page; sa rates-and-fees page namin ito nakita. Mag-confirm sa bank ang rewards at ang fee.

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); rewards cap (from our data); foreign fee (seen on rates-and-fees page); points expiry (from our data). 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 ₱2,000 in rewards (₱3,000) and travel value (−₱1,000), before the ₱5,000 annual fee (on request; the bank decides)
To qualify:
₱700,000 a year income; Stop-sell: closed to new applicants; holders being converted (closed to new)
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value9 / 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 spend6 / 37

      About ₱3,000 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 ₱5,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,000 of travel value on one trip abroad a year, after the 3.50% foreign fee. How the bars work

  • Promos and 0% installments12 / 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 40 live promos tracked. How it is scored

  • Points flexibility9 / 10

    3 airline partners, and points that do not expire. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path4 / 5

    Signature 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 ₱3,000 a year in rewards and −₱1,000 in travel value.

Score over time

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

methodmethodmethodmethod49 BOct 2449 BOct 2635 BOct 2736 BNov 236 BNov 437 BNov 937 BNov 1036 BNov 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
₱5,000
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱700,000 a year
Also needs
Stop-sell: closed to new applicants; holders being converted

Rewards

1 point per ₱20 base, and 3 points per ₱20 on hotels, hospital bills, salons, spas and all overseas spend (per an older Metrobank page). 5 points = 1 mile.

Caps: ₱4,800 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
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Points don't expire; 3 airline partners

Watch out for

  • High FX fee (3.50%): avoid using it abroad
  • Rewards capped at ₱4,800 a year
  • Some details could not be verified

Live and upcoming promos (40)

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

Show 35 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 ↗