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Metrobank · Visa or Mastercard · Classic

Hype (Visa or MC)

Why pick it: Secured route from ₱15k, skip the income papers

First-card Visa: 1 point per ₱20 on all spend; new applicants start with a secured card (₱15,000 hold-out).

Score
18 /100
Rank
#103 of 123
Annual fee
₱1,500
Solid DThin data

Thin data: the bank does not publish the income requirement. Check with the bank before you apply.

ONLY TO BUILD CREDITHonest take

First card ito para sa gustong magsimula ng credit record gamit ang secured route.

Bottom line: Wala ka pang credit card at gusto mong magsimula ng record? Secured route muna. Bayaran nang buo kada buwan, tapos lipat ka sa card na may totoong rewards.

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

Maliit ang rewards: balik na ~₱500 sa buong taon para sa typical household (~₱825k a year), at ~-₱2,000 sa travel side, negative kasi may foreign fee. Sa open list, #103 ang Hype mula sa 123; 18 ang score.

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

  • Secured route: holdout as low as ₱15,000, at sa branch ang application.
  • Per the secured card page, the secured route asks for no income documents.
  • 1 point per ₱20 ang earn, at may 0% installment sa partner merchants.

What's bad

  • Naka-hold ang pera mo bilang holdout, at hindi sinasabi ng page kung hanggang kailan ito naka-lock.
  • Rewards are small, so this is not a card for earning.
  • Foreign spend fee: 3.50%, per the rates-and-fees page. Hindi ito bagay gamitin abroad.

The catch: Ang annual fee at ang eligibility ng unsecured card ay wala sa Hype page. Nakita namin ang ₱1,500 sa rates-and-fees page, at libre ito sa first year. May '99% approval rate' na headline ang secured page, pero ang bank pa rin ang magdedesisyon. Mag-confirm ka sa bank.

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); unsecured eligibility and income; foreign fee (seen on rates-and-fees page); how long the holdout stays locked. 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 −₱1,500 in rewards (₱500) and travel value (−₱2,000), before the ₱1,500 annual fee (on request; the bank decides)
To qualify:
Not published; Entry route is Secured Card: ₱15,000 hold-out, branch application · Unsecured eligibility criteria not published
No card yet:
Can also be started as a secured card (₱15,000 minimum hold-out, no credit history needed)
Redeeming rewards:
Points convert to airline miles from a minimum of 21,000 points, up to 105,000 points a year.
Bank service:
About typical.

First year

Annual fee:
First-year annual fee (₱1,500) 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.

Score breakdown, fees, rewards and perks

Score breakdown

#103 of 123 cards open to new applicants, and #143 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value2 / 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 spend2 / 37

      About ₱500 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 waivers16 / 16

      A ₱1,500 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% 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 34 live promos tracked. How it is scored

  • Points flexibility3 / 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 path2 / 5

    Classic 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 ₱500 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.

methodmethodmethodmethod42 COct 2442 COct 2617 DOct 2718 DNov 218 DNov 418 DNov 918 DNov 1018 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
₱1,500
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
Not published
Also needs
Entry route is Secured Card: ₱15,000 hold-out, branch application · Unsecured eligibility criteria not published

Rewards

1 point per ₱20, for eVouchers. New applicants can also get the card through the Secured Card program (₱15,000 hold-out).

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

Live and upcoming promos (39)

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

Show 34 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 ↗