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Metrobank · Mastercard · World Elite

ICON World Elite MC

Why pick it: Unlimited lounges, 1% foreign fee, 1 mile per ₱15

Invite-only World Elite Mastercard: ₱15 per mile on shopping and dining, unlimited lounge access, 2 airport transfers a year, USD 500k travel accident cover.

Score
26 /100
Status
By invitation
Annual fee
₱28,000
#95 of all 170 scored cardsThin data

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

BY INVITATION ONLYHonest take

Unlimited lounge ito, pero sa typical household, mas malaki ang fee kaysa sa rewards.

Bottom line: Na-invite ka ba, at mas mataas ang spend mo kaysa sa typical household? Ikumpara muna ang fee sa rewards.

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

Kung na-invite ka, ang typical household (~₱825k a year) ay may ~₱15,000 na rewards at ~₱5,500 na travel value. Annual fee: ₱28,000. May option kang humingi ng waiver sa bank, pero sila ang magdedesisyon sa bawat request.

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

  • Unlimited airport lounge access at complimentary airport transfers.
  • 1 mile per ₱15 sa shopping at dining (hindi nakasulat sa page ang exact rate).
  • Low foreign fee: 1.00%, per the rates-and-fees page.
  • One night free sa partner hotels, plus complimentary green fees.

What's bad

  • Invitation only, ayon sa page, kaya walang open application.
  • Hindi nakalista sa card page ang travel insurance at minimum income.

The catch: Annual fee: hindi nakasaad sa card page; galing sa rates-and-fees page ang ₱28,000. Galing sa data ang travel insurance at bilang ng lounge visits. Kung na-invite ka, mag-confirm 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); travel insurance; number of lounge visits; minimum income. 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 ₱20,500 in rewards (₱15,000) and travel value (₱5,500), before the ₱28,000 annual fee (rarely waived at this fee level)
To qualify:
By invitation; Invitation only (select clients); no income or deposit threshold published (by invitation)
Bank service:
About typical.
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 spend32 / 37

      About ₱15,000 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 waivers0 / 16

      A ₱28,000 fee that banks rarely waive at this level. How the bars work

    • Travel and perks on the default spend7 / 10

      About ₱5,500 of travel value on one trip abroad a year, after the 1.00% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and travel insurance, though insurance counts only a little toward this figure and the score. 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 27 live promos tracked. How it is scored

  • Points flexibility9 / 10

    3 airline partners, and points that do not expire. How it is scored

  • Credit limit and upgrade path5 / 5

    World Elite 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 ₱15,000 a year in rewards and ₱5,500 in travel value.

Score over time

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

methodmethodmethodmethod69 SOct 2469 SOct 2625 COct 2725 CNov 225 CNov 426 CNov 926 CNov 1026 CNov 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
₱28,000
Supplementary fee
₱0
Fee waiver
Rarely waived at this fee level
Foreign transaction fee
1.00%
Minimum income
By invitation
Also needs
Invitation only (select clients); no income or deposit threshold published

Rewards

1 point per ₱20 base (1 mile per ₱50), and 1 mile per ₱15 on shopping and dining. 2.5 points = 1 mile with no annual cap. Cash credit of ₱2,000 per 20,000 points.

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles

Travel perks

International lounge visits
99 a year
Local lounge
unlimited
Travel insurance
Up to ₱30,500,000, covers family

Strengths

  • Low FX fee (1.00%)
  • Unlimited international lounge visits
  • Unlimited local lounge access
  • Travel insurance up to ₱30M covering family

Watch out for

  • ₱28,000 annual fee; a waiver is not guaranteed

Live and upcoming promos (27)

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

Show 22 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 ↗