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Illustration, not the bank's artwork.

Metrobank · Mastercard · Platinum

Platinum MC

Why pick it: 1 point per ₱20 on all spend, no categories

Mastercard Platinum: flat 1 point per ₱20 with no bonus categories, miles at 5 points per mile, up to 50% off dining deals.

Score
35 /100
Status
Closed to new
Annual fee
₱5,000
#63 of all 170 scored cards
KEEP IT IF YOU HAVE ITHonest take

Mukhang hindi na minamarket ng Metrobank ang card na ito, kaya huwag mo nang habulin.

Bottom line: Kung hawak mo na ito at hindi ka nagta-travel abroad, i-keep mo. Kung bagong card ang hanap mo, ibang card na lang.

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

Nasa iyo na ba ito? Ang typical household (~₱825k a year) ay may ~₱3,500 na rewards, pero negative ang net travel value (~-₱1,500) kasi may foreign fee. Ang annual fee ay ₱5,000, galing sa data. Kung hihingi ka ng waiver, sa bank ang final na pasya.

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

  • 1 point per ₱20 sa lahat ng spend, flat at galing sa data.
  • Libre ang first supplementary card.
  • May e-commerce protection insurance at dining deals na hanggang 50% off.

What's bad

  • Ang foreign transaction fee ay 3.50%, galing sa data, kaya huwag itong gamitin abroad.
  • Capped sa ₱4,800 a year ang rewards, galing sa data.
  • Walang lounge o travel insurance sa data namin.

The catch: Sa compare page ng Metrobank, 'Learn More' lang ang nasa card na ito habang 'Apply Now' ang nasa ibang cards. It is also absent from the main credit card list, and the Apply Now tab on its own page is empty. No page says 'closed'; we treat it as closed to new applicants based on our data, which we can't confirm on the page. Ang annual fee at rewards terms ay hindi nakasulat sa page.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; earn rate; rewards cap; 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 ₱2,000 in rewards (₱3,500) and travel value (−₱1,500), before the ₱5,000 annual fee (on request; the bank decides)
To qualify:
₱700,000 a year income; Not on main card grid; product page has no Apply button (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 spend8 / 37

      About ₱3,500 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 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 −₱1,500 of travel value on one trip abroad a year, after the 3.50% foreign fee. How the bars work

  • Promos and 0% installments11 / 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 37 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 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 ₱3,500 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.

methodmethodmethodmethod49 BOct 2449 BOct 2636 BOct 2735 BNov 235 BNov 436 BNov 936 BNov 1035 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
Not on main card grid; product page has no Apply button

Rewards

1 point per ₱20 on all eligible spend, no bonus categories. 5 points = 1 mile; cash credit of ₱500 per 10,100 points; eVoucher of ₱1,000 per 23,340 points.

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

Live and upcoming promos (37)

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

Show 32 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 ↗