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Metrobank · Visa · Platinum

Rewards Plus Visa

Why pick it: 2x points on gadgets, telco and online spend

Visa points card: 1 point per ₱20, 2 points on telecom, gadgets, online, transport and auto spend; points never expire.

Score
23 /100
Rank
#86 of 123
Annual fee
₱2,500
Solid C
GET IT IF…Honest take

'Plus' sa pangalan, pero manipis ang balik kahit may 2x points sa gadgets at online.

Bottom line: Mas maliit ang ~₱1,000 na rewards kaysa sa fee pagkatapos ng first year. Kunin lang ito kung gusto mo ng Metrobank card at ng first-year waiver; maraming card sa ranking namin ang mas malaki ang balik.

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

Sa buong taon, ~₱1,000 lang ang kita ng typical household (~₱825k a year) sa rewards. Negative naman ang travel side (~-₱2,000) dahil sa fee sa foreign transactions (3.50%), kaya halos wala nang matitira. 23 ang score, kaya #86 ito sa 123 cards.

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

  • 2x points sa gadgets, internet at mobile services, at online spend.
  • 1 point per ₱20 on all other spend, and points never expire.
  • May 0% installment programs.

What's bad

  • Per the rates-and-fees page, foreign spend carries a 1% cross border fee plus a 2.50% forex processing fee. Avoid using it abroad.
  • The page lists no lounge or travel insurance.

The catch: Ang eligibility requirements at annual fee ay hindi makikita sa card page; nakita namin ang ₱2,500 sa rates-and-fees page, libre sa first year. Ang ₱350,000 na taunang income ay galing sa data.

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); minimum income (from our data); eligibility requirements; foreign fee (seen on rates-and-fees page); lounge or insurance perks. 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 −₱1,000 in rewards (₱1,000) and travel value (−₱2,000), before the ₱2,500 annual fee (on request; the bank decides)
To qualify:
₱350,000 a year income
Redeeming rewards:
Points convert to airline miles from a minimum of 20,000 points, up to 100,000 points a year.
Bank service:
About typical.

First year

Annual fee:
First-year annual fee (₱2,500) 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

#86 of 123 cards open to new applicants, and #119 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 ₱1,000 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 waivers16 / 16

      A ₱2,500 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% 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 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 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 ₱1,000 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.

methodmethodmethodmethod45 COct 2445 COct 2622 COct 2723 CNov 223 CNov 423 CNov 923 CNov 1023 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
₱2,500
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱350,000 a year

Rewards

1 point per ₱20 base, and 2 points per ₱20 on telecom, electronics and gadgets, online, transportation such as Grab, and auto dealers and service. Points go to eVouchers or miles (25 points per mile).

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 (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 ↗