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Metrobank · Mastercard · Titanium

Titanium MC

Why pick it: 2x points online and dining, points never expire

Mastercard points card: 1 point per ₱20, 2 points at department stores, dining and online; points never expire.

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

Mababa ang entry requirement, pero maliit ang balik sa karamihan ng spend, galing sa data.

Bottom line: Kung makuha mo ang no-fee promo at ito ang first Metrobank card mo, okay itong starter. Kung magbabayad ka ng fee, hindi ito sulit. Skip mo ito kung rewards ang habol.

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

~₱1,000 lang ang balik para sa typical household (~₱825k a year), at ~-₱2,000 ang travel value (negative dahil sa foreign fee). Nasa puwesto #83 sa 123, at 23 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

  • 2x points sa online, department store at dining. 1 point per ₱20 sa iba; points never expire.
  • Mababa ang income requirement: ₱350k a year, at kailangan ng 6 months bilang regular employee o principal cardholder sa ibang bank.
  • May 0% installment programs.

What's bad

  • Mas maliit ang rewards (~₱1,000) kaysa sa ₱2,500 fee kung hindi ito ma-waive.
  • 3.50% ang foreign fee per the rates-and-fees page, kaya hindi ito pang-abroad.
  • Hindi nakalista sa page ang lounge o travel perks.

The catch: Wala sa card page ang annual fee. Nakita namin ang ₱2,500 sa rates-and-fees page. May promo para sa new Metrobank cardholders, from our data: free for life ang fee kapag nag-spend ka ng ₱30,000 within 90 days at nag-enroll sa Metrobank App. Wala ito sa card page, kaya i-verify muna 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); no-annual-fee-for-life promo (from our data); 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, in blocks of 20,000, up to 100,000 points a year.
Bank service:
About typical.

First year

Welcome offer:
New-to-Metrobank principals: no annual fee for life after ₱30,000 spend within 90 days of approval plus Metrobank App enrollment (ends Jan 31, 2027)
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

#83 of 123 cards open to new applicants, and #115 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 spend3 / 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% 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 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

    Titanium 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 2624 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 at department stores, dining and online. Points go to eVouchers (₱1,000 for 30,000 points), miles (25 points per mile) or cash credit.

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 (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 ↗