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Metrobank · Mastercard · Classic

Toyota MC

Why pick it: 3% at Petron, 10% off Toyota parts and labor

Legacy Toyota card: 3% rebate at Petron stations (₱15,000 yearly cap), 10% off parts and labor at Toyota dealers, 2x points at preferred dealer.

Score
25 /100
Rank
#72 of 123
Annual fee
₱2,500
Solid C
GET IT IF…Honest take

Petron: 3% rebate. Toyota: 10% off sa parts, accessories at labor. Maliit ang earn sa iba.

Bottom line: Petron ba ang gas mo at Toyota ang sasakyan? Okay ito.

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

Sa typical household (~₱825k a year), ~₱2,500 ang makukuha mo, habang ~-₱2,000 ang travel side, negative dahil sa foreign fee (3.50%). Annual fee: ₱2,500. Puwede kang humiling ng waiver (from our data), pero sa bank ang desisyon.

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

  • 3% fuel rebate sa Petron, up to ₱15,000.
  • 10% off sa parts, accessories at labor sa Toyota.
  • 2x points sa preferred Toyota dealer.

What's bad

  • Petron lang ang nakalistang may 3% rebate sa page.
  • Mataas ang charges abroad: 3.50%.
  • 1 point per ₱20 lang ang earn sa everything else, from our data.

The catch: Walang closure notice ang card page, at nakalista ang Toyota Mastercard na may Apply Now sa comparison page ng Metrobank. Pero same ang Apply Now link nito sa Toyota Platinum, at Platinum lang ang nasa main card carousel, kaya kumpirmahin sa bank kung nag-i-issue pa sila ng card na ito. Wala sa card page ang annual fee; nakita namin ang ₱2,500 (waived sa first year) sa rates-and-fees page, updated May 28, 2026.

Rechecked on the bank page on 2026-10-25. Not on the page: annual fee (not on card page; seen on rates-and-fees page); foreign fee (seen on rates-and-fees page); earn rate outside Petron (from our data); any statement that the card is closed, replaced or discontinued. 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 ₱500 in rewards (₱2,500) and travel value (−₱2,000), before the ₱2,500 annual fee (on request; the bank decides)
To qualify:
₱180,000 a year income
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 (₱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

#72 of 123 cards open to new applicants, and #102 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value6 / 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 spend5 / 37

      About ₱2,500 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 ₱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 flexibility4 / 10

    Cashback is simple to use but cannot move to an airline. 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 ₱2,500 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.

methodmethodmethodmethod43 COct 2443 COct 2626 COct 2725 CNov 225 CNov 425 CNov 925 CNov 1025 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
₱180,000 a year

Rewards

3% rebate at Petron stations nationwide, credited the cycle after posting. Other spend earns 1 point per ₱20, and 2x at preferred Toyota dealers.

Caps: ₱15,000 per year (fuel)

Type
Cashback
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

Watch out for

  • High FX fee (3.50%): avoid using it abroad
  • Rewards on fuel capped at ₱15,000 a year
  • Earns little outside its bonus categories

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 ↗