Skip to content
SulitCard
Illustration, not the bank's artwork.

Metrobank · Mastercard · Platinum

Toyota Platinum MC

Why pick it: 3% back on fuel and tolls, up to ₱15k a year

Motorist card: 3% rebate on fuel and tolls worldwide (₱15,000 yearly cap), 10% off parts, accessories and labor at Toyota dealers.

Score
29 /100
Rank
#57 of 123
Annual fee
₱2,800
Solid B
GET IT IF…Honest take

Pang-driver ito: 3% sa gas at toll (kahit abroad), pero may cap at conditions, at mas malaki ang foreign fee kaysa sa rebate.

Bottom line: Malaki ba ang gas at toll spend mo, may Toyota ka, at private use ang card? Sulit ito hanggang cap. Kung bihira kang mag-drive o madalas abroad, kaunti ang makukuha mo.

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

Sa typical household (~₱825k a year), kumikita ito ng ~₱3,000 sa rewards, pero -₱2,000 ang travel value, negative kasi kinakain ito ng 3.50% na foreign fee. 29 ang score, #57 mula 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

  • 3% rebate sa gas at toll, including abroad, up to ₱15,000 a year combined.
  • 10% off genuine parts, accessories at labor sa Toyota dealers, para sa vehicles na nakapangalan sa iyo.
  • Income requirement: ₱350k a year lang.

What's bad

  • Per the bank's rewards T&C, ₱1,250 a month ang cap ng fuel at toll rebate, at para sa private use lang.
  • Mas malaki ang 3.50% na foreign transaction fee (rates-and-fees page) kaysa sa 3% rebate, kaya talo ka pa rin sa gas abroad.
  • 1 point per ₱20 lang ang earn sa lahat ng iba, from our data.
  • Kailangan mo ng card ng ibang bank na hawak mo nang 9+ months, may ₱50k+ na limit.

The catch: Wala sa card page ang annual fee; nakita namin ang ₱2,800 (waived sa year one) sa rates-and-fees page. Nasa Toyota Platinum rewards T&C ang monthly cap at private-use condition. Ang 1 point per ₱20 na base earn ay from our data, hindi sa page o T&C.

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); monthly rebate cap (seen in rewards T&C); foreign fee (seen on rates-and-fees page); base earn rate of 1 point per ₱20 (from our data; not on card page or T&C). 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 (₱3,000) and travel value (−₱2,000), before the ₱2,800 annual fee (on request; the bank decides)
To qualify:
₱350,000 a year income; Needs another bank's credit card held 9+ months, ₱50k+ limit
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 (₱2,800) 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

#57 of 123 cards open to new applicants, and #79 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value7 / 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 spend7 / 37

      About ₱3,000 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 waivers12 / 16

      A ₱2,800 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 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 ₱3,000 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.

methodmethodmethodmethod46 BOct 2446 BOct 2628 BOct 2728 BNov 228 BNov 429 BNov 929 BNov 1029 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
₱2,800
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
3.50%
Minimum income
₱350,000 a year
Also needs
Needs another bank's credit card held 9+ months, ₱50k+ limit

Rewards

3% rebate on fuel at any station worldwide and on tolls, including RFID top-ups, credited within 2 statement cycles. Other spend earns 1 Metrobank Rewards point per ₱20, and 2 points per ₱20 at your preferred Toyota dealer.

Caps: ₱1,250 per month (fuel, tolls & car service); ₱15,000 per year (fuel, tolls & car service)

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 and tolls & car service capped at ₱1,250 a month
  • 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 ↗