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Metrobank · Visa · Platinum

Travel Platinum Visa

Why pick it: 1 mile per ₱17 on airline, hotel, foreign spend

Stop-sell Visa miles card: 3 points per ₱20 on airline, hotel and foreign spend, 1 point per ₱20 otherwise; 2.5 points per mile.

Score
72 /100
Status
Closed to new
Annual fee
₱5,000
#6 of all 170 scored cards
KEEP IT IF YOU HAVE ITHonest take

Malakas ito sa travel spend, pero stop-sell na para sa new applicants.

Bottom line: Kung hawak mo na ito, keep it hangga't hindi ka nililipat. Kapag nilipat ka ng bank sa ibang card, nasa conversion program nila ang mga option.

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

Hawak mo na ba ito? Kung oo, nagbabalik ito ng ~₱11,000 sa typical household (~₱825k a year) at may travel value na ~₱4,500, kahit 3.50% ang sinisingil sa foreign spend. Annual fee: ₱5,000; tanungin ang bank tungkol sa waiver, sila ang magdedesisyon.

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 points per ₱20 sa airline, hotel at foreign-currency spend, katumbas ng 1 mile per ₱17.
  • 1 point per ₱20 sa lahat ng iba. Points na hindi nag-e-expire, galing sa data.

What's bad

  • Stop-sell per the Metrobank card conversion terms, so no new applicants.
  • The rates-and-fees page lists 1% cross border fee plus 2.50% forex processing fee as the foreign fee. Only the bonus points make up for it.
  • Walang local lounge na nakalista, from our data.

The catch: 404 ang official card page sa site ng bank, habang may mas lumang page sa metrobankcard.com na naglo-load pa rin nang walang stop-sell notice. Sa Metrobank card conversion terms namin nakita ang stop-sell. Nakalista pa rin sa rates-and-fees page ang ₱5,000 na annual fee. Manipis ang source namin dito, kaya mag-check ka sa bank bago mag-decide.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee (not on conversion page; seen on rates-and-fees page); foreign fee (seen on rates-and-fees page); points expiry (from our data); lounge access (from our data). 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 ₱15,500 in rewards (₱11,000) and travel value (₱4,500), before the ₱5,000 annual fee (on request; the bank decides)
To qualify:
₱700,000 a year income; Stop-sell: closed to new applicants; holders being converted (closed to new)
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value45 / 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 spend23 / 37

      About ₱11,000 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 ₱5,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend6 / 10

      About ₱4,500 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 flexibility9 / 10

    3 airline partners, and points that do not expire. 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 ₱11,000 a year in rewards and ₱4,500 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod69 SOct 2469 SOct 2671 SOct 2772 SNov 272 SNov 472 SNov 972 SNov 1072 SNov 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
Stop-sell: closed to new applicants; holders being converted

Rewards

1 point per ₱20 base, and 3 points per ₱20 on airline, hotel and foreign-currency spend. 2.5 points = 1 mile with no annual cap.

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%), though its bonus points still come out ahead 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 ↗