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Metrobank · Visa · Signature

Travel Signature Visa

Why pick it: 1 mile per ₱30 on all spend plus local lounges

Miles card: 1 mile per ₱30 on all spend, unlimited local lounges, up to ₱25M family travel insurance.

Score
90 /100
Rank
#1 of 123
Annual fee
₱5,500
Solid S

Metrobank changes this card's rewards on Dec 29, 2026

  • PAL Mabuhay Miles: 15,000 points for 5,000 miles (now 12,000 points for 8,000 miles). KrisFlyer and Asia Miles stay the same.
  • Points stop at ₱250,000 spend per category per statement, only personal purchases earn, and rewards are viewed and redeemed only in the Metrobank app.

No change to our score: it values this card's miles through KrisFlyer and Asia Miles, which stay the same.

Published by the bank on Oct 29, 2026. Bank page ↗

GET ITHonest take

#1 sa 123 open cards namin, pero mahirap makuha.

Bottom line: Pasok ka ba sa requirements at madalas kang bumiyahe? Start here. Hindi pa? Build a record sa ibang card for a year, tapos balik ka.

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

Sa typical household (~₱825k a year), ~₱18,000 ang bumabalik, plus ~₱4,500 na travel value. Annual fee: ₱5,500. Pwede kang mag-request ng waiver (from our data), bahala ang bank. 90 ang score nito, kaya #1 sa 123 open 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

  • Flat 1 mile per ₱30 sa lahat ng gastos, hanggang ₱250,000 kada category kada statement cycle.
  • Unlimited ang local lounge (PAGSS at Plaza Premium). Sakop nito ang airport trips mo kahit hindi ka madalas lumipad.
  • Mababa ang foreign fee abroad: 1.68%.
  • Up to ₱25M sa travel insurance. Walang expiry ang points, from our data.

What's bad

  • Hindi ito first card. Kailangan mo ng ₱1M a year na income at card ng ibang bank na hawak mo nang 9+ months, may ₱165k+ na limit.
  • Local lounge lang ang nakalistang unlimited sa page, at walang nakalistang international lounge visits sa page.
  • Flat ang earn. Kung gas o groceries ang malaki mong gastos, mas malaki ang kita sa ibang cards.

The catch: Naka-base ang return sa pag-convert ng points sa miles; mas maliit ang cash rebate option, from our data. From Dec 29, 2026, 15,000 points na ang kailangan para sa 5,000 PAL Mabuhay Miles, pero pareho pa rin ang ibang air mile partners. Wala sa page ng Metrobank ang annual fee, kaya mula sa data ang ₱5,500. Mag-verify ka sa bank bago ka mag-apply.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee; cash rebate rate (0.5% is from our earn rules). 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 ₱22,500 in rewards (₱18,000) and travel value (₱4,500), before the ₱5,500 annual fee (on request; the bank decides)
To qualify:
₱1,000,000 a year income; Needs another bank's credit card held 9+ months, ₱165k+ limit
Redeeming rewards:
Points convert to airline miles from a minimum of 12,000 points, in blocks of 12,000, with no yearly maximum.
Bank service:
About typical.

First year

Annual fee:
First-year annual fee (₱5,500) 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.

Who can apply

Age:
18 to 70.
Employment:
At least 6 months employed as a regular employee.
Existing card:
A principal card from another bank, held 9+ months, with a limit of ₱165,000 or more.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; 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

#1 of 123 cards open to new applicants, and #1 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value63 / 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 spend37 / 37

      About ₱18,000 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 ₱5,500 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 1.68% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and travel insurance, though insurance counts only a little toward this figure and the score. 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 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 path4 / 5

    Signature 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 ₱18,000 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.

methodmethodmethodmethod86 SOct 2486 SOct 2689 SOct 2790 SNov 290 SNov 490 SNov 990 SNov 1090 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
₱5,500
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
1.68%
Minimum income
₱1,000,000 a year
Also needs
Needs another bank's credit card held 9+ months, ₱165k+ limit

Rewards

1 Metrobank Rewards point per ₱20 on eligible purchases, and 1.5 points = 1 mile, so 1 mile per ₱30. No bonus categories and no annual miles cap. Cash rebate option: ₱2,000 per 20,000 points.

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
unlimited
Travel insurance
Up to ₱25,000,000, covers family

Strengths

  • Low FX fee (1.68%)
  • Unlimited local lounge access
  • Travel insurance up to ₱25M covering family
  • Points don't expire; 3 airline partners

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 ↗