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Metrobank · Mastercard · World

World MC

Why pick it: 3 points per ₱20 online, hotels and abroad

Miles card: 3 points per ₱20 on foreign-currency, online and hotel spend; unlimited local lounges plus 2 international lounge passes yearly.

Score
88 /100
Rank
#2 of 123
Annual fee
₱6,000
Solid S

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

  • Local-currency online and hotel spend earns 1 point per ₱20 instead of 3. Foreign-currency spend keeps 3 points per ₱20.
  • PAL Mabuhay Miles: 15,000 points for 5,000 miles (now 10,000 points for 4,000 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.

On the new terms this card would score about 75 instead of 88, rank #3 instead of #2, tier S. The score above stays on the current terms until Dec 29, 2026.

Assumes airfare is billed in pesos (1 point per ₱20); flights billed in foreign currency keep 3 points.

Published by the bank on Oct 29, 2026; estimate from our data on Nov 3, 2026. Bank page ↗ · source 2 ↗

GET IT IF…Honest take

Isa sa pinakamalakas sa list namin para sa online, hotel at abroad spend, pero kailangan mo ng ₱1M income.

Bottom line: Pasok ka ba sa ₱1M, at madalas kang mag-online shopping, mag-hotel o bumiyahe abroad? Dito ka magsimula. Hindi pa? Mag-ipon muna ng record sa ibang card.

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

Kung dito ilalagay ng typical household (~₱825k a year) ang spend, ang balik ay ~₱13,500 at ~₱8,000 na travel value. Puwesto nito: #2 sa 123; 88 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

  • Bago ang Dec 29, 2026, 3 points per ₱20 ang online, hotel at foreign-currency spend, at 1 point per ₱20 ang iba.
  • 1.85% lang ang foreign fee, per the page.
  • Unlimited ang local lounge entry sa partner lounges, plus 2 free global passes a year via Mastercard Travel Pass.
  • Free for life ang annual fee ng dalawang supplementary cards.

What's bad

  • Hindi pang-first card ito. Kailangan ng ₱1M a year na income, 6 months as a regular employee, at card ng ibang bank na hawak mo nang 9+ months, ₱165k+ limit.
  • Dalawa lang ang international lounge passes, mabilis maubos kapag madalas kang lumipad.
  • Hindi nakalista sa page ang travel insurance.

The catch: Magbabago ang rewards sa Dec 29, 2026: 1 point per ₱20 na lang ang local-currency online at hotel spend, at foreign-currency spend lang ang may 3. May cap din ang points sa ₱250,000 spend per category per statement. Current terms ang gamit ng score namin hanggang doon; nasa box sa itaas ang change. Wala sa card page ang annual fee; galing sa rates-and-fees page ng Metrobank ang ₱6,000.

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); travel insurance; points redemption value. 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 ₱21,500 in rewards (₱13,500) and travel value (₱8,000), before the ₱6,000 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 10,000 points, with no yearly maximum.
Bank service:
About typical.

First year

Annual fee:
First-year annual fee (₱6,000) 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:
Another bank's card 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

#2 of 123 cards open to new applicants, and #2 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value61 / 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 spend28 / 37

      About ₱13,500 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 waivers8 / 16

      A ₱6,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend9 / 10

      About ₱8,000 of travel value on one trip abroad a year, after the 1.85% foreign fee. It includes lounge visits (each person in a household of three who gets in counts). 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 38 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

    World 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 ₱13,500 a year in rewards and ₱8,000 in travel value.

Score over time

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

methodmethodmethodmethod79 SOct 2479 SOct 2689 SOct 2788 SNov 288 SNov 488 SNov 988 SNov 1088 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
₱6,000
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
1.85%
Minimum income
₱1,000,000 a year
Also needs
Needs another bank's credit card held 9+ months, ₱165k+ limit

Rewards

3 points per ₱20 on foreign-currency, e-commerce and hotel-stay spend, 1 point per ₱20 on everything else. 2.5 points = 1 mile with no annual cap. Cash rebate option: ₱2,000 per 20,000 points, up to 60,000 points a year.

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles, Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles

Travel perks

International lounge visits
2 a year
Local lounge
unlimited
Travel insurance
None

Strengths

  • Low FX fee (1.85%)
  • 2 free international lounge visits a year
  • Unlimited local lounge access
  • Points don't expire; 3 airline partners

Live and upcoming promos (38)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 33 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 ↗