Titanium MC
Titanium
Zed · Mastercard · Titanium
Titanium MC
Why pick it: No annual fee, no foreign fee, virtual cards
Invite-only Titanium Mastercard from a non-bank issuer: no annual fee, no FX markup, single-use virtual cards; no rewards program.
- Score
- 16 /100
- Status
- By invitation
- Annual fee
- Free for life
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Waitlist lang ang Titanium Mastercard na ito, per the page, at walang rewards na nakalista.
Bottom line: Mag-request ka ng invite kung gusto mo, pero huwag mo itong gawing main card habang wala pang rewards na nakalista.
Read the full take: the math, what's good, what hurts
Walang kikitain dito: ₱0 ang balik ng typical household (~₱825k a year) at ₱0 naman sa travel value, kasi walang rewards program na nakalista sa page, at ganoon din ang sabi ng data. Puwesto: #151 sa 170 cards; score 16.
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
- Walang annual fee at walang foreign transaction fee, per the page.
- Unlimited virtual cards for online payments.
- Credit limit is based on your current and future income.
What's bad
- 'Request invite' ang button ng page, kaya invite o waitlist ka lang.
- Walang cash advance at balance transfer, galing sa data namin, at hindi sinasabi ng page ang rules.
The catch: Hindi sinasabi ng page ang income requirement at kung kailan magbubukas ang invites. Mukhang hindi pa na-update ang page mula Feb 2026 (page metadata).
Rechecked on the bank page on 2026-10-24. Not on the page: rewards; income requirement; when invites open; cash advance and balance transfer 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 ₱0 in rewards, before the card's fees (no annual fee)
- To qualify:
- By invitation; Invitation or waitlist only (by invitation)
- Bank service:
- About typical.
Score breakdown, fees, rewards and perks
Score breakdown
- 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 spend1 / 37
No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers16 / 16
No annual fee. How the bars work
- Travel and perks on the default spend2 / 10
No travel value on one trip abroad a year, after the 0.00% foreign fee. How the bars work
- Promos and 0% installments1 / 15
0% installment network: weak. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 4 live promos tracked. How it is scored
- Points flexibility0 / 10
No rewards, so nothing to redeem. How it is scored
- Credit limit and upgrade path4 / 5
Titanium card level, plus how Zed handles credit limit increases and card upgrades. How it is scored
- App and service4 / 5
Banking app: strong. 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 ₱0 a year in rewards and ₱0 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- 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
- Free for life
- Supplementary fee
- ₱0
- Fee waiver
- No annual fee
- Foreign transaction fee
- 0.00%
- Minimum income
- By invitation
- Also needs
- Invitation or waitlist only
Rewards
No rewards program. By invite or waitlist. No cash advances or balance transfers; the limit is set from your income data.
- Type
- Cashback
- Points expiry
- none
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- No annual fee for life
- Low FX fee (0.00%)
Live and upcoming promos (4)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
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.