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A credit card can be a powerful financial tool, offering convenience, rewards, and flexibility for your purchases. Metrobank, one of the Philippines' largest and most reputable banks, offers a diverse range of credit cards catering to various lifestyles and spending habits.



If you're considering getting a Metrobank credit card, this guide will walk you through the application process, common requirements, and the features of some popular cards, along with tips for increasing your approval chances.


General Eligibility Criteria for a Metrobank Credit Card

While specific cards may have varying income requirements, here are the general qualifications Metrobank looks for:

Age: Principal cardholder must be 18 to 70 years old. Supplementary cardholders typically 14 to 80 years old.

Income: Minimum gross annual income varies by card, typically starting from PHP 180,000 for basic cards to PHP 700,000 or more for premium cards.

Employment/Business Status:

  • Employed: At least 6 months with current employer (regular employee).

  • Self-Employed: Must have a stable business operation.

Credit History:
  • For first-time credit card applicants (with no existing credit cards from other banks): You may need to have a Metrobank deposit account with a good standing.

  • For applicants with existing credit cards: Must be a principal cardholder with another bank for at least 9-12 months with a credit limit of at least PHP 25,000 (this can vary). A good credit standing (no missed payments, not delinquent) is crucial.

Contact Information: Must have an active residence or business landline number and an active mobile number.


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Required Documents

To streamline your application, prepare the following documents:

1. Proof of Identification (Photocopy of one valid, photo-bearing government-issued ID):


2. Proof of Income:

  • For Employed Applicants:

    • Latest Income Tax Return (ITR) duly stamped by the BIR or BIR Form 2316 signed by employer.

    • Copy of your last 3 months' payslips.

    • Certificate of Employment (COE) stating position, length of service, and gross annual income.

  • For Self-Employed Applicants:

    • Latest Income Tax Return (ITR) duly stamped by the BIR or Audited Financial Statements (AFS) with BIR or bank stamp.

    • DTI Registration (for sole proprietorship) or SEC Registration (for partnership/corporation).

  • For Depositors (with existing Metrobank deposit account):

    • Statement of Account or Certificate of Deposit showing consistent balance.

  • For Applicants with Existing Credit Cards from other Banks:

    • Latest credit card statement of account from your other bank/s.



How to Apply for a Metrobank Credit Card

Metrobank offers several convenient ways to apply:


1. Online Application (Recommended for speed and convenience):

  • Visit the official Metrobank website: metrobank.com.ph/cards/credit-cards

  • Select the credit card you are interested in.

  • Click "Apply Now" and fill out the online application form.

  • Enter BSJ773 on Referral Code box.

  • Upload scanned copies of your required documents.

  • You will receive an application reference number for tracking.


2. Branch Application:

  • Visit any Metrobank branch nationwide.

  • Inform a customer service representative that you wish to apply for a credit card.

  • They will provide you with the application form and assist you with the process.

  • Bring original copies of your documents for verification, and submit photocopies.

3. Via Sales Agents/Kiosks:

  • Metrobank sometimes has credit card sales agents in malls or during special events.

  • You can apply directly through them, providing your documents.



Tips for Getting Approved


Meet Minimum Income Requirements: This is a fundamental prerequisite. Choose a card that aligns with your current income level.

Complete and Accurate Information: Ensure all details on your application form are correct and match your supporting documents. Incomplete or inconsistent information can lead to delays or rejection.

Stable Employment/Business: Lenders prefer applicants with a stable source of income.

Good Credit History:

  • If you have an existing credit card, always pay on time and keep your utilization low (preferably below 30% of your credit limit).

  • If you're a first-timer, having a savings account or other banking relationship with Metrobank (especially for a considerable period) can positively impact your application.

Active Contact Numbers: Ensure the landline and mobile numbers you provide are active, as the bank will use them for verification calls.

Be Patient: Credit card application processing can take time, usually 7-15 banking days, sometimes longer if additional verification is needed. Follow up only after the stated processing time has passed.

Consider a Secured Credit Card: If you have difficulty getting approved for a regular credit card (e.g., no credit history), you might consider a secured credit card. With this, you deposit a certain amount in a savings account, which serves as your credit limit. This helps build your credit history for future, unsecured credit card applications.



Personal Experience: A Smooth Approval for the Metrobank Platinum Mastercard

One recent applicant shared their positive experience, noting how quickly they were approved for the Metrobank Platinum Mastercard. This highlights that with the right qualifications and complete documentation, Metrobank's approval process can indeed be efficient. Such swift approvals underscore Metrobank's commitment to providing accessible financial services to qualified individuals.



Popular Metrobank Credit Cards, Features, and Perks

Metrobank offers a variety of credit cards, each designed for different spending habits and lifestyles. Here are some prominent ones:


1. Metrobank M Free Mastercard


Ideal for: First-time cardholders or those who want a no-frills card with no annual fee.

Features/Perks:

  • No Annual Fee for Life (Principal and two supplementary cards): This is its primary and most attractive feature.

  • 0% installment programs at participating merchants.

  • Access to Bills2Pay (for paying bills) and Cash2Go (converting credit limit to cash) services.

Minimum Annual Income: PHP 867,000 (though some sources mention PHP 180,000, verify the latest on Metrobank's site). Often requires a principal card with another bank for 9+ months with at least PHP 25k limit for those without existing cards.


2. Metrobank Cashback Visa


Ideal for: Everyday spenders looking to save on essential purchases.

Features/Perks:

  • Up to 5% Rebate: On groceries, telecom, school & bookstore spend.

  • 0.2% rebate on all other purchases.

  • Potential savings of up to PHP 12,000 per year.

Minimum Annual Income: PHP 180,000.


3. Metrobank Rewards Plus Visa / Titanium Mastercard


Ideal for: Earners of rewards points on various spending categories.

Features/Perks (varies slightly by card but generally):

  • Double Rewards Points: On specific categories like gadgets, internet & mobile services, and online spend (Rewards Plus Visa) OR dining, department store, and online expenses (Titanium Mastercard).

  • Earn 1 never-expiring point for every PHP 20 spend on all other categories.

  • 0% installment programs.

  • First-year annual fee waiver, with a spend requirement for subsequent waivers (e.g., PHP 250,000 for Titanium).

Minimum Annual Income: PHP 180,000 - PHP 350,000.


4. Metrobank Platinum Mastercard


Ideal for: Those seeking premium dining perks and higher spending limits.

Features/Perks:

  • Up to 50% off on premium dining offers.

  • Earn 1 reward point for every PHP 20 spend.

  • eCommerce purchase protection (up to $200).

  • First supplementary card is perpetually waived.

  • First-year annual fee waiver, with spend requirement for subsequent waivers (e.g., PHP 400,000).

Minimum Annual Income: PHP 700,000.


5. Metrobank Travel Platinum Visa


Ideal for: Frequent travelers looking to earn miles quickly.

Features/Perks:

  • 1 mile per PHP 17 spend on airlines, hotels, and foreign currency transactions.

  • 1 mile per PHP 50 spend on other categories.

  • FREE first supplementary credit card.

  • Complimentary lounge passes (often tied to specific spending promos, e.g., PHP 30,000 airline spend for a LoungeKey pass).

  • Travel insurance coverage.

Minimum Annual Income: PHP 700,000.


6. Metrobank World Mastercard


Ideal for: High-spenders, frequent international travelers, and those seeking luxury perks.

Features/Perks:

  • Competitive rewards multiplier for overseas spend (e.g., 2x or 3x points on international purchases).

  • Up to 50% off on luxury dining deals.

  • Complimentary global lounge access (often via DragonPass, with a certain number of passes per year).

  • Travel insurance and emergency assistance.

  • Exclusive Mastercard benefits.

Minimum Annual Income: PHP 1,500,000.


Applying for a Metrobank credit card can be a straightforward process if you meet the requirements and prepare your documents, as demonstrated by fast approvals for qualified applicants. Choose the card that best suits your financial goals and spending habits to maximize its benefits. Remember to always use your credit card responsibly and pay your bills on time to maintain a healthy credit standing.


How to Apply and Get Approved for a Metrobank Credit Card (Requirements and Tips)


A credit card can be a powerful financial tool, offering convenience, rewards, and flexibility for your purchases. Metrobank, one of the Philippines' largest and most reputable banks, offers a diverse range of credit cards catering to various lifestyles and spending habits.



If you're considering getting a Metrobank credit card, this guide will walk you through the application process, common requirements, and the features of some popular cards, along with tips for increasing your approval chances.


General Eligibility Criteria for a Metrobank Credit Card

While specific cards may have varying income requirements, here are the general qualifications Metrobank looks for:

Age: Principal cardholder must be 18 to 70 years old. Supplementary cardholders typically 14 to 80 years old.

Income: Minimum gross annual income varies by card, typically starting from PHP 180,000 for basic cards to PHP 700,000 or more for premium cards.

Employment/Business Status:

  • Employed: At least 6 months with current employer (regular employee).

  • Self-Employed: Must have a stable business operation.

Credit History:
  • For first-time credit card applicants (with no existing credit cards from other banks): You may need to have a Metrobank deposit account with a good standing.

  • For applicants with existing credit cards: Must be a principal cardholder with another bank for at least 9-12 months with a credit limit of at least PHP 25,000 (this can vary). A good credit standing (no missed payments, not delinquent) is crucial.

Contact Information: Must have an active residence or business landline number and an active mobile number.


Loading...

Required Documents

To streamline your application, prepare the following documents:

1. Proof of Identification (Photocopy of one valid, photo-bearing government-issued ID):


2. Proof of Income:

  • For Employed Applicants:

    • Latest Income Tax Return (ITR) duly stamped by the BIR or BIR Form 2316 signed by employer.

    • Copy of your last 3 months' payslips.

    • Certificate of Employment (COE) stating position, length of service, and gross annual income.

  • For Self-Employed Applicants:

    • Latest Income Tax Return (ITR) duly stamped by the BIR or Audited Financial Statements (AFS) with BIR or bank stamp.

    • DTI Registration (for sole proprietorship) or SEC Registration (for partnership/corporation).

  • For Depositors (with existing Metrobank deposit account):

    • Statement of Account or Certificate of Deposit showing consistent balance.

  • For Applicants with Existing Credit Cards from other Banks:

    • Latest credit card statement of account from your other bank/s.



How to Apply for a Metrobank Credit Card

Metrobank offers several convenient ways to apply:


1. Online Application (Recommended for speed and convenience):

  • Visit the official Metrobank website: metrobank.com.ph/cards/credit-cards

  • Select the credit card you are interested in.

  • Click "Apply Now" and fill out the online application form.

  • Enter BSJ773 on Referral Code box.

  • Upload scanned copies of your required documents.

  • You will receive an application reference number for tracking.


2. Branch Application:

  • Visit any Metrobank branch nationwide.

  • Inform a customer service representative that you wish to apply for a credit card.

  • They will provide you with the application form and assist you with the process.

  • Bring original copies of your documents for verification, and submit photocopies.

3. Via Sales Agents/Kiosks:

  • Metrobank sometimes has credit card sales agents in malls or during special events.

  • You can apply directly through them, providing your documents.



Tips for Getting Approved


Meet Minimum Income Requirements: This is a fundamental prerequisite. Choose a card that aligns with your current income level.

Complete and Accurate Information: Ensure all details on your application form are correct and match your supporting documents. Incomplete or inconsistent information can lead to delays or rejection.

Stable Employment/Business: Lenders prefer applicants with a stable source of income.

Good Credit History:

  • If you have an existing credit card, always pay on time and keep your utilization low (preferably below 30% of your credit limit).

  • If you're a first-timer, having a savings account or other banking relationship with Metrobank (especially for a considerable period) can positively impact your application.

Active Contact Numbers: Ensure the landline and mobile numbers you provide are active, as the bank will use them for verification calls.

Be Patient: Credit card application processing can take time, usually 7-15 banking days, sometimes longer if additional verification is needed. Follow up only after the stated processing time has passed.

Consider a Secured Credit Card: If you have difficulty getting approved for a regular credit card (e.g., no credit history), you might consider a secured credit card. With this, you deposit a certain amount in a savings account, which serves as your credit limit. This helps build your credit history for future, unsecured credit card applications.



Personal Experience: A Smooth Approval for the Metrobank Platinum Mastercard

One recent applicant shared their positive experience, noting how quickly they were approved for the Metrobank Platinum Mastercard. This highlights that with the right qualifications and complete documentation, Metrobank's approval process can indeed be efficient. Such swift approvals underscore Metrobank's commitment to providing accessible financial services to qualified individuals.



Popular Metrobank Credit Cards, Features, and Perks

Metrobank offers a variety of credit cards, each designed for different spending habits and lifestyles. Here are some prominent ones:


1. Metrobank M Free Mastercard


Ideal for: First-time cardholders or those who want a no-frills card with no annual fee.

Features/Perks:

  • No Annual Fee for Life (Principal and two supplementary cards): This is its primary and most attractive feature.

  • 0% installment programs at participating merchants.

  • Access to Bills2Pay (for paying bills) and Cash2Go (converting credit limit to cash) services.

Minimum Annual Income: PHP 867,000 (though some sources mention PHP 180,000, verify the latest on Metrobank's site). Often requires a principal card with another bank for 9+ months with at least PHP 25k limit for those without existing cards.


2. Metrobank Cashback Visa


Ideal for: Everyday spenders looking to save on essential purchases.

Features/Perks:

  • Up to 5% Rebate: On groceries, telecom, school & bookstore spend.

  • 0.2% rebate on all other purchases.

  • Potential savings of up to PHP 12,000 per year.

Minimum Annual Income: PHP 180,000.


3. Metrobank Rewards Plus Visa / Titanium Mastercard


Ideal for: Earners of rewards points on various spending categories.

Features/Perks (varies slightly by card but generally):

  • Double Rewards Points: On specific categories like gadgets, internet & mobile services, and online spend (Rewards Plus Visa) OR dining, department store, and online expenses (Titanium Mastercard).

  • Earn 1 never-expiring point for every PHP 20 spend on all other categories.

  • 0% installment programs.

  • First-year annual fee waiver, with a spend requirement for subsequent waivers (e.g., PHP 250,000 for Titanium).

Minimum Annual Income: PHP 180,000 - PHP 350,000.


4. Metrobank Platinum Mastercard


Ideal for: Those seeking premium dining perks and higher spending limits.

Features/Perks:

  • Up to 50% off on premium dining offers.

  • Earn 1 reward point for every PHP 20 spend.

  • eCommerce purchase protection (up to $200).

  • First supplementary card is perpetually waived.

  • First-year annual fee waiver, with spend requirement for subsequent waivers (e.g., PHP 400,000).

Minimum Annual Income: PHP 700,000.


5. Metrobank Travel Platinum Visa


Ideal for: Frequent travelers looking to earn miles quickly.

Features/Perks:

  • 1 mile per PHP 17 spend on airlines, hotels, and foreign currency transactions.

  • 1 mile per PHP 50 spend on other categories.

  • FREE first supplementary credit card.

  • Complimentary lounge passes (often tied to specific spending promos, e.g., PHP 30,000 airline spend for a LoungeKey pass).

  • Travel insurance coverage.

Minimum Annual Income: PHP 700,000.


6. Metrobank World Mastercard


Ideal for: High-spenders, frequent international travelers, and those seeking luxury perks.

Features/Perks:

  • Competitive rewards multiplier for overseas spend (e.g., 2x or 3x points on international purchases).

  • Up to 50% off on luxury dining deals.

  • Complimentary global lounge access (often via DragonPass, with a certain number of passes per year).

  • Travel insurance and emergency assistance.

  • Exclusive Mastercard benefits.

Minimum Annual Income: PHP 1,500,000.


Applying for a Metrobank credit card can be a straightforward process if you meet the requirements and prepare your documents, as demonstrated by fast approvals for qualified applicants. Choose the card that best suits your financial goals and spending habits to maximize its benefits. Remember to always use your credit card responsibly and pay your bills on time to maintain a healthy credit standing.


Credit Card Metrobank Money

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