UsapangCredit

Metrobank Platinum Mastercard

The Metrobank Platinum Mastercard is a lifestyle-focused card that prioritizes dining perks and added protection for online spending. It stands out with generous dining discounts, making it a great choice for frequent diners who want to save on meals. Cardholders also benefit from e-commerce protection insurance for safer online transactions. With additional value from free supplementary cards, it’s a solid premium option for those who enjoy dining and shopping with peace of mind.

Key perks

  • Up to 50% off dining deals
  • Free e-commerce purchase protection insurance
  • Free for life supplementary cards (first two cards)

At a Glance

Card Tier:

Premium

Rewards Type:

n/a

Best For:

Dining

Min Annual Income:

700,000

Annual Fee:

5,000

Annual Fee Policy:

Free First Year

Features & Benefits

Enjoy up to 50% off dining deals at partner restaurants.

Get free e-commerce purchase protection insurance for online transactions.

First two supplementary cards are free for life.

More Reasons To Love This Card

Installment & Payment Features

Credit to Cash:

Cash2Go

Purchase Installment:

n/a

Balance Conversion:

Balance Conversion

Balance Transfer:

Balance Transfer

Special Installment:

0% Installment, Shop Now Pay Later

Send Money:

PayNow

Bills Payment:

n/a

Not sure what these mean? Here’s a quick guide to help you understand each feature.
  • Credit to Cash — Convert part of your credit limit into cash and repay it in fixed monthly installments over a set period.
  • Purchase Installment — Convert an existing or recent straight purchase into installments so you can pay it off monthly instead of in one full payment.
  • Balance Conversion — Convert your current credit card balance into installments to make repayment more manageable with fixed monthly amounts.
  • Balance Transfer — Move your balance from another credit card to this card, usually with lower interest or on installment terms.
  • Special Installment — Pre-arranged installment offers for specific purchases (e.g., partner merchants or promos), often with 0% interest for a set term.
  • Send Money — Transfer funds directly from your credit card to a bank account or e-wallet, typically with a fee.
  • Bills Payment — Pay your bills using your credit card—either manually (on demand) or automatically (auto charge).

Travel Features

Click an item to view other credit cards with the same feature or benefit.

n/a

General Features

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Fees & Charges

Annual Fee:

5,000

Annual Fee note:

Free First Year

Annual Fee Supplementary:

2,500

Annual Fee Supplementary note:

First 2 supplementary cards free for life

Retail Monthly Interest Rate:

3%

Cash Advance Monthly Interest Rate:

3%

Cash Advance Fee:

₱200

Processing Fee – Credit to Cash:

₱350

Processing Fee – Purchase Installment:

n/a

Processing Fee – Balance Conversion:

₱500

Processing Fee – Balance Transfer:

₱350

Send Money Fee:

₱25

Note: The installment processing and Send Money fees shown above reflect the minimum applicable amount. Actual fees may vary depending on the transaction amount, currency involved, or how the request is initiated (e.g., through electronic channels or via customer service).

Eligibility & Requirements

Eligibility

  • Must be 18 to 70 years old
  • Minimum annual income of PHP 700,000
  • At least 6 months employed as a regular employee
  • Must be a principal cardholder with another bank for at least 9 months with a credit limit of at least PHP 150,000

Requirements

  • Valid PhilID, TIN, SSS, GSIS, or UMID Number
  • Active business or residence landline number
  • Active mobile number
  • PhilID or any valid photo-bearing government issued ID with date of birth and signature