UsapangCredit

Metrobank Titanium Mastercard

The Metrobank Titanium Mastercard is a lifestyle-focused rewards card designed for shoppers and diners. It offers accelerated points on online purchases, department store spending, and dining, making it ideal for everyday lifestyle expenses. You also earn points on all other transactions, with the benefit of non-expiring rewards. With its simple earning structure and bonus categories, it’s a solid option for those who want to maximize points on regular spending.

Key perks

  • 2x points on online, shopping, and dining spend
  • Free for life supplementary card (first card)

At a Glance

Card Tier:

Entry

Rewards Type:

Points

Best For:

Dining, Online Shopping, Shopping

Min Annual Income:

180,000

Annual Fee:

2,500

Annual Fee Policy:

Free First Year

Features & Benefits

Get 2x rewards points on online, department store, and dining transactions.

Earn 1 point for every ₱20 spend, with points that never expire.

First supplementary card is 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

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

Fees & Charges

Annual Fee:

2,500

Annual Fee note:

Free First Year

Annual Fee Supplementary:

1,500

Annual Fee Supplementary note:

First supplementary card 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 180,000
  • At least 6 months employed as a regular employee or a principal cardholder with another bank

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