How to Apply for a Metrobank Credit Card Online: Requirements and More

Are you looking for your next credit card? Whether you're a newbie or an existing cardholder, Metrobank's diverse roster of credit cards—plus their welcome gifts, rewards, and other perks—will surely excite you.

If you want one of these cards, learn how to apply for a Metrobank credit card online in this guide.

What are the Benefits of a Metrobank Credit Card?

Here are just some of the best Metrobank credit card perks you can enjoy once you apply and get approved:

✔️ Waived Annual Fees on the 1st Year

No need to pay the annual fee on your first year of owning a Metrobank card. You can use the money to pay your credit card dues instead. 

✔️ Hassle-Free Online Application Process

You don’t need to go out and head to the bank. Complete the Metrobank credit card application form online, upload your documents, and wait for your application to be processed and approved. 

✔️ Plenty of Options for Every Lifestyle 

Whatever your lifestyle, you can enjoy Metrobank credit card perks all year round. Depending on your preferences, you can choose a card that earns rewards, miles, or cash back.  

Different cards also offer various premium dining, shopping, or travel perks. For instance, travelers can enjoy airport lounge access with certain Metrobank credit cards.

✔️ Accelerated Rewards Program

Earn rewards points for as low as ₱20 spend. You can even earn double the points on specific categories such as dining, shopping, online, or overseas spending.

Accumulate enough points to redeem gift certificates, rebates, fee waivers, and air miles, just to name a few. 

Related reading: 

• Get More Rewards: How to Earn Credit Card Points Quickly
• Time to Reap the Rewards: How to Use Your Credit Card Points

✔️ Lots of Special Privileges 

Avail of great welcome offers and unlock special discounts and promos with your Metrobank credit card. Enjoy 0% installment or convert your straight purchases into affordable monthly installments. You can even convert your unused credit limit to cash. 

Read more: How Does a Credit Card Installment Plan Work in the Philippines?

How to Apply for a Metrobank Credit Card Online

Here’s everything you need to know about how to get a credit card from Metrobank: 

Step 1: Check Your Metrobank Credit Card Eligibility

Before starting your Metrobank credit card application, check if you're eligible for one. You should meet the following criteria:

• At least 18 to 70 years old
• Must be employed for at least six months as a regular employee or at least two years in the current business if self-employed
• Must have a minimum income of ₱180,000 to ₱1.5 million, depending on the card
• Must have a valid SSS/GSIS and TIN
• Must have a business or residence landline number
• Must have a mobile number

Step 2: Prepare the Metrobank Credit Card Requirements

Next, compile all the requirements for your Metrobank credit card application.

First, you need proof of identification, such as a valid ID bearing your date of birth and signature:

• Driver's license
• UMID 
• Passport
• PRC ID
• TIN ID
• Philippine Identification ID (PhilID)

There are different sets of Metrobank credit card application requirements for depositors and existing and new credit cardholders:

👉 For Metrobank depositors: 

• Must have a Total Relationship Balance (TRB) of ₱50,000 or an account for 12 months with a minimum TRB of ₱25,000
• For foreigners: 
  • Visa/Copy of Alien Certificate of Registration (ACR)/Immigration Certificate of Residence (ICR)
  • Proof of income or employment

👉 For applicants with existing credit cards from other banks: 

• The credit card must be at least nine months old with a credit limit of at least ₱25,000
• For foreigners:
  • Visa/Copy of Alien Certificate of Registration (ACR)/Immigration Certificate of Residence (ICR)
  • Proof of income or employment

👉 For non-depositors with no existing credit cards

• For employed: 
  • Latest Income Tax Return (ITR) or copy of BIR Form 2316 duly signed by the employer
  • Three months' payslips from the date of credit card application
  • Original Certificate of Employment (only for 1,000 top corporations)
• For self-employed:
  • Copy of latest Audited Financial Statement (AFS) with bank or BIR stamp
  • Copy of latest Income Tax Return (ITR)

Step 3: Pick the Right Credit Card for You

Now comes the fun part of the Metrobank credit card application process! To find the right credit card, take a quick look at some of your top options:

Metrobank Titanium Mastercard^®

🎁 Welcome gift: Apply until August 31, 2024, and enjoy no annual fees when you meet the minimum annual spend of ₱180,000

📌 Features and benefits:

• 1 rewards point for every ₱20 spend
• 2x rewards points on dining, department store, and online purchases

💸 Fees and charges:

• Minimum monthly income requirement: ₱15,000 (for applicants with existing credit cards)
• Annual fee: ₱2,500 (waived on the first year)

If you’re looking for other Metrobank credit cards for beginners, check the bank's official website.^[1]

Metrobank Platinum Mastercard^®

🎁 Welcome gift: Apply until August 31, 2024, and enjoy no annual fees when you meet the minimum annual spend of ₱400,000 

📌 Features and benefits:

• 1 rewards point for every ₱20 spend
• Up to 50% off on dining deals at participating merchants
• Up to US$200 eCommerce Purchase Protection
• No annual fees for the first supplementary card

💸 Fees and charges:

• Minimum monthly income requirement: ₱58,333
• Annual fee: ₱5,000 (waived on the first year)

Metrobank World Mastercard^®

📌 Features and benefits:

• 1 rewards point for every ₱20 spend
• 3x rewards points on every ₱20 international spend
• 1 mile = ₱17 foreign currency spend
• Free airport lounge access
• Up to 50% off on dining deals
• Free annual fee forever for the first two supplementary cards 

💸 Fees and charges:

• Minimum monthly income requirement: ₱125,000
• Annual fee: ₱6,000 (waived on the first year)

💳 Metrobank Credit Card Comparison: How to Pick the Best Card for You

To find the one suited to your needs and lifestyle, compare Metrobank credit cards below:

Credit Card	Annual Fee	Minimum Annual Income Requirement	Key Features
Metrobank Titanium Mastercard®	₱2,500	₱180,000	1 rewards point for every ₱20 spend 2x points on dining, department store, and online purchases
Metrobank Platinum Mastercard®	₱5,000	₱700,000	1 rewards point for every ₱20 spend  Up to 50% off on exclusive dining deals eCommerce Purchase Protection
Metrobank World Mastercard®	₱6,000	₱1.5 million	1 rewards point for every ₱20 spend  3x rewards points on every ₱20 international spend 1 mile = ₱17 foreign currency spend Up to 50% off on dining deals Complimentary airport lounge access

The Metrobank Titanium Mastercard^® is best suited for cardholders who want to earn rewards points for everyday purchases. Every ₱20 you spend earns you 1 rewards point. You can also double your rewards points on online, dining, or department store spend.   

Meanwhile, with its free e-commerce protection insurance of up to US$200 for online purchases, the Metrobank Platinum Mastercard^® is ideal for individuals who love shopping online. Plus, if you want to share your credit card benefits with your loved ones, the first supplementary card is free.

The Metrobank World Mastercard^®, on the other hand, is perfect for anyone who wants luxurious travel perks and premium dining privileges. Aside from earning rewards for local and international spending, you also enjoy 50% off on exclusive dining deals and access to global airport lounges via Dragon Pass.

Read more: Why Get Another Card: Is Having Multiple Credit Cards Good or Bad?

Step 4: Proceed with Your Metrobank Credit Card Online Application

Picked out your card and ready to apply? Just click Apply Now on your preferred card above to apply via Moneymax! 

Alternatively, you can also head to the Metrobank application portal.^[2]

1. Select the Metrobank credit card you want to apply for. 
2. Click the corresponding box to answer if you are an existing Metrobank client. 
3. Fill out the online form with your information.
4. Choose a valid ID and enter the ID number. 
5. Tick the box for the application declaration, terms and conditions, and data privacy policy. 
6. Provide your employment details and additional information on the Metrobank credit card application form.  
7. Upload digital copies of your documents.
8. You'll then be presented with your Online Reference Number (ORN). Take note of it because you'll use it later to track your Metrobank credit card application.

How to Apply for a Metrobank Credit Card Online: FAQs

1. How long does Metrobank credit card processing and approval take?

Once your application is received, it will be evaluated and processed within two to three weeks. 

2. How to check your Metrobank credit card application status online?

Message Mia of Metrobank on Facebook Messenger. From there, follow the on-screen instructions. Remember to provide your ORN.

You can also check your Metrobank credit card status the old-fashioned way by calling the hotline at 88-700-700 or 1-800-1-888-5775. You can also email customerservice@metrobankcard.com if you have other concerns.

3. How to continue your Metrobank credit card application?

Got an application you didn’t get to finish because of an error or a change of plans? Pick up where you left off by visiting www.metrobank.com.ph/credit-cards and clicking Resume Application. Enter your ORN to resume your card application with Metrobank.  

4. How to activate a new Metrobank credit card? 

Activate your Metrobank credit card in three ways: 

• Text ACT<space><16-digit card number> and send it to 225622
• Visit mbcpc.co/ActivateNow
• Call (+632) 8860-3030

You will then receive a text message informing you of your successful card activation. 

5. How to apply for a supplementary credit card in Metrobank? 

To get a supplementary card for your loved ones, download and fill out the Supplementary Card Application form.^[3] Submit the accomplished and signed form with a copy of the supplementary card applicant’s valid government-issued ID to credit_supplementary@metrobankcard.com.

Final Thoughts

Now that you know how to apply for a credit card from Metrobank online, don’t you find the whole process easy? Before you start your credit card journey, make sure to choose the right Metrobank credit card for your needs and lifestyle. And always remember: Swipe responsibly!

Sources:

• ^[1] Metrobank Credit Cards
• ^[2] Credit Card Application Portal for Metrobank
• ^[3] Metrobank Supplementary Card Application form