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Age 21–65 · From ₱58,334/mo income · Unsecured
Travel & Miles·Metrobank
Fee ₱5,000 verified. Earn modeled as ~0.75–1.5% cash-equivalent stub — not precise miles math.
Age 21–65 · From ₱58,334/mo income · Unsecured
Key Benefits
All 9 benefits →Travel spend
~1.5% cash-equivalent (modeled)
Earns Rewards Points — stub value until official earn table is coded
Overseas spend
~1.5% cash-equivalent (modeled)
Other spends
~0.75% cash-equivalent (modeled)
Travel spend
~1.5%
cash-equivalent (modeled) — Earns Rewards Points — stub value until official earn table is coded
High annual fee — may not pay off at moderate spend
At ₱35,000/mo, net value is -₱1,895/yr after fees. It turns positive around ₱56,361/mo — and at heavy spend (₱80,000/mo) we estimate ₱2,050/yr.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-07-30
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Metrobank Travel Platinum Visa fee table (fact-checked Jul 2026) — earn rates estimated
Flights, hotels, zero forex options
Source: Metrobank Travel Platinum Visa fee table (fact-checked Jul 2026) — earn rates estimated
Travel spend
Earns Rewards Points — stub value until official earn table is coded
~1.5% cash-equivalent (modeled)
Example: ₱10,000/mo spend → ≈ ₱150/mo
Overseas spend
~1.5% cash-equivalent (modeled)
Example: ₱10,000/mo spend → ≈ ₱150/mo
Other spends
~0.75% cash-equivalent (modeled)
Example: ₱10,000/mo spend → ≈ ₱75/mo
Forex markup
2.5%
Based on moderate spend for this market
Est. net annual
-₱1,895
per year
Annual fee
₱5,000
per year
Effective return
-0.5%
of spend
Annual fee ₱5,000 · Forex 2.5% — tap for full fees
Joining fee
Charged in first year
₱5,000
Annual / renewal fee
Charged every year unless waived
₱5,000
Forex markup
2.5%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–65 years · ₱58,334/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₱35,000/mo), gross rewards are about ₱3,555/year. After the ₱5,000 annual fee, net value is approximately -₱1,895/year. Use the calculator above to model your own spends.
₱58,334/month for salaried applicants (indicative — bank decides).
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Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
