Which card has the lower annual fee?

Petron BPI Card has the lowest annual fee at ₱1,550.

Which card earns more on moderate spend?

Metrobank Cashback Visa leads with an estimated ₱3,514/yr net annual value on moderate spend.

Which card has the lower income requirement?

Petron BPI Card lists a minimum monthly income of ₱15,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

Petron BPI Card vs Metrobank Cashback Visa

Honest side-by-side comparison of Petron BPI Card, Metrobank Cashback Visa — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

Petron BPI Card

BPI

Card 2

Metrobank Cashback Visa

Metrobank

Your adjusted comparison

Feature	Petron BPI Card BPI	Metrobank Cashback Visa Metrobank
Fees & eligibility
Annual fee	₱1,550	₱3,500
Fee waiver threshold	No waiver published	No waiver published
Min income	₱15,000/mo	₱58,334/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₱443/yr	₱3,514/yr
Groceries (offline)	—	₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/mo
Fuel	₱4,000 × 3% = ₱120/mo (₱1,440/yr) · issuer max ₱1,250/mo	—
Utilities & bills	—	₱3,500 × 5% = ₱175/mo (₱2,100/yr) · issuer max ₱1,000/mo
Top reward rate	3% cashback	5% cashback
Primary reward cap	₱1,250 rewards/mo cap	₱1,000 rewards/mo cap
Key exclusions	Non-fuel purchases	Not stated
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Petron BPI Card details →Metrobank Cashback Visa details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Metrobank Cashback Visa leads Petron BPI Card by about ₱3,957/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₱35,000/mo

₱35,000/month total spend — typical Philippines user

Groceries ₱8,000 · Online ₱7,000 · Dining ₱5,000 · Fuel ₱4,000 · Bills ₱3,500

Petron BPI Card vs Metrobank Cashback Visa comparison table
Feature	Petron BPI Card BPI	Metrobank Cashback Visa Metrobank
Fees & eligibility
Annual fee	₱1,550	₱3,500
Fee waiver threshold	No waiver published	No waiver published
Min income	₱15,000/mo	₱58,334/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₱443/yr	₱3,514/yr
Groceries (offline)	—	₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/mo
Fuel	₱4,000 × 3% = ₱120/mo (₱1,440/yr) · issuer max ₱1,250/mo	—
Utilities & bills	—	₱3,500 × 5% = ₱175/mo (₱2,100/yr) · issuer max ₱1,000/mo
Top reward rate	3% cashback	5% cashback
Primary reward cap	₱1,250 rewards/mo cap	₱1,000 rewards/mo cap
Key exclusions	Non-fuel purchases	Not stated
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: Petron BPI Card has the lowest annual fee at ₱1,550.
Which card earns more on moderate spend?: Metrobank Cashback Visa leads with an estimated ₱3,514/yr net annual value on moderate spend.
Which card has the lower income requirement?: Petron BPI Card lists a minimum monthly income of ₱15,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More Petron BPI Card comparisons