Which card has the lower annual fee?

Metrobank Cashback Visa has the lowest annual fee at ₱3,500.

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?

Metrobank Cashback Visa lists a minimum monthly income of ₱58,334.

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

Metrobank Cashback Visa vs Metrobank Travel Platinum Visa

Honest side-by-side comparison of Metrobank Cashback Visa, Metrobank Travel Platinum 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

Metrobank Cashback Visa

Metrobank

Card 2

Metrobank Travel Platinum Visa

Metrobank

Your adjusted comparison

Feature	Metrobank Cashback Visa Metrobank	Metrobank Travel Platinum Visa Metrobank
Fees & eligibility
Annual fee	₱3,500	₱5,000
Fee waiver threshold	No waiver published	No waiver published
Min income	₱58,334/mo	₱58,334/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₱3,514/yr	-₱1,895/yr
Groceries (offline)	₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/mo	—
Travel	—	₱3,000 × 1.5% = ₱45/mo (₱540/yr)
Utilities & bills	₱3,500 × 5% = ₱175/mo (₱2,100/yr) · issuer max ₱1,000/mo	—
Top reward rate	5% cashback	~1.5% cash-equivalent (modeled)
Primary reward cap	₱1,000 rewards/mo cap	No monthly cap published
Key exclusions	Not stated	Not stated
Bonuses
Signup bonus	—	—

Stack mode (hold both)

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

Metrobank Cashback Visa details →Metrobank Travel Platinum Visa details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Metrobank Cashback Visa leads Metrobank Travel Platinum Visa by about ₱5,409/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

Metrobank Cashback Visa vs Metrobank Travel Platinum Visa comparison table
Feature	Metrobank Cashback Visa Metrobank	Metrobank Travel Platinum Visa Metrobank
Fees & eligibility
Annual fee	₱3,500	₱5,000
Fee waiver threshold	No waiver published	No waiver published
Min income	₱58,334/mo	₱58,334/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₱3,514/yr	-₱1,895/yr
Groceries (offline)	₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/mo	—
Travel	—	₱3,000 × 1.5% = ₱45/mo (₱540/yr)
Utilities & bills	₱3,500 × 5% = ₱175/mo (₱2,100/yr) · issuer max ₱1,000/mo	—
Top reward rate	5% cashback	~1.5% cash-equivalent (modeled)
Primary reward cap	₱1,000 rewards/mo cap	No monthly cap published
Key exclusions	Not stated	Not stated
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: Metrobank Cashback Visa has the lowest annual fee at ₱3,500.
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?: Metrobank Cashback Visa lists a minimum monthly income of ₱58,334.
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 Metrobank Cashback Visa comparisons