Metrobank Titanium Mastercard review, fees and requirements
Points on online shopping and dining with a mid-level income rule. The fee waiver is a promo. Ask whether it is for life or only the first year.
Card image: MetrobankBenefits of the Titanium Mastercard
From Metrobank’s own card page.
- 1 point for every ₱20, points never expire
- 2× points on online, department store and dining spend
- Redeem for eGCs, miles or donations
Points on online shopping and dining with a mid-level income rule.
The fee waiver is a promo. Ask whether it is for life or only the first year.
What it costs
- Annual fee
- Ask the bankWaived under a current Metrobank offer (listings); ask for the regular fee
- Supplementary card
- Ask the bank
- Interest
- Up to 3% a month (BSP cap)Only if you don’t pay the full balance by the due date
- Late payment
- Ask the bank
- Cash advance
- Ask the bankPlus interest from day one
- Foreign currency
- Ask the bank
What Metrobank asks for
- Gross income of about ₱29,167 a month (₱350,000 a year)
- No existing credit card needed
- A valid government ID and proof of income (payslips, COE or BIR Form 2316; ITR if self-employed)
- Age 21 or older is the usual rule for principal cardholders; check the bank’s form
Approval is the bank’s call. Applying where your salary or savings already are helps.
Cards to compare with the Titanium Mastercard
Similar cards from other banks, and the next level up.
A mid-tier card from Security Bank.
- Annual fee
- ₱2,500/yr
- Income needed
- ₱30,000/mo₱360,000 a year
Figures from a 2025 fee table; confirm with Security Bank.
See it on Security Bank From comparison listings · confirm with the bank · November 2026People who shop on Lazada often.
- Annual fee
- ₱3,000/yr
- Income needed
- ₱30,000/mo₱360,000 a year
Only worth it if Lazada is a big part of your spending.
See it on UnionBank From comparison listings · confirm with the bank · November 2026
Points on dining, shopping and online spend, first year free.
- 4× bonus points on online, dining, shopping and overseas spend
- 1 bonus point for every ₱20
- No annual fee the first year
- Annual fee
- ₱2,500/yrFree the first year (HSBC)
- Income needed
- ~₱33,300/moLowest income HSBC lists for a public card
From year two the annual fee applies unless you get a waiver.
See it on HSBC Partly from the bank · confirm the rest · November 2026
Metrobank Titanium Mastercard: questions
Waived under a current Metrobank offer (listings); ask for the regular fee. Ask Metrobank before applying.
About ₱29,200 a month (₱350,000 a year), as published by Metrobank. Banks also look at your credit record and existing cards.
It can be, if your income clears the rule, but most people start with a no-fee card and move up after 6 to 12 months of paying in full.
1 point per ₱20, 2× on online, department store and dining, per Metrobank’s own page. Rewards only pay off if you pay the full balance every month; card interest is up to 3% a month.
How this page works. Figures come from Metrobank’s own pages and, where the bank doesn’t publish them, comparison listings, checked November 2026. Banks change fees and rules and decide approvals case by case, so confirm on Metrobank’s page before you apply. If the button above is a partner link it says so; PesoPilot may earn a fee when an application is approved, at no cost to you, and it never changes what we say about a card. Educational, not financial advice.