Metrobank World Mastercard review, fees and requirements
People who spend abroad and online and want two free supplementary cards. Needs another bank’s card for 9+ months with a ₱165,000+ limit.
Card image: MetrobankBenefits of the World Mastercard
From Metrobank’s own card page.
- 3 points per ₱20 on foreign currency, online and hotel spend
- 1 point per ₱20 on everything else
- Two supplementary cards free for life
People who spend abroad and online and want two free supplementary cards.
Needs another bank’s card for 9+ months with a ₱165,000+ limit.
What it costs
- Annual fee
- ₱6,000/yrFrom listings (first year free); ask Metrobank
- Supplementary card
- Free for life on two supplementary cards
- 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 ₱83,333 a month (₱1,000,000 a year)
- An existing credit card from another bank (see the bank’s page for how old and what limit)
- 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 World Mastercard
Similar cards from other banks, and the next level up.
Premium perks at a lower annual fee than most.
- Annual fee
- ₱4,000/yr
- Income needed
- ₱65,000/mo₱780,000 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 2026High spenders who want BPI’s top travel card.
- 2 BPI points for every ₱20
- Free lounge access at NAIA
- Up to ₱20 million travel accident and inconvenience cover
- Annual fee
- ₱5,500/yrFirst supplementary card free for life
- Income needed
- ₱100,000/mo₱100,000 a month
A ₱5,500 fee needs real travel or spending to earn back.
See it on BPI From the bank’s own pages · November 2026
Top-tier travel perks for very high earners.
- Annual fee
- ₱6,000/yr
- Income needed
- ~₱166,700/mo₱2,000,000 a year
Very high income rule. Most people do better with a no-fee card plus one travel card.
See it on RCBC From comparison listings · confirm with the bank · November 2026
Metrobank World Mastercard: questions
₱6,000 a year for the principal card (From listings (first year free); ask Metrobank). Many banks waive it if you ask, use the card regularly or redeem points.
About ₱83,300 a month (₱1,000,000 a year), as published by Metrobank. Banks also look at your credit record and existing cards.
No. Metrobank asks applicants to already hold another bank’s credit card (see the requirements above). Start with a no-fee starter card first.
3 points per ₱20 on foreign currency, online and hotel spend, 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.