Metrobank Credit Card Rewards: How to Make Every Swipe Rewarding

Princess Anaviso

Princess Anaviso

Last updated November 09, 2023

Got a new Metrobank credit card? You must be thrilled to start swiping left and right to get exciting rewards. But while it’s true that you can earn points with every spend, you still have to be smart about every purchase to maximize the returns you get.

Elevate your experience as a credit card user by learning all about the Metrobank credit card rewards program. Explore how you can earn points quickly, when you can redeem your rewards, and where you can enjoy the fruits of your labor.

Before you spend more to earn more, check out how you can master one of the must-have credit card features offered by Metrobank: the rewards catalog.

What is the Metrobank Credit Card Rewards Program?

The Metrobank credit card rewards program does exactly what it says on the tin: reward every Metrobank cardholder with freebies like gift certificates, exclusive discounts, and other exciting prizes from multiple partner merchants.

It works like any other rewards program—you earn a certain amount of points for every amount you spend using your eligible Metrobank credit card. If you earn enough points, you can redeem various items, services, and experiences from Metrobank’s extensive rewards catalog.[1] 

Types of Rewards You Can Redeem With Your Metrobank Points

metrobank credit card rewards - types

There are four types of rewards you can redeem with the Metrobank credit card rewards points you earn. Check them out below.

👉 Gift Certificates 

Is there a bigger steal than a credit card that gets you free gift certificates from your favorite stores? With a Metrobank credit card, you can get a gift certificate worth ₱1,000, which you can use at Metrobank’s partner stores.

To start redeeming, all you have to do is earn at least 23,000 rewards points. Save up your points, so you can splurge on your next dining or shopping spree.

👉 Annual Fee Waivers and Rebates 

Don’t want to pay for credit card annual fees? It’s okay if your credit card lacks the no-annual-fees-for-life feature—you can still skirt around annual fees by using your rewards points. Just earn at least 13,200 points to start waiving your annual fees. You can also exchange your points for future rebates!

👉 Air Miles 

If you’re not a rewards kind of cardholder, then you must be looking for air miles instead. Luckily, with your Metrobank credit card, you can rack up air miles for your next trip. Earn at least 10,000 rewards points to redeem air miles from Philippine Airlines, Cathay Pacific, or Singapore Airlines. 

👉 Donations 

Not looking for any reward for yourself? You can share your rewards with those who may need them more by using your points to make donations to reputable charities in the Philippines. 

How to Earn Rewards Points Using Your Metrobank Credit Card

metrobank credit card rewards - how to earn rewards points

Now that you know what your credit card points can get you, it’s time to learn exactly how to earn points with your Metrobank credit card. Believe it or not, earning points is not as easy as swiping your card. For starters, you have to figure out the points conversion for your credit card and what types of purchases earn the most points. 

Luckily, Metrobank’s points conversion rate is pretty neat at ₱20 = 1 point. This means that for every ₱20 you spend using your credit card, you earn 1 rewards point. Depending on the Metrobank credit card you have and the type of purchases you make, those points can even double or triple per transaction. 

This is why the type of credit card you get is important. Do your due diligence when comparing credit cards from the get-go, so you can find the card that’ll give you the most value.

Before you start spending, note that not all types of purchases will earn you points. Common spend categories like retail and travel are certainly eligible, but the following ones are not:

  • Cash advance
  • Balance transfer
  • PayBills facility using Metrobank Online or the Metrobank app
  • Annual fees and other credit card fees
  • Interest and finance charges
  • Late payment fees and other penalties

Other transactions that won’t earn you points include the following:

  • Conversion to installment – If you enroll a recent straight purchase into an installment program, you will lose your right to earn points from that purchase.
  • Cash2Go transactions – Cash2Go is a feature wherein Metrobank cardholders can convert their unused credit limit to cash.
  • PayNow transactions – PayNow is another Metrobank feature wherein cardholders can deposit money to a bank account using their credit card. If you use this feature to pay for tuition, hospital bills, or rent, among others, it won’t earn you points. 

Note that although some Metrobank promos require you to meet an accumulated spend requirement to redeem certain rewards, points are still computed per transaction and not based on your overall purchases.

Also, Metrobank’s reward program is extended to your supplementary cardholders, so every spend your family members make can also earn you points. 

💳 How to Earn Rewards Using Your Titanium Mastercard®

Metrobank Titanium

If you own a Metrobank Titanium Mastercard®, every ₱20 spend you make with your credit card earns you 1 rewards point. On top of the base points conversion rate, you also get twice the rewards points for all of your dining, department store, and online purchases. This lets you fast-track your redemption of rewards from the Metrobank credit card rewards catalog. 

You can use your credit card to get gift certificates from Power Mac Center, Digital Walker, Jollibee, Mercury Drug, Abenson, and other popular retail stores and restaurants.

Bonus: if you apply now until February 29, 2024, and meet the annual spend requirement of ₱180,000, you can wave your annual fees goodbye.

💳 How to Earn Rewards Using Your Platinum Mastercard®

Metrobank Peso Platinum Mastercard

While the Metrobank Platinum Mastercard® doesn’t have any points multiplier unlike its premium counterparts, you can still earn 1 rewards point for every ₱20 spend. This still gives you access to the Metrobank credit card rewards catalog, especially if you use your credit card often. Get gift certificates from H&M, Lazada, Grab, and other popular brands when you use this card to earn points.

Plus, if you apply until January 31, 2024 and meet the ₱70,000 required minimum spend within 60 calendar days from approval, you get 310,000 rewards points.

💳 How to Earn Rewards Using Your World Mastercard®

Metrobank World Mastercard

There’s a reason why Metrobank’s most premium card has “World” in its name—it’s meant for frequent travelers who love to explore. If you’re that person and you own the Metrobank World Mastercard®, get ready to enjoy your international shopping sprees more often. Aside from giving you access to the basic Metrobank credit card points value system, this credit card also doubles your points for purchases made abroad. 

Lastly, if you apply until January 31, 2024 and meet the ₱90,000 required minimum spend within 60 calendar days from approval, you get 300,000 rewards points.


🎁 Free Gift from Moneymax: ₱2,500 Cash Credits, Dolce Gusto Piccolo XS, or Xiaomi Redmi Bluetooth Soundbar

moneymax metrobank credit card promo - giftaway egift dolce gusto piccolo xs xiaomi redmi bluetooth soundbar

Eligible cards: Metrobank Titanium Mastercard®, Platinum Mastercard®, and World Mastercard®

Promo period: Until May 31, 2024

How do you get a Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website.

Choose between ₱2,500 worth of cash credits via Giftaway, a Dolce Gusto Piccolo XS worth ₱5,199, or a Xiaomi Redmi Bluetooth Soundbar worth ₱2,499 as your free special gift.

This Moneymax Metrobank eGift/Dolce Gusto/Xiaomi Redmi promo runs until May 31, 2024 only. Hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-191118 Series of 2024. Terms and conditions apply.

Note: Applicant must be an existing credit cardholder in good standing for at least nine months.


How to Redeem Your Metrobank Credit Card Rewards

Before you can start enjoying your rewards, you have to know how to redeem your credit card points. Luckily, the Metrobank credit card rewards points redemption process is pretty straightforward, regardless of the type of reward you’re trying to redeem. The steps are as follows:

  1. Search for MIA of Metrobank Card on Facebook Messenger. MIA stands for Metrobank Interactive Assistant and serves as Metrobank’s online chatbot.[2] 
  2. Start a chat with MIA by choosing Redeem Rewards from the automated menu.
  3. Log into your Metrobank account using your credit card details.
  4. Enter the security code sent to your registered mobile number to verify your identity.
  5. Select the reward you want to redeem. Processing your reward redemption will take three to five banking days from your request date.
  6. After that, you will receive an SMS with a link to claim your reward.

 

📌 How to Convert Your Metrobank Credit Card Points to Cash

Another way to use your rewards points from your Metrobank credit card is to convert them to cash credit. Note that you can’t convert all of your points straight to cash—you need a certain amount of points to get a certain amount of cash credit. Whatever your Metrobank credit card is, you can get a ₱500 cash credit for every 10,100 points.

You can use your cash credit to shop, dine, or pay for other purchases in participating stores, but take note that you can redeem only up to 101,000 rewards points or ₱5,000 worth of cash credits every year, so use your cash credit conversion wisely. 

To redeem, just select Cash Credit as the reward you’re claiming when using the MIA online service on Facebook Messenger.

📌 How to Convert Your Metrobank Credit Card Points to Miles

Another option on what to do with your Metrobank credit card points is to convert them to air miles. Traveling for free has been the dream of many credit cardholders. If you’re planning to exchange your rewards for a chance to fly, you need to know the air miles conversion rate for the Metrobank credit card you have. 

Here’s an example: 

   
Philippine Airlines / Mabuhay Miles
Singapore Airlines / Kris Flyer
Cathay Pacific / Asia Miles
 
 
Minimum and Maximum Redemption
Credit Card Type
Air Mile Conversion
Min
Max
Min
Max
Min
Max
Metrobank Titanium Mastercard®
METROBANK TITANIUM MASTERCARD
APPLY-NOW-1
10 points = 1 air mile
20,000 points
100,000 points
20,000 points
100,000 points
20,000 points
100,000 points
Metrobank Platinum Mastercard®
metrobank PLATINUM MASTERCARD
APPLY-NOW-1
5 points = 1 air mile
10,000 points
30,000 points
10,000 points
50,000 points
10,000 points
50,000 points
Metrobank World Mastercard®
metrobank WORLD MASTERCARD
APPLY-NOW-1
2.5 points = 1 air mile
10,000 points
30,000 points
10,000 points
30,000 points
10,000 points
30,000 points

 

To redeem air miles with your Metrobank credit card rewards points, just choose Air Miles as the reward you’re claiming on the MIA online service.

Where to Use Your Metrobank Credit Card Points

metrobank credit card rewards - where to use points

If you’re wondering what you can do with your Metrobank credit card points, one of the popular options is to redeem gift certificates to save on your next shopping spree. 

Here’s an extensive list of participating stores:[3]

📱 Gadgets and Appliances

You can use your Metrobank points in the following gadget and appliance stores:

Abenson

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: MCC2018006

Beyond the Box

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: MCC2021018

Power Mac Center

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: MCC2018005

Silicon Valley

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2018X7295

Western Appliances

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: MCC2018008

🍽️ Restaurants and Cafés

You can use your Metrobank points in the following restaurants and cafés:

Coffee Bean & Tea Leaf

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2018X1321

Jollibee

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2021X8497

TGI Fridays

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2018X2327

Wildflour Café

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2018X73

Yellow Cab

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: MC2021X6851

🛍️ Retail Stores

You can use your Metrobank points in the following retail stores:

H&M

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: 20228758X2

Landmark

  • Gift Certificate Amount: ₱1,000
  • Points Required: 26,000
  • Reward Code: M2018X4465

S&R

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: MCC2018002

SM

  • Gift Certificate Amount: ₱1,000
  • Points Required: 26,000
  • Reward Code: M2018X7022

ZARA

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: MCC2021023

🏍️ Online Delivery Services

You can use your Metrobank points when availing of services from the following online delivery service providers:

Grab

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: 20229224X2

GrabFood

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2210513X2

GrabMart

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: 2021X11440

Lazada

  • Gift Certificate Amount: ₱1,000
  • Points Required: 26,000
  • Reward Code: M201810723

Pickaroo

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2211086X2

❤️ Health and Wellness

You can use your Metrobank points when availing of services from the following health and wellness providers:

Bioessence

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2018X5536

Hi-Precision Diagnostics

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2018X7462

Mercury Drug

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2021X9261

MyHealth Clinic

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2018X7112

Pet Express

  • Gift Certificate Amount: ₱1,000
  • Points Required: 23,340
  • Reward Code: M2021003

👐 Charities

You can use your Metrobank points to donate to the following charities:

ICanServe Foundation

  • Donation Amount: ₱500
  • Points Required: 8,000

UNICEF

  • Gift Certificate Amount: ₱1,000
  • Points Required: 8,000

5 Tips to Maximize Your Metrobank Credit Card Rewards 

metrobank credit card rewards - how to maximize

There are extra steps you can take to make the most of your credit card spend and earn maximum points for each purchase. Check them out below:

✔️ Choose a Credit Card with a Points Multiplier

One way to earn credit card points quickly is to get a credit card with an accelerated rewards program or a great points multiplier. While the spend-to-point conversion of Metrobank is generally pretty decent, you can earn points a lot quicker if you use specific cards for specific purchases to double or triple your points on certain spend categories. 

For example, the Metrobank Titanium Mastercard® earns you double points on shopping and dining spend, while the Metrobank World Mastercard® earns you double points on overseas spend. Take advantage of these point multipliers.

✔️ Use Your Credit Card for Big-Ticket Purchases

To earn airline miles fast, use your Metrobank credit card on all of your big-ticket purchases. Aside from enjoying flexible installment rates with your credit card, you can also earn more points because of Metrobank’s ₱20-per-point conversion rate. 

✔️ Maintain a Good Credit Standing to Keep your points

Did you know that your rewards points can be erased if you don’t maintain a good credit standing with your bank? Your Metrobank credit card points expiration will come soon enough if you’re irresponsible about card use, so always settle your dues on time so as not to forfeit your rewards. 

✔️ Redeem Your Rewards Early

While the Metrobank credit card rewards redemption process is simple, it doesn’t mean you’ll always get your rewards instantly. If you’re planning a trip anytime soon, redeem your air miles at least a week before you book your trip. The same goes for your planned lunch or dinner dates. 

Plan when to redeem your reward to avoid delays and disappointments down the line.

✔️ Wait for Exclusive Credit Card Promos

Aside from the gift certificates and rebates you can redeem with your Metrobank credit card points, you can also access exclusive Metrobank credit card promos to get the most out of your card. Usually, banks offer generous rebates and freebies during peak seasons, so always keep your eyes peeled for announcements! 

Final Thoughts

Metrobank has made a lot of effort over the years to make everyone’s credit card experience as seamless as possible—from its credit card application process to its rewards redemption system. 

There’s a lot to gain from maximizing your Metrobank credit card rewards, so learn everything you can about what your card can do and where it can take you. Trust us, your knowledge will make your experience all the more rewarding and valuable!

In case you don't have a Metrobank credit card yet, here's a recap of your best options. Apply easily via Moneymax below:

Credit Card Annual Fee Minimum Annual Income Requirement Key Features
Metrobank Titanium Mastercard®
METROBANK TITANIUM MASTERCARD
APPLY NOW
₱2,500
₱180,000
  • 1 rewards point for every ₱20 spend
  • 2x points when you spend online, on dining, or at department stores
Metrobank Platinum Mastercard®
metrobank PLATINUM MASTERCARD
APPLY NOW
₱5,000
₱700,000
  • 1 rewards point for every ₱20 spend 
  • Up to 50% off on exclusive dining deals
  • Up to US$200 eCommerce Purchase Protection
Metrobank World Mastercard®
metrobank WORLD MASTERCARD
APPLY NOW
₱6,000
₱1.5 million
  • 1 rewards point for every ₱20 spend 
  • 2x rewards points for every ₱20 international spend
  • 1 mile = ₱25 foreign currency spend
  • Up to 50% off on dining deals
  • Free airport lounge membership

Sources:

Princess is a seasoned writer with over seven years of experience in digital marketing and corporate communications. She took master's degree units in Creative Writing at the University of the Philippines Diliman and graduated with a bachelor's degree in English Language and Literature from Saint Louis University. Beyond writing, she enjoys reading novels, watching series, and crocheting. Follow Princess on LinkedIn.

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