Is This Rewards Card Worth It? Metrobank Titanium Mastercard® Review

Credit cards come in all shapes and sizes. Use them to earn points, miles, or cashback on your purchases and pay for major purchases at more affordable terms.

But before you get a credit card, it's essential to determine what you spend most on and what kind of rewards you want to earn. 

Since you're here, you're probably considering this Metrobank credit card. Read our Metrobank Titanium Mastercard^® review to learn its features, benefits, pros, cons, and alternatives. 

Metrobank Titanium Mastercard^® Key Features

• Annual fee: No annual fee when you meet an annual spend requirement of ₱180,000 
• Interest rate: 3%
• Minimum annual income requirement:
  • ₱180,000 for existing credit cardholders
  • ₱350,000 for new credit cardholders
• Cash advance fee: ₱200
• Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
• Overlimit fee: ₱750
• Foreign transaction fee: Mastercard’s assessment fee, 2.5% processing fee
• Card replacement fee: ₱400

How much is the credit limit of the Metrobank Titanium Mastercard^®? It differs per cardholder and is determined by your monthly income, credit score, and payment history.  

❓ What is Metrobank Titanium Mastercard^®? 

The Titanium Mastercard^® is a rewards credit card from Metrobank that lets a cardholder earn points for their purchases. Accumulated points can be used to redeem items from Metrobank's rewards catalog. 

❓ Who is Metrobank Titanium Mastercard^® Ideal for? 

We highly recommend the Metrobank Titanium Mastercard^® for individuals looking for an everyday shopping card because of its fast rewards earn rate.

It’s also an excellent option for lifestyle spenders who like to shop in-store and online, frequently dine out and travel, and want to get the most value from their credit card. 

The Metrobank Titanium Mastercard^® requirements are also easy to obtain, so it's perfect for credit card newbies. You just need a valid ID, an active mobile and landline number, and a minimum monthly income of ₱15,000 (if you already have an active credit card with Metrobank or another bank). 

Read more: Top 18 Easiest Credit Cards to Get in the Philippines

Why Should I Get the Titanium Mastercard^® from Metrobank? 

Let’s start this Metrobank Titanium credit card review with the reasons to apply for this particular credit card.

✔️ Double Rewards Points  

Use your Metrobank Titanium Mastercard^® for your essential and lifestyle spending and earn 1 non-expiring reward point for every ₱20 spend. Moreover, you earn double reward points for all your department store, dining, and online spending.  

✔️ No Annual Fee for Life Promo

Did you know that you can get your Metrobank Titanium Mastercard^® annual fee waived? If you apply until February 28, 2025 and meet the minimum annual spend of ₱180,000, you can get this card with free annual fees forever.

Get your credit card application started today to avail of this Metrobank Titanium Mastercard^® promo. 

What are the Metrobank Titanium Mastercard^® Benefits?

Know how to use your Metrobank Titanium credit card to maximize benefits such as these: 

👉 Free Welcome Gift from Moneymax

If you apply for this credit card through Moneymax, you can get a freebie of your choice:

👉 Wide Variety of Rewards

Once you’ve saved enough points, redeem premium items from the rewards catalog. Choose the Metrobank Titanium Mastercard^® rewards you prefer: air miles, gift certificates, or fee waivers and rebates. You can even donate your rewards points to a charitable institution of your choice. 

👉 0% Installment Plan for More Manageable Payments

With your Metrobank Titanium Mastercard^®, you can buy hot-ticket items and pay in affordable monthly installments. Whether it’s a new smartphone or tablet, a whole new wardrobe, airfare tickets, or school tuition, you can charge it to your card and pay in three, six, nine, 12, 18, or 24 months. 

👉 Exclusive Offers from Metrobank

As a Metrobank Titanium cardholder, you also get access to exclusive dining, shopping, and travel offers and promos.^[1] Avail of various promos and discounts by shopping or dining at participating establishments and meeting the spending requirement within the promo period. 

👉 E-Commerce Protection for Worry-Free Shopping

Is online shopping your therapy? All your online item purchases get automatic worldwide insurance with E-Commerce Protection. 

Enjoy peace of mind whenever you shop online. Never worry again about paying for losses when the wrong or incomplete items get delivered. Its E-Commerce Protection also covers defective and damaged items during delivery and non-delivery of items purchased online.   

👉 Value-Added Services

Pay your utility bills conveniently using your credit card via Bills2Pay. 

Meanwhile, if you have other credit cards and want to transfer the balance to your Metrobank Titanium Mastercard^®, you can enjoy a tenor of three to 60 months at an affordable monthly add-on rate of 1%.

Lastly, borrow against your available credit limit via Cash2Go and pay in light installments of up to 60 months. With the Cash Rush facility, you can also get fast cash via an ATM. 

Ready to get the Metrobank Titanium Mastercard^®? Apply through Moneymax by clicking the banner below:

Metrobank Titanium Mastercard^® Credit Card Alternatives

Need more credit card options? Check out Metrobank's lineup:

Credit Card	Annual Fee	Minimum Annual Income Requirement	Key Features
Metrobank Titanium Mastercard®	₱2,500	₱180,000	1 rewards point for every ₱20 spend 2x points on dining, department store, and online purchases
Metrobank Platinum Mastercard®	₱5,000	₱700,000	1 rewards point for every ₱20 spend  Up to 50% off on exclusive dining deals eCommerce Purchase Protection
Metrobank World Mastercard®	₱6,000	₱1.5 million	1 rewards point for every ₱20 spend  3x rewards points on every ₱20 international spend 1 mile = ₱17 foreign currency spend Up to 50% off on dining deals Complimentary airport lounge access

Still looking for more? Read on:

💳 UnionBank Rewards Credit Card

Looking for another rewards credit card with a fast earn rate? With the Unionbank Rewards Credit Card, you earn 1 non-expiring point for every ₱30 spend. You can also triple the points when you shop and dine here or abroad. 

Read more: How to Apply for a UnionBank Credit Card: 3 Easy Steps to Follow

💳 Metrobank Platinum Mastercard^®

Metrobank Titanium vs. Platinum, which is better? If you’re ready to unlock top-tier rewards and privileges, the Metrobank Platinum Mastercard^® is for you.

Earn 1 point for every ₱20 spend and enjoy up to 50% off on dining deals exclusive to your Platinum credit card. Moreover, you get up to US$200 e-Commerce Purchase Protection. 

As with the Metrobank Titanium Mastercard^®’s no annual fee promo, you can get waived annual fees if you apply for a Metrobank Platinum Mastercard^® until February 28, 2025. Meet the ₱400,000 required minimum annual spend to enjoy waived annual fees. 

💳 Metrobank World Mastercard^®

How about a premium travel credit card from Metrobank? Earn 1 mile for every ₱25 foreign currency spend, enjoy free airport lounge membership, and get up to 50% discount on dining deals. 

If you have an existing credit card with another bank, apply for the Metrobank World Mastercard^® until February 28, 2025 to get zero annual fees (with a minimum annual spend of ₱800,000). 

💳 HSBC Red Mastercard 

A great alternative to the Metrobank Titanium Mastercard^® is the HSBC Red Mastercard. It’s perfect for everyday shopping and luxurious treats. Earn 4x rewards points on shopping, dining, online, and overseas spend, plus 1 bonus point for every other spend worth ₱20. Lastly, get a 3% rebate at Caltex all year round. 

You must have a minimum monthly income of ₱16,666 to qualify for this credit card.  

Read more: HSBC Credit Card Application: 4-Step Guide for First-Timers

💳 Security Bank Gold Mastercard

Need more rewards credit card options? The Security Gold Mastercard earns 1 non-expiring point for every ₱20 spent. Plus, you enjoy no annual fees in your first year. 

💳 Security Bank Platinum Mastercard

Want to level up? Check out the Platinum Mastercard credit card from Security Bank. Earn 2 rewards points with every ₱20 you spend. Frequent travelers can also enjoy travel insurance of up to ₱10 million, free online purchase protection of up to US$200, and access to airport lounges worldwide.

💳 Security Bank World Mastercard

For even more premium travel benefits, apply for the Security Bank World Mastercard. Get membership to thousands of lounges in airports worldwide, free travel insurance coverage up to ₱10 million, and exclusive dining, spa, and retail offers from airport merchants.

Related: How to Apply and Get Approved for a Security Bank Credit Card

Metrobank Titanium Card Review: Final Thoughts

Now you know what a good rewards credit card can do for you! Hopefully, this Metrobank Titanium Mastercard^® review has answered your questions about its features and benefits. 

It’s worth it if you frequently spend on essential, lifestyle, and travel expenses. Plus, you earn rewards points for as low as ₱20 spend with your card. If you're an existing credit cardholder, you can easily meet its minimum income requirement. 

Enjoy waived annual fees if you meet the spending requirements. But note that you can still explore other credit cards with no annual fees—those that don’t require a minimum spend within a specific period. 

Source: ^[1] Metrobank Promos for 2025