Metrobank World vs Platinum Mastercard®: Which is Better for You?

Jay Pagkatotohan

Jay Pagkatotohan

Last updated August 10, 2023

Your credit card is more than just a spending tool. It’s also a key that unlocks many doors to some of life’s finest and most lavish pleasures. 

Metrobank has two credit cards that can help you achieve your lofty lifestyle goals: the World Mastercard® and the Platinum Mastercard®. On the surface, these two cards look and function the same. But upon closer look, you’ll realize that they differ in some ways. 

Which of the cards suits you best? Let’s find out in this Metrobank World vs Platinum Mastercard® review. 

Metrobank World Mastercard® Key Features

metrobank world vs Platinum Mastercard - world

As the name suggests, Metrobank World Mastercard® lets its users access global and travel-related perks and luxuries. Check out its features below: 

  • Annual fee: ₱6,000 (waived if you apply until October 31, 2023 and meet an annual spend of ₱600,000)
  • Interest rate: 3%
  • Annual  income requirement: ₱4 million (₱333,333 per month)
  • Cash advance fee: ₱200
  • Overlimit fee: ₱750 per occurrence
  • Foreign transaction fee: 2.5% processing fee plus Mastercard’s assessment fee
  • Card replacement fee: ₱400

apply now

Meanwhile, the Metrobank World Mastercard® credit limit varies per cardholder depending on income, credit score, and other factors.

❓ Who is This Card Ideal For? 

With its generous points on overseas spend, the Metrobank World Mastercard® is the best companion for international travelers who love shopping. Moreover, it’s ideal for foodies who love exploring posh gastronomic spots in the metro.  

Metrobank World Mastercard® Review: What Perks Can You Get From This Card?

The Metrobank World Mastercard®’s annual fee may be considered expensive by some. But there's a way to waive it. You can enjoy zero annual fees if you apply until October 31, 2023 and meet the required yearly spend. 

This is the ideal credit card for accessing luxurious perks around the world. Here’s a breakdown of this Metrobank card’s features:

✔️ Exclusive Welcome Gifts  

Qualifed new Metrobank World Mastercard® cardholders will be treated to exclusive promos, such as the following: 

  • Free 300,000 rewards points – This is for carded first-time Metrobank cardholders who apply until October 31, 2023 and meet the required minimum spend of ₱90,000 within 60 calendar days from the card approval date.
  • Free gift – Apply through Moneymax and choose one from these three rewards once your application has been approved. Learn more below:

🎁 Free Gift from Moneymax: ₱2,500 Cash Credits, Dolce Gusto Piccolo XS, or JBL Clip 5

moneymax metrobank credit card promo

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

Promo period: Until June 30, 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 a Dolce Gusto Piccolo XS worth ₱5,199, a JBL Clip 5 worth ₱3,799, or Giftaway cash credits worth ₱2,500.

This Moneymax Metrobank eGift/Dolce Gusto/JBL promo runs until June 30, 2024 only. Hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-194371 Series of 2024. Terms and conditions apply. 

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

✔️ Generous Rewards Points on Overseas Spend

Love traveling and shopping abroad? You get 2x points for international purchases. Meanwhile, you can earn 1 rewards point for every regular ₱20 spend. 

✔️ Up to 50% Discount on Dining Deals 

Luxurious dining doesn’t need to bear a hefty price tag. Your Metrobank World Mastercard® lets you enjoy scrumptious meals for up to half the price. Check the official Metrobank website for the participating merchants.[1]

✔️ Free First Two Supplementary Cards

Share the exclusive privileges of your Metrobank World Mastercard® with your loved ones by getting them a supplementary card. Metrobank perpetually waives the annual fee of your first two supplementary cards. 

✔️ 0% Interest Installment 

Pay with your Metrobank World Mastercard® when you buy from the bank’s partner merchants and enjoy 0% installment. Installment terms are three, six, nine, 12, 18, and 24 months. 

Ready to apply for the Metrobank World Mastercard®? Click the banner to get started: 

Metrobank World Mastercard


Read more: Metrobank Credit Card Application: Eligibility, Requirements, and More

Metrobank Platinum Mastercard® Key Features

The Metrobank Platinum Mastercard® lets you enjoy a host of premium and top-tier perks on dining, shopping, and more. Learn more about this card below:

metrobank world vs Platinum Mastercard - platinum

  • Annual fee: ₱5,000 (waived if you apply until October 31, 2023 and meet an annual spend of ₱400,000)
  • Interest rate: 3%
  • Annual income requirement: ₱700,000 (₱58,333 per month)
  • Cash advance fee: ₱200
  • Overlimit fee: ₱750 per occurrence
  • Foreign transaction fee: 2.5% processing fee plus Mastercard’s assessment fee
  • Card replacement fee: ₱400

apply now

How much is the credit limit of Metrobank Platinum Mastercard®? As with all other cards, it varies depending on factors such as credit score and more. 

❓ Who is This Card Ideal For? 

This card is perfect for people who want to enjoy the finer things in life, especially when it comes to shopping and dining. It’s also best for spenders looking for a credit card that can offer them a taste of a luxurious life. 

Metrobank Platinum Mastercard® Review: Perks

One thing to note about the Metrobank World Platinum Mastercard® is its high annual fee. But you can enjoy no annual fees when you apply until October 31, 2023 and meet the required annual spend.  

Here are some of the most exciting Metrobank Platinum Mastercard® benefits:

✔️ Exclusive Welcome Gifts  

Eligible first-time Metrobank Platinum Mastercard® cardholders will receive the following gifts: 

  • Free 310,000 rewards points – This Metrobank Platinum Mastercard® promo is for first-time Metrobank cardholders who will apply until October 31, 2023. Successful applicants can receive these points when they meet the required minimum spend of ₱70,000 within 60 days from the card approval date. 
  • Free welcome gift from Moneymax – As with the World Mastercard®, you can pick one of these rewards when your application through Moneymax is approved. 

✔️ Generous Rewards Program 

Earn points faster by spending your Metrobank Platinum Mastercard®. Every ₱20 spend entitles you to 1 rewards point. Rewards range from personal gadgets and gifts for kids to air miles and donations to a good cause. 

Check the official Metrobank rewards catalog for more details.[3] 

✔️ e-Commerce Purchase Protection

Shopping online has never been safer and more secure with this Metrobank Platinum Mastercard® feature. Your online purchases come with protection worth up to US$200. 

✔️ Up to 50% Discount on Premium Dining Offers

Dining in style and luxury shouldn’t break the bank. Enjoy Metrobank Platinum Mastercard® promos to enjoy your delicious meals for half the price. 

✔️ Free First Supplementary Card 

Extend the perks and privileges of this card to a loved one by getting them a supplementary card. The first card that you get will be free for life! 

Start your Metrobank Platinum Mastercard® application by clicking the banner below: 

Metrobank Peso Platinum Mastercard

Metrobank World vs Platinum Mastercard®: Side-by-Side Comparison

metrobank world vs platinum mastercard - comparison

Still not sure which card to choose from Metrobank World vs Platinum Mastercard®? Check out this table that outlines both cards’ benefits. 

Credit Card Annual Fee Interest Rate Features and Benefits Welcome Gift
Metrobank World Mastercard® ₱6,000 (waived if you apply until October 31, 2023 and meet an annual spend of ₱600,000) 3%
  • 1 rewards point for every ₱20 spend
  • 1 mile per ₱25 foreign currency spend
  • 2x rewards points for international purchases
  • Up to 50% discount on dining deals 
  • Free first two supplementary cards
  •  Free ₱2,500 eGift, ₱2,500 Klook credits, or Mi Band 7 Smartwatch
  • Free 300,000 rewards points
Metrobank Platinum Mastercard® ₱5,000 (waived if you apply until October 31, 2023 and meet an annual spend of ₱400,000) 3%
  • 1 rewards point for every ₱20 spend
  • E-commerce protection worth up to US$200
  • Up to 50% discount on dining offers
  • Free first supplementary cards
  • Free ₱2,500 eGift, ₱2,500 Klook credits, or Mi Band 7 Smartwatch
  • Free 310,000 rewards points


Read more: 2 Simple Steps to Find the Best Credit Card for You

Metrobank World and Platinum Mastercard® Alternatives

Want more options? Check out Metrobank's lineup:

Credit Card Annual Fee Minimum Annual Income Requirement Key Features
Metrobank Titanium Mastercard®
  • 1 rewards point for every ₱20 spend
  • 2x points on dining, department store, and online purchases
Metrobank Platinum Mastercard®
  • 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®
₱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
  • Free airport lounge access


If what you’re looking for still isn’t in the table above, here are alternatives that also make reliable travel companions:

💳 Security Bank World Mastercard

Security Bank World Mastercard

With the Security Bank World Mastercard®, you can earn three points for every ₱20 spend. If you love shopping and dining abroad, you can enjoy exclusive rewards at participating merchants courtesy of Mastercard. This card also entitles you to free travel and medical insurance of up to ₱10 million. 

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

💳 BPI Visa Signature Card

BPI Signature Card

This premium Visa credit card from BPI has features and perks designed for travel junkies. For one, you can save while you shop abroad with its low forex conversion rate of 1.85%. You also get signature deals of up to 50% at participating hotels, resorts, restaurants, and fitness studios all year round.

💳 HSBC Platinum Visa Rebate

HSBC Platinum Visa Rebate

This Platinum-tier card from HSBC lets you earn a 5% rebate on shopping and travel transactions all year round. Moreover, you can earn a 1% rebate on insurance and a 0.5% rebate on all other transactions. Traveling somewhere? You can enjoy free travel insurance coverage. 

Read more: A First-Timer’s Guide to HSBC Credit Card Application

💳 HSBC Premier Mastercard

HSBC Premier

This card entitles you to 4x bonus points for every ₱20 spend overseas and 3x bonus points on local shopping or dining. Since you travel a lot, you’ll be thrilled that this card also comes with free travel insurance coverage. 

Meanwhile, if you're looking beyond the benefits of the Metrobank Platinum credit card, you also have a few alternatives that offer more exciting features:

💳 Security Bank Platinum Mastercard

Security Bank Platinum Mastercard

If you love to collect points, you need to check out the Security Bank Platinum Mastercard. Every ₱20 you spend earns you 2 rewards points. You can shop online with confidence with the card’s e-commerce purchase protection insurance worth up to US$200. Moreover, you can receive ₱3,000 cash credits with your new card. 

💳 BPI Amore Platinum Cashback

BPI Amore Platinum Cashback Card

The Amore Platinum Cashback Visa credit card from BPI is every shopaholic’s bestie. For every ₱1,000 you spend, you can enjoy 4% cashback at restaurants, 1% cashback at supermarkets and shops, and 0.3% cashback at all other retail stores (local or international; online or in-store).

Final Thoughts 

Metrobank credit cards are designed not just for spending but also for unlocking some of life’s finest pleasures. A testament to that is the bank’s two credit cards: Metrobank World Mastercard® and Metrobank Platinum Mastercard®

May this Metrobank World vs Platinum Mastercard® review help you come up with the right decision. If you have a family relative or friend who uses these cards, you may want to ask them about their experience. 

Compare credit cards with Moneymax


Jay is a marketing communications professional who specializes in short-form and long-form content. He has written ads for TV, radio, print, and digital. He has also produced corporate blogs, magazine features, white papers, product listings, reviews, and press releases for clients here and abroad. When he’s not writing, Jay plays the piano or takes pictures for his visual diary. Follow Jay on LinkedIn.


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