metrobank ON internet mastercard

Metrobank ON Virtual Mastercard

Minimum Annual Income


(P15,000 Monthly)

Interest Rate


Annual Fee


Product Summary

metrobank ON internet mastercard

Metrobank ON Virtual Mastercard

Enjoy a more seamless online shopping experience with the Metrobank ON Virtual Mastercard. Apply online, get approved, and receive your virtual card details in as fast as 48 hours! Access Metrobank’s roster of credit card perks in just a few clicks.
  • Earn 1 reward point for every ₱20 spend
  • Get approved and receive your virtual card in 48 hours
  • Flexible credit limit by requesting a credit limit transfer
  • Metrobank Interactive Assistance (MIA) on Facebook Messenger
  • Ideal for: tech-savvy millennials and online shoppers
Existing Credit CardRequired
Landline numberRequired
Age18 to 70 years old
Minimum Annual IncomeP180,000
Annual Fee P500 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate3%
Minimum Amount Due 5%

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Why Choose Metrobank ON Virtual Mastercard?

Add to cart without worries using your Metrobank ON Virtual Mastercard, a virtual credit card dedicated to online shopping. If you’re looking for secure transactions and budget-friendly features, this might be your next credit card. Find out more in this short review.

Experience an all-digital card

Digital means fast and convenient, the best words to describe what you’ll experience with the Metrobank ON Virtual Mastercard. Receive your virtual credit card details 48 hours from approval through secure digital channels and shop online as soon as you activate your card without a need for a physical card!

And don’t think having a virtual card means you can spend like crazy. Since the Metrobank ON Virtual Mastercard is a by-request accompanying credit card to your other Metrobank credit card, you’ll need to set a credit limit based on your other Metrobank card/s. This is another way to control your spending.

Secure your items with e-commerce protection

Online shopping poses a few inconveniences related to item delivery. Shop with the Metrobank ON Virtual Mastercard to automatically get worldwide insurance for your purchases. It’ll cover losses against defective, damaged, incomplete, or wrong items delivered and non-delivery of items.

Earn 1 point for every ₱20 spend

Digital also means easy, and so is collecting reward points with the Metrobank ON Virtual Mastercard. Every ₱20 spend earns you 1 reward point. Redeem rewards related to online spending like Shopee, Lazada, and GrabPay credits or convert your points to air miles, prepaid load, and other premium items.

Avail of 0% interest installment plans

It’s a no-brainer to buy big-ticket items online with the Metrobank ON Virtual Mastercard. Aside from its secure payment and e-commerce protection, you can also pay for your purchases in 0% interest installments. Choose your payment terms from 3, 6, 9, 12, 18, and 24 months.

Is Metrobank ON Virtual Mastercard the Right Card for You?

If you want to separate your online spending from other credit card purchases and set a cap on it, the Metrobank ON Virtual Mastercard is your best pick. Want different features? Try the credit card options below:

  • HSBC Red Mastercard. Receive more reward points when you shop online with this credit card. Earn 1 reward point for every ₱20 spend and get 4x more points when you dine, shop online, in-store, or overseas.
  • UnionBank Lazada Credit Card. There’s nothing more attractive to devoted online shoppers than a co-branded credit card with the biggest online shopping platform. Add accelerated rewards to this card’s allure because every ₱200 spend earns you 6 Lazada credits.
  • BPI Amore Platinum Cashback. There’s a credit card for every need and if you’re more into online food delivery, this one’s for you. Save when you order food online or dine in your favorite restaurants with this card’s 4% cash back for every ₱1,000 spend.


For every ₱20 you spend, you’ll receive one reward point. You can use your points to redeem prepaid load, GrabPay credits, online shopping vouchers, and other exclusive items.

With your Metrobank ON Virtual Mastercard, you can transfer the credit limit of your physical card to the virtual card. Just speak with a Metrobank customer service representative at 88-700-700 to request for a credit limit transfer.

Aside from the benefits of going digital, all Metrobank credit cards come equipped with the following features:

  • Bills2Pay - automated bills payment feature
  • Cash2Go - cash advance feature with flexible installment payment
  • Cash Rush - instant cash when you need it via ATM
  • M Connect - automated voice, text, and email payment verification service

Yes! Both physical and virtual versions of the Metrobank ON Virtual Mastercard are equipped with an E-Commerce Protection feature that covers you from incomplete, damaged, or wrong delivery items. It also has an EMV chip that protects your credit card information from prying eyes online.

Open your Messenger app, search for the Metrobank Interactive Assistance (MIA) account, and air out your Metrobank credit card concerns to the assigned Metrobank agent.

Upon submission of your requirements, your approval may come in as fast as 48 hours. Once you’re approved, you can use your new virtual credit card immediately—no need to wait for the physical card.


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