Metrobank Gold Visa and Promo

Metrobank Gold Visa Credit Cards

Interest Rate
3.54% per month
Annual fee
P2,500 First year waived
Promo & Features
  • Fuel rebate
  • Reward
  • Mileage
  • Shopping
Apply
Online
Inquiry
Tel
8700-700
Online
Visit inquiry page
  • Personal Accident and Medical Insurance from AXA and Charter Ping An.
  • Get exciting deals, discounts and special privileges only for Metrobank Credit Cardholders.
  • Stand out among others by getting your own personally designed credit card.
  • Minimum monthly income : P40,000
  • Annual Fee for Supplementary holder : P1,500 First year waived
  • Late payment charge : 7.5% of outstanding amount or P600, whichever is higher
  • more info
User Rating 2.3 (9 Reviews)
Krista Nicerio Marami akong nababasang mga galit at unsatisfied na mga reviews tungkol sa card na ito. Pero very pleasant naman ang ...read more
Forum 3Threads (9 Replies)
John Karlo Magbanua Bakit sa Metrobank mas maraming requirements na hingi sa ibang bank hndi naman, ganun din ba sainyo?

Information

Reviews

Forum

Personal Accident and Medical Insurance from AXA and Charter Ping An.

Protect yourself during emergencies and accidents, receieve P 2million in Card balance protector for payments for of your outstanding balance in case of an accident and P 1million worth in personal accident with card protection insurance in ACCI Shield.

Get exciting deals, discounts and special privileges only for Metrobank Credit Cardholders.

Enjoy the best out of your card at any ""M here!"" partner establishments, get exclusive deals at shopping, dining, travel, wellness and even buy one get one promos.

Stand out among others by getting your own personally designed credit card.

Introducing a joint venture of Metrobank and ANZ Metrobank's Designmycard, create your originally designed credit card with your favorite photo and stand out among others.

Basic Information

Card name

Metrobank Gold Visa

Bank

Metrobank

Brand

VISA

Type

Premier

Fees and charges

Interest rate (per month)

3.54%  per month

Annual fee

P2,500  First year waived

Annual Fee for Supplementary holder

P1,500
First year waived

Minimum Payment

Credit Limit

Late payment charge

7.5% of outstanding amount or P600, whichever is higher

Cash advance limit

Cash advance handling fee

3% of amount withdrawn or P600, whichever is higher plus additional P500 for over-the-counter transactions

Cash advance interest charge

3.96%

Overseas spending fee

The amount will be converted to PHP based on MasterCard's currency rate at the time of the purchase plus 2.50% processing fee

Over Limit Fee

P500

Payment Channels and Fees

Metrobank or PSBank branch
Metrobank or PSBank ATM
Bancnet ATM
MetroPhone
Metrobank mobile banking or online
Metrobankdirect
PSBank Remote Banking.

Installment Plan

0% interest installment scheme at partner stores

Returned Check Fee

P1,500

Closed Maintenance fee

P200 or an amount equivalent to the credit balance, whichever is lower

Gaming Service transaction fee

5%

Eligibility

Minimum monthly income

P40,000

Minimum age for Principal holder

Must be 21 to 70 years old

Minimum age for Supplementary holder

At least 13 years old

Promo & Features

Cashback

Reward

P20 spent = 1 point
  • Earn 1 rewards point for every P20 spent and redeem points from exciting rewards items
  • Points can also be used to redeem miles

Fuel rebate

0.3% fuel rebate
  • Exchange 16,870 Rewards points for CaltexStar Card or Petron fuel E-card worth P1,000

Mileage

P100 spent = 1 mile
  • 5 Rewards Points are equivalent to 1 Mile, minimum Redemption is 2,000 Air Mile

Shopping

P20 spent = 1 point
  • Accumulate poitns as you spend and redeem points for exciting choices of rewards from rewards catalogueue
  • Get free gifts, discounts, and great deals with M here! partner establishments

Transport Accident Insurance/ Travel Insurance

AXA credit protect and ACCI Shield, Receieve P 1million in personal accident with card protection insurance and P 2million in Card balance protector

Others

Cash2Go, Get fast cash against you credit limit
MTXT, Balance inquiry via text message
Desingmycard, Personalize your card

Reviews of Metrobank Gold Visa

User Review : 9Reviews

Design 3.1
Fees & Charges 2.1
Customer service 2.0
Features 1.9
Total 2.3

Krista Nicerio

Very pleasant ang experience ko dito...

Marami akong nababasang mga galit at unsatisfied na mga reviews tungkol sa card na ito. Pero very pleasant naman ...Read more

  • Rating : 5.0
  • Date : Nov 26, 2019
  • Review by Krista Nicerio

Angel Tejada

Worst bank

Meron akong card na ito na Metrobank Gold Visa. Isa sila sa may worst customer service base sa experience ko. ...Read more

  • Rating : 1.0
  • Date : Oct 29, 2019
  • Review by Angel Tejada

Inah Belza

Bad

Ito na ata yung pinaka-worst na card na nagkaroon ako. Halos tatlong taon na kasi akong client nila at hanggang ...Read more

  • Rating : 1.0
  • Date : Sep 25, 2019
  • Review by Inah Belza

Forum of Metrobank Gold Visa

John Karlo Magbanua

more requirement

Bakit sa Metrobank mas maraming requirements na hingi sa ibang bank hndi naman, ganun din ba sainyo?

  • Last updated : Oct 27, 2019
  • Posted by John Karlo Magbanua
  • Replies of This topic : 0 Replies

Kris Lianne Baguinon

Just want to ask..

Ask lang po if there is a possibility na within a month lang din po babayaran nagastos mo ng isang bwan?

  • Last updated : Oct 7, 2019
  • Posted by Kris Lianne Baguinon
  • Replies of This topic : 5 Replies

Martinia's Corner

annual fees??

lahat ba ng credit cardz may annual fee? bakit napakalaki naman ng charge nila? first time ko kasi kaya nagulat ako sa charge sa bill.

  • Last updated : Jul 8, 2019
  • Posted by Martinia's Corner
  • Replies of This topic : 4 Replies

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Information

Reviews

Forum

Overall Rating

Design 3.1
Fees & Charges 2.1
Customer service 2.0
Features 1.9
Total 2.3

Please feel free to post your review on this product.

Write a Review

Krista Nicerio

  • Review by Krista Nicerio
  • Nov 26, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Very pleasant ang experience ko dito...

Marami akong nababasang mga galit at unsatisfied na mga reviews tungkol sa card na ito. Pero very pleasant naman ang naging experience ko sa card na ito. Ilang taon ko nang ginagamit ang credit card na ito at yung mga customer service representative nila ay very considerate sa mga kailangan ng mga card members. Nagustuhan ko yung pagiging exclusivity nitong card na ito. Kaya naman ito pa rin ang gagamitin kong card. Sana ay huwag din kayong magbago ng serbisyo nyo.

Good Review

Angel Tejada

  • Review by Angel Tejada
  • Oct 29, 2019
Design 1.0
Fees & Charges 1.0
Customer service 1.0
Features 1.0
Total 1.0

Worst bank

Meron akong card na ito na Metrobank Gold Visa. Isa sila sa may worst customer service base sa experience ko. Hindi man lang makatulong sa issue na sinasabi ko. Last month, nung chineck ko ang statement of account, nag deduct sila ng certain amount at nung pumunta ako para itanong ay ang sabi nila dahil daw sa late fees. Ang due date ko ay every 20th ng buwan at kahit na walang reconfirming o bill payment, nagde-deduct kaagad sila sa balance.

Good Review

Inah Belza

  • Review by Inah Belza
  • Sep 25, 2019
Design 1.0
Fees & Charges 1.0
Customer service 1.0
Features 1.0
Total 1.0

Bad

Ito na ata yung pinaka-worst na card na nagkaroon ako. Halos tatlong taon na kasi akong client nila at hanggang ngayon ay parang isang buwan pa lang ako kung i-trato nila. Binawasan pa nila ang credit limit ko nang hindi sinasabi kung anong dahilan kaya naman ang laki ng impact nito sa credit score ko. Hindi naman ako pumalya ng pagbabayad sa kanila. Sobrang rude pa nila pag tinatanong. So bad...

Good Review

Maricris Tan

  • Review by Maricris Tan
  • Aug 15, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 4.0
Total 4.8

It's a great card!

Thankful ako at na-approve ako sa card na ito at nagkaroon agad ako ng credit increase after ng anim na buwan. Sobrang grateful ako sa bank na ito dahil nakakatulong ng malaki ang card na ito kapag kinakapos ako. Nagagamit ko ito specially kapag sa mga groceries at sa medicine ng parents ko kapag na out of cash ako. Very satisfied naman ako sa service nila since palagi silang nag-no-notify sa akin kapag kinakailangan. Truly helpful para sa tulad ko.

Good Review

Crysta Domingo

  • Review by Crysta Domingo
  • Jul 29, 2019
Design 3.0
Fees & Charges 1.0
Customer service 1.0
Features 1.0
Total 1.5

Really disappointed!

Apat na taon na wala akong late payment at wala ding nami-miss na payment. Kaya lang, hindi ko maintindindihan kung bakit nagkaroon ng reduction sa credit limit ko kaya talagang na-hurt ang credit score ko from 30 thousand pesos to 10 thousand pesos. I don't know kung ano ang kanilang basis kung bakit nila binabaan ang credit limit ko dahil nung tinatanong ko naman ay wala namang matinong isinasagot sa akin. Okay sana ang lahat other than this issue at sobrang nakaka-disappoint lang talaga.

Good Review

Faith Jannah

  • Review by Faith Jannah
  • Jun 17, 2019
Design 3.0
Fees & Charges 1.0
Customer service 1.0
Features 1.0
Total 1.5

Cash advance daw?

Yung pinaka worst experience ko sa credit card company na ito ay nung siningil nila ako ng cash advance fees sa bill ko kahit na hindi ako nagkakaroon ng cash advance maski isang beses, Yung chinarge nila sa pag purchase ko ay cash advance fee that's why ang laki ng interes. Tinawagan ko sila para ipaliwanag na binili ko yuon at walang cash na involve pero hindi nila ito inayos. Kaya naman nung mabayaran ko na ang balanse ko ay ikinlose ko na kaagad-agad ang account ko sa kanila.

Good Review

Maribeth de Lara

  • Review by Maribeth de Lara
  • May 21, 2019
Design 3.0
Fees & Charges 1.0
Customer service 1.0
Features 1.0
Total 1.5

Disappointed customer here

Meron akong Metrobank Gold Visa na card at hindi ako nagkakaroon ng late payments o kaya ay napapaktawan ang pagbabayad nito. Malaki pa ang credit limit ko dito at nabayaran ko na rin nang buo yung maliit na balance ko sa card. Pero nung isang beses na nag purchase ako ng refrigerator, na-deny ang credit card ko. Habang nasa mall pa ako, tumawag ako sa customer service ng Metrobank. Sinabi nila sa akin na after kong mabayaran ang balance ko, ni-review nila ang credit ko at binabaan ang credit limit ko. Ginawa nila ito nang wala man lang abiso sa akin kaya sobrang na-disappoint ako. :-(

Good Review

Melay DelosReyes

  • Review by Melay DelosReyes
  • Feb 15, 2019
Design 4.0
Fees & Charges 1.0
Customer service 2.0
Features 2.0
Total 2.3

May condition pa bago i-wave ang annual fee

Talagang in contrast ang card na ito sa current card ko sa HSBC. Yon kasing request ko palagi na mai-wave ang annual fee ng card ko sa HSBC ay palagi nilang gina-grant nang walang kondisyon. Pero dito sa Metrobank, kailangan ko pang gumastos ng certain amount sa na pasok sa month kung kelan ako magre-request na mai-wave ang annual fee ng card ko at kahit na naka-charge na sila nang marami sa akin sa nakalipas na mga buwan. At saka hindi rin wini-waive ng Metrobank ang annual fee ng mga supplementary cards. Kaya nga di ko na ni-renew ang card na ito pero last time ay nag-offer na naman sila ng credit card sa akin at kahit hindi ko sila nakakausap ay pinadala lang sa address ko. Pero never ko itong ini-activate,

Good Review

Shana May Araba

  • Review by Shana May Araba
  • Nov 21, 2018
Design 3.0
Fees & Charges 3.0
Customer service 1.0
Features 1.0
Total 2.0

Sobrang horrible ng service...

Isa sa pinaka-worst experience ko sa bank ay itong sa Metrobank Gold Visa and promo. Nag-start akong gumamit nito last October at hindi pa nag-iisang buwan ay na-block na agad ang account ko dahil may natanggap daw na wire transfer sa karoom mate ko na nagsasabing suspicious at kailangan pa nilang i-review ito. Dinala ko ang copy ng transfer sa branch nila at pinadala ko rin thru email. At hanggang ngayon ay sinasabi nila na under review ito kaya naman nawalan ako ng access dito. Kaya sa may balak kumuha ng card ng Metrobank, stay away from them.

Good Review

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Information

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Forum

Please feel free to post your questions on this product.

Start a new topic

more requirement

John Karlo Magbanua

  • John Karlo Magbanua
  • Oct 27, 2019

Bakit sa Metrobank mas maraming requirements na hingi sa ibang bank hndi naman, ganun din ba sainyo?

Reply

Just want to ask..

Kris Lianne Baguinon

  • Kris Lianne Baguinon
  • Jul 9, 2019

Ask lang po if there is a possibility na within a month lang din po babayaran nagastos mo ng isang bwan?

Kris Lianne Baguinon

  • Kris Lianne Baguinon
  • Jul 9, 2019

For example po, nagpurchase po ako ng groceries amounting to 10,000 ngayong araw (7/9/19) babayaran ko rin po ba within 30 days po?

Yousef

  • Yousef
  • Jul 11, 2019

depende po sa cycle ng card niyo may cut off po yan, so kung bumili kayo ngayon tapos ang cut off eh bukas after 15days po ata ang bilang ng due date hindi ako sigurado pro parang ganun po siya, so may cycle process po makikita niyo sa billing statement niyo yun kung wala tawag po kayo customer service ng metrobank medyo matanggal lang talaga laging busy ang phone nila

Good Answer

Audrey Medina

  • Audrey Medina
  • Aug 3, 2019

Mas okay talaga na mabayaran mo ito bago umabot sa cut off, para walang interest ang babayaran mo sa card mo. Ako kasi talagang ginagamit ko lang ang card ko pang emergency kasi minsan late ang sahod o kaya nagkaka problema sa banko kaya no choice kailangan ko gamitin talaga ang credit card ko kaya after nun babayaran ko din ito kagaad.

Good Answer

Chad Ravasco

  • Chad Ravasco
  • Aug 4, 2019

Depende talaga yan syempre kung may pangbayad okay talag para hindi kayo mag ka interest pero tama din ang sabi ni Yousef depend din sa cycle ng card niyo kasi baka within 15 days lang eh next cycle na so wala pang isang buwan pwede kana magka interest sa dapat alam niyo kelan ang cut off ng cards niyo kasi importante talaga yun

Good Answer

John Karlo Magbanua

  • John Karlo Magbanua
  • Oct 7, 2019

basta mabayaran mo agad okay yun para walang interest charge

Good Answer

Reply

annual fees??

Martinia's Corner

  • Martinia's Corner
  • Nov 8, 2018

lahat ba ng credit cardz may annual fee? bakit napakalaki naman ng charge nila? first time ko kasi kaya nagulat ako sa charge sa bill.

jany

  • jany
  • Feb 4, 2019

Yes jan kumikita ang mga banko sa annual fees at interest nila kaya walang card na walang annual fee for sure lahat meron, yun lang yung iba mababa lang may ibang banko lang talaga na malaki ang charge ng annual fees. kapag nag search kanaman makikita mo isa isa at ma compare mo din yung iba ibang fees nito.

Good Answer

lucia monte

  • lucia monte
  • Mar 8, 2019

That's true, may annual fees, charges and also interest na pparang source of profit nila, and sa nagbibigay yata yan sila ng annual fees if overdue na yong balance na di mo nababayaran siguro. di ka naman magkakaroon ng ganyan kalaking halga if consistent kang nagbabayad sa banko. the point is kailangan kang maging consistent and then kailangan mong pahalagahan yong pera na hawako mo kasi if credit card ka pera kasi yan ng banko and dapat know your main responsibility as a customers. kasi mas pagkakatiwalaan mo pa ang banko kesa sa others.

Good Answer

Daleen Rose

  • Daleen Rose
  • Jun 17, 2019

hindi lahat, may iba free ang annual free, just forgot the name ng banko na yun, pero dati pa yun baka iba na ngayon

Good Answer

Laureen Kim

  • Laureen Kim
  • Jul 8, 2019

mas okay ung mag check ka din sa ibang bank para makita mo ang difference ng mag annual fees, kasi malaki nga ang charge nila

Good Answer

Reply

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