Get your virtual credit card details in as fast as 48 hours from approval through secure digital channels and use it right away for online purchases. No need to wait for a physical credit card delivery!


  • Card Activation: Upon receipt of the complete card details, simply click here to activate your card online.
  • Interactive Assistance: Check your balance, redeem rewards, and get help for your credit card concerns through Metrobank Interactive Assistance (MIA) on Facebook Messenger.
  • MSOA: Your Metrobank ON Virtual is automatically enrolled to MSOA so you can get your statements on time via email. No need to wait for paper Statement of Account deliveries!


Get automatic worldwide insurance for online item purchases with E-Commerce Protection. Get coverage for losses such as incomplete or wrong item delivered, defect or damage in delivery, and non-delivery of online goods purchase. To file a claim, simply go to https://ph.mycardbenefits.com.


Earn 1 point for every Php20.00 spend using your Metrobank ON Virtual Mastercard. Use your points to redeem GrabPay credits, Globe/Smart prepaid load, Shopee and Lazada vouchers, other premium items or airmiles. Learn more about our rewards program from our rewards catalog.

Table of Fees and Rates

These fees and rates are for services or facilities made available to the cardholder and for the maintenance and administration of any balance or transaction on the card. These are the applicable fees and rates as of June 1, 2021.


Get discounts, free gifts and great deals with your Metrobank card at our M Here partner establishments.


Avail of the 0% installment program from Metrobank-accredited online merchants. Use the installment facility to pay for big ticket items like appliances, gadgets, travel fare and accommodations at 3, 6, 9, 12, 18 and 24 monthly installment terms.

Value added services

  • Bills2Pay: Pay for your utilities with ease through your Metrobank ON Virtual Mastercard. Find out more.
  • MTXT – Balance inquiry via text message: Convenience made even easier. Check your credit balance using your mobile phone through MTXT. Find out more
  • Payment Channels: You can now pay your credit card bill safely and conveniently from these payment channels. Click here for details.
  • M Connect: Metrobank – Cards and Personal Credit is proud to be the first in the Philippine banking industry to introduce M Connect, an innovative and automated voice, text, and email payment verification service that helps us connect better with you.Click here for details.

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