How To Get A Metrobank M Lite Mastercard Credit Card

Are you a smart spender and simply need a credit card to help manage your cash flow better? Are you looking for an entry-level card with advanced features that you can use for daily purchases?

The Metrobank M Lite Credit Card is one to look into for exactly these reasons. This card comes with a range of benefits, including low interest, rewards points and advanced security features.

Want to know how you can get started? Continue reading to find out the requirements and procedures to get a Metrobank M Lite Mastercard Credit Card online.

How To Get A Metrobank M Lite Mastercard Credit Card

Metrobank M Lite Mastercard Credit Card Features and Benefits

The Metrobank M Lite Mastercard Credit Card targets average income earners who want to make convenient financial transactions and online purchases.


This card has a low interest rate and does not charge an annual fee. These features will provide you with more spending power.

As you use the Metrobank M Lite Mastercard Credit Card, you can earn points that you can convert to discounts and other perks. As a cardholder, you can also get exclusive gifts and deals if you purchase at the bank’s partner establishments in the Philippines and abroad.

This card is also equipped with advanced security features, including EMV chip and PIN encryption to prevent fraud and unauthorized use. It also allows you to make contactless payments at various local and overseas merchants. This feature will give you a more comfortable shopping experience.

How to Apply for the Metrobank M Lite Mastercard Credit Card

To apply for this card, you should be at least 21 years old. You must also present a government-issued ID and proof of income indicating that you are earning a monthly income of at least 16,700.

You can simply apply for Metrobank M Lite Mastercard Credit Card on the bank’s website or at a Metrobank branch.   

If your application is approved, Metrobank will offer you a credit limit of around P15,000. This figure may be higher or lower depending on different factors, such as your credit score, credit history, and financial condition. 

Metrobank M Lite Mastercard Credit Card Interest Rates and Charges

  • Annual Fee – Perpetually waived
  • Interest Rate – 2.49% monthly
  • Cash Advance Fee – P600 or 3% of the amount of cash advance
  • Late Payment Fee – P850 or the unpaid minimum amount due, whichever is lower
  • Over Limit Fee – P750 for every occurrence

Metrobank Address and Contact

The MCC Center
6778 Ayala Avenue
Makati City
Customer Service: (632) 8700-700
Domestic Toll Free: 1-800-1888-5775


In general, becoming a Metrobank M Lite Mastercard Credit Card holder will give you greater spending power than other cards because of its low-interest rate and more affordable fees. This card is ideal for the day-to-day purchases of low-to-moderate income earners because of its very affordable fees.

On the flip side, the Metrobank M Lite Mastercard Credit Card has limited features to enjoy compared to premium cards. If you are a frequent traveler and spender, this card may not satisfy your need for a generous point and reward system on your local and overseas spend.

If you’ve decided this card is for you, visit the Metrobank website to start your application.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.