How to pay your Metrobank credit card bill online and offline (2026)

Need to pay your Metrobank credit card bill? You can settle your payment through the Metrobank app, Metrobank Online, GCash, ATMs, branches, partner banks, BancNet and selected payment centers.¹

This guide explains where to pay your Metrobank credit card, how online and in-person payment channels work, and which options may post fastest.

If you’re paying from overseas or converting money to Philippine pesos first, we’ll also look at how Wise can help before you pay through one of Metrobank’s available payment channels.

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What you need before paying your Metrobank credit card

Before paying, check your latest Metrobank credit card statement or app details.

You’ll usually need your:

• Metrobank credit card details
• payment amount
• payment due date
• access to your chosen payment method, such as Metrobank Online, the Metrobank app, GCash, a partner bank, ATM or payment center

If your due date is close, check how fast your chosen payment channel posts before confirming the payment.

Ways to pay your Metrobank credit card bill

Here are the main Metrobank credit card payment channels:

Metrobank says depositors can pay through the Metrobank Mobile Banking App, Metrobank Online, Metrobank ATMs, Metrobank branches and Automatic Debit Arrangement.

If you don’t have a Metrobank deposit account, Metrobank also lists partner options such as GCash, partner bank apps, BancNet Online, BancNet ATMs, CLiQQ and authorized payment centers.

How to pay using the Metrobank app or Metrobank Online

If you have a Metrobank deposit account, you can pay your Metrobank credit card through the Metrobank app or Metrobank Online.

For the Metrobank app, Metrobank says you can use your Metrobank deposit account and select your Metrobank credit card as the biller.

The general process is:

1. Log in to the Metrobank app
2. Go to bills payment
3. Choose your Metrobank deposit account as the source account
4. Select your Metrobank credit card as the biller
5. Enter the payment amount
6. Review the details
7. Confirm the payment

You can also pay through Metrobank Online. Metrobank says users can enroll their Metrobank deposit account for faster online bills payment.

Before confirming, check that your card details, biller and amount are correct.

How to pay Metrobank credit card using GCash

You can also pay Metrobank credit card bills through GCash.

Metrobank lists GCash as a payment channel and says users should select their Metrobank credit card as the biller.

Here’s the general GCash bills payment flow:

1. Open the GCash app
2. Tap Bills
3. Select the relevant biller category
4. Choose the Metrobank credit card biller
5. Enter the required details
6. Tap Next
7. Review and confirm the transaction
8. Wait for the confirmation in your app inbox and email³

GCash says bill payment fees and posting times can vary by biller, so check the details before confirming your payment.⁴

How to pay through partner banks and BancNet

If you don’t have a Metrobank deposit account, you may be able to pay through selected partner banks and BancNet channels.

Metrobank lists Security Bank Online and Mobile App, RCBC Online and Mobile App, PSBank Online and Mobile App, GoTyme and BancNet Online as payment channel partners.

The exact steps depend on the bank or app, but the general process is usually similar:

1. Log in to your bank or payment app
2. Go to bills payment
3. Choose Metrobank credit card as the biller
4. Enter your card and payment details
5. Review the transaction
6. Confirm the payment
7. Keep the confirmation until the payment appears on your account

If you’re using a bank app that is not listed by Metrobank, check whether Metrobank credit card is available as a biller before making a payment.

How to pay at ATMs, branches and payment centers

You can also pay your Metrobank credit card bill in person or through self-service machines.

Metrobank says cardholders can pay through Metrobank ATMs and BancNet ATMs. You can also pay at a CLiQQ kiosk in any 7-Eleven store.

For over-the-counter payments, Metrobank branches accept cash and check payments. Metrobank also lists authorized payment centers and partner branches, including SM Stores and supermarkets, Bayad Center, PSBank branches, Security Bank branches, select Robinsons Department Stores, RCBC branches and ECPay partners.

Keep your receipt or transaction confirmation until the payment reflects on your credit card account.

Which Metrobank credit card payment channels post fastest?

Metrobank credit card payment posting depends on the channel you use.

Metrobank’s LifeBanking guide says Metrobank App, Metrobank Online and Metrobank ATMs may show payments right away.

Most e-wallets and partner bank channels may post the same day, while over-the-counter payments made after banking hours may post the next business day.

Metrobank also says it considers the transaction date of your payment, even if posting takes some time. Keep your confirmation details and receipts until the payment appears on your account.

If your due date is close, choose a Metrobank-owned digital channel where possible, and check the payment confirmation before treating the bill as settled.

Can you set up automatic Metrobank credit card payments?

Yes. Metrobank lists Automatic Debit Arrangement as one of its credit card payment options.

With Automatic Debit Arrangement, your credit card payment can be made automatically from your Metrobank deposit account. Metrobank says cardholders can visit any Metrobank branch to enroll.

This can help reduce the risk of missing a due date. Just make sure your nominated account has enough funds before your payment is due.

Paying your Metrobank credit card from overseas

If you’re abroad, paying a Philippine credit card bill can take a little more planning. You’ll still need to use one of Metrobank’s available payment channels, such as Metrobank Online, the Metrobank app, GCash, BancNet, partner bank apps or another local channel.

If you earn, hold or receive money overseas, you may need to convert funds to Philippine pesos before paying your Metrobank credit card bill.

Once your money is in PHP, you can pay your Metrobank credit card through one of Metrobank’s available payment channels.

Paying your Metrobank credit card from abroad? Convert money to Philippine pesos with Wise

The Wise account is an easy way to hold and exchange 40+ currencies, including PHP, USD, CNY, and more. All you need to do is create a free account to get started.

With Wise, you can exchange currencies at the mid-market rate each time, with low, transparent conversion fees from 0.57% and absolutely no markups. Plus, you can order a Wise card for convenient spending at the same great rate, without any foreign transaction fees.

In supported countries, you can also use Wise to pay with QR codes, which means you can pay like a local without needing cash or a separate local wallet. This can be especially handy when you're travelling in places where QR payments are widely accepted.

At times you need cash, you can also make up to 2 free ATM withdrawals to the value of 12,000 PHP when you're overseas. You'll even get 8+ local account details to get paid conveniently to your Wise account in PHP and a selection of other major global currencies.

Sending money or making payments abroad? Wise also offers fast, low cost transfers to 140+ countries - you can track your transfer in your account and your recipient will also be notified when a transfer reaches them.

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Frequently asked questions

Where can I pay my Metrobank credit card bill?

You can pay your Metrobank credit card bill through the Metrobank app, Metrobank Online, Metrobank ATMs, Metrobank branches, Automatic Debit Arrangement, GCash, selected partner bank apps, BancNet, CLiQQ and authorized payment centers.

How do I pay my Metrobank credit card using GCash?

Open GCash, tap Bills, choose the relevant biller category, select the Metrobank credit card biller, enter the required details, review the transaction and confirm the payment. Keep the confirmation until the payment appears on your account.

Can I pay my Metrobank credit card online?

Yes. Metrobank lists Metrobank Mobile Banking App, Metrobank Online, selected partner bank apps and BancNet Online as payment channels for Metrobank credit card bills.

How long does Metrobank credit card payment posting take?

Posting depends on the payment channel. Metrobank’s LifeBanking guide says Metrobank App, Metrobank Online and Metrobank ATMs may show right away. Most e-wallets and partner bank channels may post the same day, while over-the-counter payments made after banking hours may post the next business day.

Can I pay my Metrobank credit card using BPI or BDO?

Check your BPI, BDO or other bank app to see whether Metrobank credit card is available as a biller. Metrobank’s official page lists selected partner bank apps and BancNet Online, but availability can vary by bank or channel.

Can I pay my Metrobank credit card from abroad?

Yes, but you’ll need to use one of Metrobank’s available payment channels. If your money is in another currency, Wise can help you convert or send money to PHP first, but Wise should not be treated as a direct Metrobank credit card payment channel.

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Sources:

1. Metrobank - Pay Metrobank credit card bills easily
2. Metrobank - All your credit card payment options, explained
3. GCash Help Center - How to pay bills
4. GCash Help Center - Bills payment fees