How to activate Metrobank credit card
Activating your Metrobank credit card is the essential final step before you can use it. Knowing how to activate Metrobank credit card helps ensure security and instant usability.
In the Philippines, the process offers a variety of convenient channels—from your mobile app to a simple text message.
All cards arrive inactive, and only activation verifies that the card reached the correct owner. The process protects you and the bank.
Below, you’ll discover reliable methods to activate your card with clarity and confidence.
Use the Metrobank App for swift activation
Activating via the Metrobank App is one of the fastest and most secure methods. To get started:
Before you begin, make sure you have the physical card ready and your 6‑digit app passcode at hand.
This method works whether you’re a new or existing user. It also applies to renewed, replaced, or supplementary cards, activated by the primary cardholder.
Activate through SMS for quick convenience
If you prefer using your phone’s messaging app, Metrobank supports card activation via SMS:
Ready your 16‑digit card number and follow these steps:
- Open a new SMS
- Type ACT followed by a space and your 16‑digit card number
- Send it to 225622
You’ll receive a confirmation message once the activation completes.
This method is ideal when you want a fast, offline-friendly option without opening apps.
Activate using the hotline with IVRS
Metrobank provides a hotline that runs an interactive voice response system (IVRS) to guide you through the activation process:
- Dial (02) 88‑603‑030
- Follow the voice prompts using your card details
- Wait for confirmation of activation
All Metrobank credit cards are delivered inactive as a security practice regulated by the central bank, so this step is mandatory.
This option is especially helpful if you’re not near your smartphone or prefer verbal guidance.
Activate online via the activation portal
Metrobank also offers a web-based method through their activation portal:
Visit mbcpc.co/ActivateNow, then enter your card details as required.
This channel is practical when you’re using a computer or prefer not to switch to the mobile app.
Completing activation online gives you flexibility outside of app-based or phone call options.
Why activating your card matters
Activation is not merely procedural; it carries significant importance:
- It confirms that the card has reached the rightful holder
- It protects your account from unauthorized use
- It enables card functionality immediately after confirmation
Inactive cards cannot process transactions. Activating promptly ensures full access to your account.
Skipping this step, even unintentionally, prevents your card from being used—even when coverage and limits are in place.
What to expect after activation
Once your card is successfully activated, a confirmation message typically arrives—via SMS, call, or app notification.
Activation happens instantly through digital channels, and your card becomes ready for use right away.
If automated messages or calls fail, don’t worry. Metrobank continues reminders across multiple touchpoints until activation completes.
Upon confirmation, you can start using your card for purchases, both online and in stores.
Safe activation tips to keep in mind
Activation is simple, but you should still maintain caution:
Ensure you’re using official channels like the Metrobank app, verified SMS codes, the hotline number, or the official web portal.
Beware of phishing attempts—Metrobank never asks for OTPs or full card numbers via email.
If you encounter issues, call Metrobank’s Customer Service at (02) 88‑700‑700 or the domestic toll-free 1‑800‑1888‑5775 for assistance.
A safe activation sets you up for worry-free usage and protection of your credit.
Activate Securely, Use Confidently
Understanding how to activate Metrobank credit card equips you with both convenience and security.
Whether you use the app, SMS, hotline, or web portal, each option supports straightforward activation.
Choosing the method that fits your context ensures you avoid delays and stay protected.
Cards arrive inactive by design. Your prompt activation signals responsible ownership and unlocks access instantly.
Act deliberately, using official channels, and soon you’ll enjoy your card’s full benefits—secure, seamless, and ready when you are.
Frequently Asked Questions
- Can I activate a Metrobank credit card via SMS?
Yes. Send “ACT {16-digit card number}” to 225622, and wait for the confirmation message. - Is activation required before using my Metrobank credit card?
Yes. Activation is mandatory for security and transaction authorization. - How do I activate using the Metrobank App?
Enroll your card in the app, then tap “Activate Card” and confirm with your 6-digit passcode. - What if I don’t receive confirmation after activation?
Metrobank sends reminders through SMS, calls, and email—if not confirmed, contact customer service via hotline. - Can the hotline IVRS guide me through activation?
Yes. Call (02) 88‑603‑030 and follow the automated system to complete activation.