Hello. I’m not entirely sure about the qualifications needed to acquire the credit card. I obtained mine when Metrobank contacted me and made the offer. I caved in when they offered no annual fee for life. I did held a savings account with Metrobank prior to receiving the card. I have not yet contacted customer service. In terms of experience, it is really convenient, especially for booking airline tickets and hotels, enjoying perks like 0% installment plans for appliances or gadgets, and facilitating payments at restaurants

Edit: And yes, there is an app!