What are you looking for today?
- Transfer balances from other cards and enjoy low interest rates starting at 1% per month
- 0% installment programs
- No Annual fee for life Convert your credit limit to cash with Cash2Go
- Get discounts or free gifts from Metrobank's partner merchants
Eligibility
Required Documents
- Regular Employee: copy of the latest ITR duly stamped as received by the BIR or bank/copy of BIR Form 2316 signed by employer, or copy of last 3 months' payslip
- Existing Credit Cardholders with Other Bank: Latest Billing Statement with at least 9 months as a principal cardholder
- Active mobile number
- Must be a principal cardholder with another bank for at least 9 months with a credit limit of at least ₱25,000
- At least 6 months employed as a regular employee
Fees
Interest
Limits
Payment and Receiving Methods
Payment and Receiving Methods
Payment and Receiving Methods
Supported Payment Methods
Receiving Methods
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With no yearly fees for life, the Metrobank M Free Card provides unparalleled value. It is ideal for anyone wishing to take charge of their money while reducing spending to a minimum. It is made for people who wish to benefit from a credit card without incurring additional fees.
This card, which has no issue cost and is available to everyone with a minimum yearly income of ₱867,000, is affordable and easily accessible. It is the best option for both regular spending and unexpected financial needs because of its high withdrawal limit, which guarantees that you will always have access to your money.
The Metrobank M Free Card is unique since it offers a variable age requirement that may accommodate people as young as 18 and as old as 70, along with lifetime freedom from annual fees. It's a simple, uncomplicated credit card that puts functionality and use first.
With the Metrobank M Free Card, you can take control of your spending and enjoy financial flexibility free from ongoing fees.
BPI Signature Card
- Earn 2 BPI points for every ₱20 spend
- Get up to ₱20 million free travel accident and inconvenience benefit
- Enjoy complimentary access for you and one guest at PAGSS international lounges in NAIA 1 and NAIA 3
- Get exclusive 50% off deals on dining, hotels, resorts, fitness studios, and wellness centers, all year round
- Ideal for frequent travelers
UnionBank Cash Back Visa Platinum Credit Card
- Earn up to 6% never-expiring cash back on groceries
- Earn up to 2% never-expiring cash back on Meralco bill payments
- Earn up to 0.20% never-expiring cash back on all other purchases
- Save us much as ₱15,000 per year
- Ideal for individuals looking to maximize savings on everyday essentials
RCBC Visa Platinum
- Earn one Preferred Air Mile for as low as ₱25 per spend
- Convert your AIRMILES into mileage point at 1:1 rate
- Access to world-class airport lounge
- Up to ₱5 Million Travel Insurance Coverage and other travel benefits
- Up to 100% temporary increase in credit limit during travel period
- Ideal for frequent travelers
Frequently asked questions
The Metrobank M Free Card is designed for individuals who want to enjoy a no-annual-fee credit card with essential benefits and flexible payment options.
Key Features:
No Annual Fee: Enjoy a zero annual fee for the lifetime of the card, making it a great option for cost-conscious consumers.
Cashback Rewards: Earn 1% cashback on grocery, dining, and utility payments (subject to terms and conditions).
Global Acceptance: The card is accepted worldwide wherever Mastercard is accepted, ensuring convenience for local and international purchases.
Easy Payment Options: Access flexible payment options, including easy installments for large purchases.
This card is ideal for individuals who want a simple, low-cost card with cashback benefits and global usability.
The Metrobank M Free Card offers straightforward cashback rewards for everyday spending:
Earning Cashback:
1% cashback on qualifying purchases, including groceries, dining, and utilities.
The cashback is credited as statement credit on your account, reducing your outstanding balance.
Redemption Process:
The cashback is automatically credited to your next billing statement, offering a hassle-free redemption experience.
There is no need to accumulate points or manually redeem rewards—everything is done automatically.
Note: Cashback is subject to specific conditions, including a maximum monthly cashback limit, so always review your statement to track your rewards.
To apply for the Metrobank M Free Card, you must meet the following criteria:
Age: At least 21 years old.
Income: Minimum annual income of ₱180,000.
Residency: Filipino citizen or resident foreigner with a valid Philippine address.
Required Documents:
A valid government-issued ID (e.g., passport, driver’s license).
Proof of income (e.g., payslips, ITR, Certificate of Employment).
Proof of residence (e.g., utility bills, bank statements).
The card is perfect for individuals who want a straightforward credit card with no annual fee and solid rewards, provided they meet the minimum income requirements.
The Metrobank M Free Card is designed to keep costs minimal:
Annual Fee: ₱0 (for the lifetime of the card).
Supplementary Card Fee: ₱0 (for the lifetime of the supplementary card).
Late Payment Fee: ₱750 or the unpaid minimum amount due, whichever is lower.
Cash Advance Fee: ₱300 or 3% of the amount withdrawn, whichever is higher.
Foreign Transaction Fee: 2.5% of the converted transaction amount.
This card’s zero annual fee makes it an attractive option for consumers who want to avoid additional costs while enjoying cashback benefits.
The Metrobank M Free Card comes with a few additional perks to enhance your experience:
Purchase Protection: Coverage against theft, accidental damage, or loss of eligible purchases made with the card.
Flexible Installment Plans: Convert larger purchases into affordable monthly installments with low interest rates.
Global Emergency Assistance: 24/7 emergency services, including card replacement, emergency cash, and travel support, for global cardholders.
Exclusive Offers: Special discounts and promotions from Metrobank’s partner merchants in various categories like dining, shopping, and entertainment.
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