#1₱0/yr
UnionBank U Visa Platinum
None · First Card / Entry
Best net value on this list — about ₱0/yr in your pocket after fees on typical spends.
Age 18–70 · From ₱15,000/mo income · Unsecured
First Card / Entry·Metrobank
Issuer confirms no annual fee for life. Earn modeled at ~0.2% until Metrobank points table is coded.
Age 18–70 · From ₱15,000/mo income · Unsecured
Key Benefits
All 8 benefits →All spends
0.2% cashback (modeled)
Conservative estimate until Metrobank's points table is coded
Annual fee
None for life
Issuer product page
Installments
Standard Metrobank installment options
Annual fee
Free
Lifetime free
Zero sales calls. Ever.
Caps & exclusions verified · 2026-07-30
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Metrobank M Free Mastercard product page (fact-checked Jul 2026)
Low income threshold, easy approval
Source: Metrobank M Free Mastercard product page (fact-checked Jul 2026)
All spends
Conservative estimate until Metrobank's points table is coded
0.2% cashback (modeled)
Example: ₱10,000/mo spend → ≈ ₱20/mo
Annual fee
Issuer product page
None for life
Installments
Standard Metrobank installment options
Forex markup
2.5%
Based on moderate spend for this market
Est. net annual
₱390
per year
Annual fee
Free
per year
Effective return
0.1%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 2.5% — tap for full fees
Joining fee
Lifetime free card
₱0
Annual / renewal fee
No renewal fee ever
₱0
Forex markup
2.5%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
18–70 years · ₱15,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₱35,000/mo), gross rewards are about ₱840/year. After the ₱0 annual fee, net value is approximately ₱390/year. Use the calculator above to model your own spends.
₱15,000/month for salaried applicants (indicative — bank decides).
Not a high cashback card.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.