#1-₱635/yr
UnionBank U Visa Platinum
No cashback earn · First Card / Entry
Best net value on this list — about -₱635/yr in your pocket after fees on typical spends.
Loading…
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 6 benefits →All spends
0.2% cashback (modeled)
Conservative estimate until Metrobank's points table is coded
Annual fee
฿0
Lifetime free
All spends
0.2%
cashback (modeled) — Conservative estimate until Metrobank's points table is coded
Annual fee
Free
No annual fee for life (issuer product page)
Zero sales calls. Ever.
Caps & exclusions verified · 2026-07-30
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
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
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).
.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.