#1₱390/yr
Metrobank M Free Mastercard
0.2% cashback (modeled) · First Card / Entry
Best net value on this list — about ₱390/yr in your pocket after fees on typical spends.
First Card / Entry·UnionBank
Replaces incorrect 'Simplicity' stub. Issuer U Visa Platinum — fee-free; rewards not the pitch. 10% interest rebate if min due paid on time — not modeled as spend cashback.
Age 21–65 · From ₱15,000/mo income · Unsecured
Key Benefits
All 9 benefits →Spend cashback
None
Fee-free-for-life starter — value is ₱0 annual fee, not rewards
Interest rebate
10% of interest charges
When min due paid on/before due date
Fee structure
No annual / late / overlimit fees
Issuer U Visa Platinum family
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: UnionBank U Visa Platinum product page (fact-checked Jul 2026)
Low income threshold, easy approval
Source: UnionBank U Visa Platinum product page (fact-checked Jul 2026)
Spend cashback
Fee-free-for-life starter — value is ₱0 annual fee, not rewards
None
Interest rebate
When min due paid on/before due date
10% of interest charges
Example: ₱10,000/mo spend → ≈ ₱1,000/mo
Fee structure
Issuer U Visa Platinum family
No annual / late / overlimit fees
Forex markup
3.53%
Based on moderate spend for this market
Est. net annual
₱0
per year
Annual fee
Free
per year
Effective return
0.0%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 3.53% — tap for full fees
Joining fee
Lifetime free card
₱0
Annual / renewal fee
No renewal fee ever
₱0
Forex markup
3.53%
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
21–65 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 ₱0/year. After the ₱0 annual fee, net value is approximately ₱0/year. Use the calculator above to model your own spends.
₱15,000/month for salaried applicants (indicative — bank decides).
Not a rewards earner — no points or category cashback.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.