#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.
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First Card / Entry·UnionBank
Replaces incorrect 'Simplicity' stub. Issuer U Visa Platinum — fee-free; rewards not the pitch.
Age 21–65 · From ₱15,000/mo income · Unsecured
Key Benefits
All 7 benefits →All spends
No cashback earn
Fee-free-for-life starter card — the value is the ₱0 annual fee, not rewards
Annual fee
฿0
Lifetime free
All spends
No
cashback earn — Fee-free-for-life starter card — the value is the ₱0 annual fee, not rewards
Annual fee
Free
No annual fee for life (issuer — no call/request needed)
High annual fee — may not pay off at moderate spend
At ₱35,000/mo, net value is -₱635/yr after the ₱0 annual fee. At modeled spend levels, rewards alone may not cover the fee — this card is for lounge, travel, and lifestyle perks more than raw cashback math.
Model your spends in the calculator →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: 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)
All spends
Fee-free-for-life starter card — the value is the ₱0 annual fee, not rewards
No cashback earn
Forex markup
3.53%
Based on moderate spend for this market
Est. net annual
-₱635
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 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 -₱635/year. Use the calculator above to model your own spends.
₱15,000/month for salaried applicants (indicative — bank decides).
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Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.