Side-by-side · honest numbers
BDO American Express Cashback vs Metrobank M Free Mastercard
Honest side-by-side comparison of BDO American Express Cashback, Metrobank M Free Mastercard — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
BDO American Express Cashback
BDO
Metrobank M Free Mastercard
Metrobank
Your adjusted comparison
| Feature | BDO American Express Cashback BDO | Metrobank M Free Mastercard Metrobank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱3,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₱35,000/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱930/yr | ₱390/yr |
| Top reward rate | 2% cashback | 0.2% cashback (modeled) |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Key exclusions | Not stated | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/ph/en/compare/bdo-cashback-amex-vs-metrobank-m-freeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, BDO American Express Cashback leads Metrobank M Free Mastercard by about ₱540/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₱35,000/mo
₱35,000/month total spend — typical Philippines user
Groceries ₱8,000 · Online ₱7,000 · Dining ₱5,000 · Fuel ₱4,000 · Bills ₱3,500
| Feature | BDO American Express Cashback BDO | Metrobank M Free Mastercard Metrobank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱3,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₱35,000/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱930/yr | ₱390/yr |
| Top reward rate | 2% cashback | 0.2% cashback (modeled) |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Key exclusions | Not stated | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Metrobank M Free Mastercard has a ₱0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- BDO American Express Cashback leads with an estimated ₱930/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Metrobank M Free Mastercard lists a minimum monthly income of ₱15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More BDO American Express Cashback comparisons
- BDO American Express Cashback vs BPI Amore Cashback
- BDO American Express Cashback vs HSBC Live+ Credit Card
- BDO American Express Cashback vs Metrobank Cashback Visa
- BDO American Express Cashback vs Metrobank Travel Platinum Visa
- BDO American Express Cashback vs Petron BPI Card
- BDO American Express Cashback vs RCBC Flex Gold Visa
- BDO American Express Cashback vs Security Bank Complete Cashback Platinum
- BDO American Express Cashback vs UnionBank Cash Back Visa Platinum
- BDO American Express Cashback vs UnionBank Shell Power Visa Platinum
- BDO American Express Cashback vs UnionBank U Visa Platinum