Side-by-side · honest numbers
HSBC Live+ Credit Card vs Metrobank M Free Mastercard
Honest side-by-side comparison of HSBC Live+ Credit Card, 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HSBC Live+ Credit Card
HSBC
Metrobank M Free Mastercard
Metrobank
Your adjusted comparison
| Feature | HSBC Live+ Credit Card HSBC | Metrobank M Free Mastercard Metrobank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱5,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₱33,334/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱7,174/yr | ₱390/yr |
| Online shopping | ₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo | — |
| Dining & delivery | ₱5,000 × 8% = ₱400/mo (₱4,800/yr) · issuer max ₱1,250/mo | — |
| Fuel | ₱4,000 × 3% = ₱120/mo (₱1,440/yr) · issuer max ₱600/mo | — |
| Travel | ₱3,000 × 5% = ₱150/mo (₱1,800/yr) · issuer max ₱1,250/mo | — |
| Top reward rate | 8% cashback | 0.2% cashback (modeled) |
| Primary reward cap | ₱1,250 rewards/mo cap | No monthly cap published |
| Key exclusions | Not stated | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
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Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/ph/en/compare/hsbc-live-plus-ph-vs-metrobank-m-freeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC Live+ Credit Card leads Metrobank M Free Mastercard by about ₱6,784/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 | HSBC Live+ Credit Card HSBC | Metrobank M Free Mastercard Metrobank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱5,000 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₱33,334/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱7,174/yr | ₱390/yr |
| Online shopping | ₱7,000 × 5% = ₱350/mo (₱4,200/yr) · issuer max ₱1,250/mo | — |
| Dining & delivery | ₱5,000 × 8% = ₱400/mo (₱4,800/yr) · issuer max ₱1,250/mo | — |
| Fuel | ₱4,000 × 3% = ₱120/mo (₱1,440/yr) · issuer max ₱600/mo | — |
| Travel | ₱3,000 × 5% = ₱150/mo (₱1,800/yr) · issuer max ₱1,250/mo | — |
| Top reward rate | 8% cashback | 0.2% cashback (modeled) |
| Primary reward cap | ₱1,250 rewards/mo cap | 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?
- HSBC Live+ Credit Card leads with an estimated ₱7,174/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.
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