Side-by-side · honest numbers
Metrobank Cashback Visa vs Metrobank M Free Mastercard
Honest side-by-side comparison of Metrobank Cashback Visa, 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.
Metrobank Cashback Visa
Metrobank
Metrobank M Free Mastercard
Metrobank
Your adjusted comparison
| Feature | Metrobank Cashback Visa Metrobank | Metrobank M Free Mastercard Metrobank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱3,500 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₱58,334/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱3,514/yr | ₱390/yr |
| Groceries (offline) | ₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/mo | — |
| Utilities & bills | ₱3,500 × 5% = ₱175/mo (₱2,100/yr) · issuer max ₱1,000/mo | — |
| Top reward rate | 5% cashback | 0.2% cashback (modeled) |
| Primary reward cap | ₱1,000 rewards/mo cap | 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/metrobank-cashback-visa-vs-metrobank-m-freeReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Metrobank Cashback Visa leads Metrobank M Free Mastercard by about ₱3,124/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 | Metrobank Cashback Visa Metrobank | Metrobank M Free Mastercard Metrobank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱3,500 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₱58,334/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱3,514/yr | ₱390/yr |
| Groceries (offline) | ₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/mo | — |
| Utilities & bills | ₱3,500 × 5% = ₱175/mo (₱2,100/yr) · issuer max ₱1,000/mo | — |
| Top reward rate | 5% cashback | 0.2% cashback (modeled) |
| Primary reward cap | ₱1,000 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?
- Metrobank Cashback Visa leads with an estimated ₱3,514/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 Metrobank Cashback Visa comparisons
- Metrobank Cashback Visa vs BDO American Express Cashback
- Metrobank Cashback Visa vs BPI Amore Cashback
- Metrobank Cashback Visa vs HSBC Live+ Credit Card
- Metrobank Cashback Visa vs Metrobank Travel Platinum Visa
- Metrobank Cashback Visa vs Petron BPI Card
- Metrobank Cashback Visa vs RCBC Flex Gold Visa
- Metrobank Cashback Visa vs Security Bank Complete Cashback Platinum
- Metrobank Cashback Visa vs UnionBank Cash Back Visa Platinum
- Metrobank Cashback Visa vs UnionBank Shell Power Visa Platinum
- Metrobank Cashback Visa vs UnionBank U Visa Platinum