Side-by-side · honest numbers
Metrobank Cashback Visa vs UnionBank U Visa Platinum
Honest side-by-side comparison of Metrobank Cashback Visa, UnionBank U Visa Platinum — 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.
Metrobank Cashback Visa
Metrobank
UnionBank U Visa Platinum
UnionBank
Your adjusted comparison
| Feature | Metrobank Cashback Visa Metrobank | UnionBank U Visa Platinum UnionBank |
|---|---|---|
| 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 | -₱635/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 | No cashback earn |
| Primary reward cap | ₱1,000 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/metrobank-cashback-visa-vs-unionbank-u-visaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Metrobank Cashback Visa leads UnionBank U Visa Platinum by about ₱4,149/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 | UnionBank U Visa Platinum UnionBank |
|---|---|---|
| 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 | -₱635/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 | No cashback earn |
| 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?
- UnionBank U Visa Platinum 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?
- UnionBank U Visa Platinum 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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