Side-by-side · honest numbers
Metrobank M Free Mastercard vs RCBC Flex Gold Visa
Honest side-by-side comparison of Metrobank M Free Mastercard, RCBC Flex Gold Visa — 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 M Free Mastercard
Metrobank
RCBC Flex Gold Visa
RCBC
Your adjusted comparison
| Feature | Metrobank M Free Mastercard Metrobank | RCBC Flex Gold Visa RCBC |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₱3,000 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | ₱15,000/mo | ₱25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱390/yr | ₱2,550/yr |
| Groceries (offline) | — | ₱8,000 × 2% = ₱160/mo (₱1,920/yr) · issuer max ₱800/mo |
| Fuel | — | ₱4,000 × 2% = ₱80/mo (₱960/yr) · issuer max ₱800/mo |
| Travel | — | ₱3,000 × 2% = ₱60/mo (₱720/yr) · issuer max ₱800/mo |
| Top reward rate | 0.2% cashback (modeled) | 2× Rewards Points |
| Primary reward cap | No monthly cap published | ₱800 rewards/mo cap |
| 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.
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https://cardhungry.com/ph/en/compare/metrobank-m-free-vs-rcbc-flex-visaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, RCBC Flex Gold Visa leads Metrobank M Free Mastercard by about ₱2,160/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 M Free Mastercard Metrobank | RCBC Flex Gold Visa RCBC |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₱3,000 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | ₱15,000/mo | ₱25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱390/yr | ₱2,550/yr |
| Groceries (offline) | — | ₱8,000 × 2% = ₱160/mo (₱1,920/yr) · issuer max ₱800/mo |
| Fuel | — | ₱4,000 × 2% = ₱80/mo (₱960/yr) · issuer max ₱800/mo |
| Travel | — | ₱3,000 × 2% = ₱60/mo (₱720/yr) · issuer max ₱800/mo |
| Top reward rate | 0.2% cashback (modeled) | 2× Rewards Points |
| Primary reward cap | No monthly cap published | ₱800 rewards/mo cap |
| 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?
- RCBC Flex Gold Visa leads with an estimated ₱2,550/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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