Side-by-side · honest numbers
Metrobank M Free Mastercard vs Security Bank Complete Cashback Platinum
Honest side-by-side comparison of Metrobank M Free Mastercard, Security Bank Complete Cashback 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 M Free Mastercard
Metrobank
Security Bank Complete Cashback Platinum
Security Bank
Your adjusted comparison
| Feature | Metrobank M Free Mastercard Metrobank | Security Bank Complete Cashback Platinum Security Bank |
|---|---|---|
| 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 | ₱6,570/yr |
| Online shopping | — | ₱7,000 × 1% = ₱70/mo (₱840/yr) · issuer max ₱1,000/mo |
| Groceries (offline) | — | ₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/mo |
| Dining & delivery | — | ₱5,000 × 2% = ₱100/mo (₱1,200/yr) · issuer max ₱1,000/mo |
| Fuel | — | ₱4,000 × 4% = ₱160/mo (₱1,920/yr) · issuer max ₱1,000/mo |
| Utilities & bills | — | ₱3,500 × 3% = ₱105/mo (₱1,260/yr) · issuer max ₱1,000/mo |
| Top reward rate | 0.2% cashback (modeled) | 5% cashback |
| Primary reward cap | No monthly cap published | ₱1,000 rewards/mo cap |
| Key exclusions | Not stated | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₱6,750/yr combined NAV (₱180 vs best solo). Both annual fees apply.
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https://cardhungry.com/ph/en/compare/metrobank-m-free-vs-security-bank-complete-cashbackReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Security Bank Complete Cashback Platinum leads Metrobank M Free Mastercard by about ₱6,180/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 | Security Bank Complete Cashback Platinum Security Bank |
|---|---|---|
| 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 | ₱6,570/yr |
| Online shopping | — | ₱7,000 × 1% = ₱70/mo (₱840/yr) · issuer max ₱1,000/mo |
| Groceries (offline) | — | ₱8,000 × 5% = ₱400/mo (₱4,800/yr) · issuer max ₱1,000/mo |
| Dining & delivery | — | ₱5,000 × 2% = ₱100/mo (₱1,200/yr) · issuer max ₱1,000/mo |
| Fuel | — | ₱4,000 × 4% = ₱160/mo (₱1,920/yr) · issuer max ₱1,000/mo |
| Utilities & bills | — | ₱3,500 × 3% = ₱105/mo (₱1,260/yr) · issuer max ₱1,000/mo |
| Top reward rate | 0.2% cashback (modeled) | 5% cashback |
| Primary reward cap | No monthly cap published | ₱1,000 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?
- Security Bank Complete Cashback Platinum leads with an estimated ₱6,570/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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