Side-by-side · honest numbers
Metrobank M Free Mastercard vs UnionBank Cash Back Visa Platinum
Honest side-by-side comparison of Metrobank M Free Mastercard, UnionBank Cash Back 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
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 M Free Mastercard
Metrobank
UnionBank Cash Back Visa Platinum
UnionBank
Your adjusted comparison
| Feature | Metrobank M Free Mastercard Metrobank | UnionBank Cash Back Visa Platinum UnionBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₱4,500 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | ₱15,000/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱390/yr | ₱2,029/yr |
| Groceries (offline) | — | ₱8,000 × 6% = ₱480/mo (₱5,760/yr) · issuer max ₱1,250/mo |
| Utilities & bills | — | ₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo |
| Top reward rate | 0.2% cashback (modeled) | Up to 6% cashback |
| Primary reward cap | No monthly cap published | ₱1,250 rewards/mo cap |
| Key exclusions | Not stated | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₱2,122/yr combined NAV (₱93 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/ph/en/compare/metrobank-m-free-vs-unionbank-cashback-visaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, UnionBank Cash Back Visa Platinum leads Metrobank M Free Mastercard by about ₱1,639/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 | UnionBank Cash Back Visa Platinum UnionBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₱4,500 |
| Fee waiver threshold | Lifetime free | No waiver published |
| Min income | ₱15,000/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₱390/yr | ₱2,029/yr |
| Groceries (offline) | — | ₱8,000 × 6% = ₱480/mo (₱5,760/yr) · issuer max ₱1,250/mo |
| Utilities & bills | — | ₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo |
| Top reward rate | 0.2% cashback (modeled) | Up to 6% cashback |
| Primary reward cap | No monthly cap published | ₱1,250 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?
- UnionBank Cash Back Visa Platinum leads with an estimated ₱2,029/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 M Free Mastercard comparisons
- Metrobank M Free Mastercard vs BDO American Express Cashback
- Metrobank M Free Mastercard vs BPI Amore Cashback
- Metrobank M Free Mastercard vs HSBC Live+ Credit Card
- Metrobank M Free Mastercard vs Metrobank Cashback Visa
- Metrobank M Free Mastercard vs Metrobank Travel Platinum Visa
- Metrobank M Free Mastercard vs Petron BPI Card
- Metrobank M Free Mastercard vs RCBC Flex Gold Visa
- Metrobank M Free Mastercard vs Security Bank Complete Cashback Platinum
- Metrobank M Free Mastercard vs UnionBank Shell Power Visa Platinum
- Metrobank M Free Mastercard vs UnionBank U Visa Platinum