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 M Free Mastercard leads with an estimated ₱390/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.

Side-by-side · honest numbers

Metrobank M Free Mastercard vs UnionBank U Visa Platinum

Honest side-by-side comparison of Metrobank M Free Mastercard, 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

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.

Card 1

Metrobank M Free Mastercard

Metrobank

Card 2

UnionBank U Visa Platinum

UnionBank

Your adjusted comparison

Feature	Metrobank M Free Mastercard Metrobank	UnionBank U Visa Platinum UnionBank
Fees & eligibility
Annual fee	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free
Min income	₱15,000/mo	₱15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₱390/yr	-₱635/yr
Top reward rate	0.2% cashback (modeled)	No cashback earn
Primary reward cap	No monthly cap published	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.

Metrobank M Free Mastercard details →UnionBank U Visa Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Metrobank M Free Mastercard leads UnionBank U Visa Platinum by about ₱1,025/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

Metrobank M Free Mastercard vs UnionBank U Visa Platinum comparison table
Feature	Metrobank M Free Mastercard Metrobank	UnionBank U Visa Platinum UnionBank
Fees & eligibility
Annual fee	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free
Min income	₱15,000/mo	₱15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₱390/yr	-₱635/yr
Top reward rate	0.2% cashback (modeled)	No cashback earn
Primary reward cap	No monthly cap published	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 M Free Mastercard leads with an estimated ₱390/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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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