Side-by-side · honest numbers
Metrobank Travel Platinum Visa vs UnionBank U Visa Platinum
Honest side-by-side comparison of Metrobank Travel Platinum Visa, UnionBank U Visa Platinum — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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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 Travel Platinum Visa
Metrobank
UnionBank U Visa Platinum
UnionBank
Your adjusted comparison
| Feature | Metrobank Travel Platinum Visa Metrobank | UnionBank U Visa Platinum UnionBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱5,000 | 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) | -₱1,895/yr | -₱635/yr |
| Travel | ₱3,000 × 1.5% = ₱45/mo (₱540/yr) | — |
| Top reward rate | ~1.5% cash-equivalent (modeled) | No cashback earn |
| Primary reward cap | No monthly cap published | No monthly cap published |
| Key exclusions | Not stated | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
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https://cardhungry.com/ph/en/compare/metrobank-travel-platinum-vs-unionbank-u-visaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, UnionBank U Visa Platinum leads Metrobank Travel Platinum Visa by about ₱1,260/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 Travel Platinum Visa Metrobank | UnionBank U Visa Platinum UnionBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱5,000 | 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) | -₱1,895/yr | -₱635/yr |
| Travel | ₱3,000 × 1.5% = ₱45/mo (₱540/yr) | — |
| Top reward rate | ~1.5% cash-equivalent (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?
- UnionBank U Visa Platinum has a ₱0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- UnionBank U Visa Platinum leads with an estimated -₱635/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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