The Metrobank M Free Mastercard is a simple, no-frills credit card designed for users who want to avoid annual fees altogether. It does not offer rewards or cashback, but focuses on straightforward usage without added costs. This makes it a practical option for first-time cardholders or those who prefer a basic credit card for occasional spending without worrying about annual fee charges.
Card Tier:
Rewards Type:
Best For:
Min Annual Income:
867,000
Annual Fee:
0
Annual Fee Policy:
No annual fee for life
Credit to Cash:
Cash2Go
Purchase Installment:
n/a
Balance Conversion:
Balance Conversion
Balance Transfer:
Balance Transfer
Special Installment:
0% Installment, Shop Now Pay Later
Send Money:
PayNow
Bills Payment:
n/a
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n/a
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Annual Fee:
0
Annual Fee note:
Annual Fee Supplementary:
0
Annual Fee Supplementary note:
Free for life
Retail Monthly Interest Rate:
3%
Cash Advance Monthly Interest Rate:
3%
Cash Advance Fee:
₱200
Processing Fee – Credit to Cash:
₱350
Processing Fee – Purchase Installment:
n/a
Processing Fee – Balance Conversion:
₱500
Processing Fee – Balance Transfer:
₱350
Send Money Fee:
₱25
Note: The installment processing and Send Money fees shown above reflect the minimum applicable amount. Actual fees may vary depending on the transaction amount, currency involved, or how the request is initiated (e.g., through electronic channels or via customer service).