• Min. Monthly Income


  • Interest Rate

    3.54% /month

  • Annual Fee


Feature Highlights
  • For better money management
  • No need to pay for an annual fee ever
  • With an embedded chip that helps protect you from credit card fraud


  • Avail of discounts, free gifts and great deals with your Metrobank 'M Credit Card at their 'M here! partner establishments


  • Avail of discounts, free gifts and great deals with your Metrobank 'M Credit Card at their 'M here! partner establishments


  • For better money management. No need to pay for an annual fee ever


  • Avail of discounts, free gifts and great deals with your Metrobank 'M Credit Card at their 'M here! partner establishments

Other Features

  • Interest Rate
    • 3.54% for M Free and 2.78% for M Lite.
  • Balance Transfer
    • 8.16% per year for a lock-in tenure of 12 months.
  • Installment Plan
    • Take advantage of 0% interest Installment Payment Plan when you purchase at participating shops. With flexible payment schemes to choose from (3, 6, 9, 12, 18 and 24 months).
  • Supplementary Cards
    • Request up to 3 supplementary cards and enjoy the same benefits and privileges while assigning spending limits to manage expenses.
  • Payment Facilities
    • Paying your credit card bills have been made more convenient as you can pay at any branch of Metrobank or PSBank. You can also pay through any Metrobank or PSBank ATM or Bancnet ATMs in the metro. Furthermore, you can also do payments via MetroPhone, Metrobank mobile banking or online via Metrobankdirect and PSBankRemote Banking.
  • "DesignMyCard"
    • Design your credit card as you personalize it with your favorite photo.
  • MTXT
    • Convenience made even easier. Check your credit balance using your mobile phone through MTXT.
  • Metrobank Chip Card
    • Your Metrobank Card has an embedded chip that can protect you from credit card fraud due to cloning.

Card Information

Annual fee Free (Free for Life for M Free and ₱1,500.00 for M Lite)
Min. monthly income ₱15,000 (₱16,666.67 for M Lite)
Min. age for principal holder

At least 21 years of age or older

Min. age for supplementary holder

14-80 years old

Fee for supplementary holder Free for life. (M Free), ₱800.00 (M Lite)
Finance charges 3.54% (M Free) 2.78% (M Lite) per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee


Late payment charge

₱700.00 or 7.50% of outstanding amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

₱600.00 or 3% of cash amount availed, whichever is higher

Cash advance interest charge

3.96% (M Free), 3.71% (M Lite)

Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Free Annual Fee or Low Interest

Choose between free annual fee for life or low monthly interest fee with the Metrobank M Free or M Lite credit card. With the M Free card, you don’t have to worry about paying your annual membership fee, as it’s free for life! And for the M Lite card, you get the lowest finance charge in the market at 2.49% per month. You also enjoy all of the benefits and offers available in the Philippines such as exciting freebies, surprising discounts, and excellent deals available through 'M here! partner establishments nationwide.

Fees and Charges of Metrobank M Free / Lite Credit Card

M Free card enjoys free annual membership fee for life on both principal and supplementary cardholders. The annual membership fee for the M Lite card is ₱1,400 for the principal cardholder and ₱800 for the supplementary cardholder. Monthly interest charge is 3.5% for the M Free card and 2.49% for the M Lite card. Late payment fee for both cards is ₱700 or 7.5% of minimum amount due, whichever is higher.

Are you eligible for a Metrobank M Free / Lite Credit Card?

To apply, the principal cardholder should have a minimum monthly income of ₱15,000 and must be 21 years old and above. Supplementary cardholders must be 14-80 years of age.

If you feel this card doesn't suit you, we also recommend checking out AUB Easy Credit Card and Chinabank Prime Credit Card, which have similar features that you may find interesting.

If you're still looking for other options, you can browse for more Metrobank credit cards to find which one matches your need.