• 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


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


  • For better money management, pay minimal interest only.

Other Features

  • Interest Rate
    • 3.54%
  • Balance Transfer
    • 0.68% per month for 12, 18, and 24 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 4 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.
  • 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)
Min. monthly income ₱15,000.00
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
Finance charges 3.54%
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

₱850.00 or minimum amount due whichever is lower

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


Cashback limit


Rewards points expiry


Product Review by iMoney Philippines

Enjoy Free Annual Fee For Life

With the Metrobank M Free MasterCard, you will have no annual fees for life since it is waived for this credit card. No longer will you be bothered about paying an annual membership fee at the end of the year. Aside from this remarkable benefit, approval is easy since it has a low minimum income requirement. You will also receive all of the other advantages such as exclusive discounts, exciting deals, and excellent freebies available through 'M here! partner merchants nationwide.

Fees and Charges of Metrobank M Free Credit Card

The Metrobank M Free card enjoys zero annual membership fee for life on both principal and supplementary cardholders. Monthly interest charge is the common 3.5% per month, whereas the late payment fee is ₱850 or minimum amount due whichever is lower. The cash advance amount will be 30% of your credit limit, with the cash advance charge set to ₱600 or 3% of the cash availed, whichever is higher. The cash advance interest charge will be 3.96%.

Are you eligible for a Metrobank M Free Credit Card?

To apply, the principal cardholder must be 21 years and above and should have a minimum monthly income of at least ₱15,000. As for supplementary cardholders, they must be 14-80 years of age.

If you want to lighten your financial burden and save up on your credit card’s annual membership fees, then the Metrobank M Free MasterCard is the right choice for you. No longer will you have to worry about an extra expense at every year-end, instead use the savings to purchase items that you currently need the most. Do a better job at managing your money with added savings, while enjoying security against fraud protection, all with this remarkable credit card.

If you are looking for a different type of credit card based on your need, we can recommend that you also consider the RCBC Bankard Classic Card and Robinsons Bank Platinum DOS Mastercard, which both have low minimum salary requirements and special features that you might find interesting.

If you are interested in getting a credit card specifically from Metrobank, you can still take a look at other options that Metrobank credit cards has to offer, and find which card best suits your need.