Back to credit cards
Credit card · Mastercard
M Free Credit Card
by Metrobank
Mastercard network
Quick take
Main benefit
No yearly fee. A card you can keep for free, even if you rarely use it.
Main catch
Interest is steep if you don't pay in full — about 3.00% a month.
Income needed
₱72,250/mo The bank does the final check.
Annual fee
₱0 — no yearly fee for life
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
Is this card for you?
Good fit if
- You want a first credit card from a bank people recognize.
- You want a card you can keep without a yearly fee.
- You pay your balance in full each month to avoid interest.
Look elsewhere if
- You expect to carry a balance from month to month.
- You earn below ₱72,250 a month.
The numbers
RewardsNo rewards program listed by Metrobank
Annual fee₱0 — no yearly fee for life
Interest if unpaid3.00% / month
Late payment fee₱1,000
Foreign currency markup3.50%
›More fees and details
Cash advance fee₱200
Over-limit fee₱750
Fee waiverNo yearly fee for life.
The catch
- Interest is steep if you don't pay in full — about 3.00% a month.
Ready to decide?
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
You'll finish on Metrobank's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
- One valid government ID— passport, driver's license, UMID, or PhilSys.
- Proof of income — a recent payslip, your latest ITR, or a COE with salary.
- Proof of billing address — a utility bill or a bank statement.
- 10–15 minutes to fill out Metrobank's application form.
From Metrobank's official page · Checked Jun 3, 2026
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.