Many cards waive the fee for one year and then start charging. The M Free is different, because Metrobank commits to no annual fee for life on the principal card, for as long as you keep it.
Why do we recommend the Metrobank M Free Mastercard?
The features are the ones that save money. 0% installment plans at partner merchants split an appliance or a phone without interest, and balance transfers start at 1% a month, which helps when you move debt from a costlier card.
Cash2Go converts part of the limit into cash with fixed monthly payments, and balance conversion handles big purchases. Mastercard acceptance covers stores and online, at home and abroad, and the app lets you pay the bill and enrol installments yourself.
Author’s opinion
It is built as a second card. You must already be a principal cardholder with another bank for at least nine months, with a limit of at least ₱25,000, earn a gross annual income of ₱446,000 and have six months as a regular employee. Below that, it is not for you yet.
The fee waiver does not make revolving cheap: a ₱20,000 balance can cost about ₱600 in interest in one month. Use installments and transfers, and pay the total by the due date.
Set a due-date reminder in the Metrobank app the day the card arrives and treat the limit as a tool.
I want to learn more about the Metrobank M Free!
The next page explains who can apply, which documents Metrobank asks for and each step online. Press the button.
