Who can apply for the Metrobank M Free?
The M Free is aimed at people who already have a credit history. Metrobank asks that you are between 18 and 70 years old, that you have been a regular employee for at least six months and that you are already a principal cardholder with another bank for at least nine months, with a credit limit of ₱25,000 or more. Approval is never guaranteed: the bank evaluates your income, your existing cards and your record with the Credit Information Corporation before deciding.
If you do not have a card yet, this is not the right first product. Start with an entry-level card, or a secured card, build a few months of on-time payments and come back to the M Free later.
Requirements for the Metrobank M Free
✔️ Age between 18 and 70 years old
✔️ Minimum gross annual income of ₱446,000
✔️ At least six months as a regular employee
✔️ Principal cardholder with another bank for at least nine months, credit limit of ₱25,000 or more
✔️ Valid PhilID, TIN, SSS, GSIS or UMID number
✔️ Active mobile number and an active business or residence landline
✔️ PhilID or any valid government-issued photo ID showing your date of birth and signature
A tip for you!
Before you apply, check your own record. You are entitled to a free credit report from the Credit Information Corporation every year, and any accessing entity such as CIBI, TransUnion or CRIF can show you what the banks see. A late payment on your current card is the most common reason a second-card application gets declined.
Make sure the card you already hold is at least nine months old and that its limit is ₱25,000 or higher. If it is not, wait: applying too early usually ends in a rejection that stays on your record for the next application.
When the M Free arrives, enroll it in the Metrobank app, turn on transaction alerts and set the payment reminder a few days before the due date. A no-annual-fee card only stays free if you do not pay finance charges and late fees.
What are the fees of the Metrobank M Free?
Metrobank publishes no annual fee for life on this card. Balance transfer starts at 1% a month and balance conversion and Cash2Go have their own add-on rates shown before you confirm. The regular finance charge on unpaid balances, cash advance fees and late payment charges follow the Metrobank credit card fee table, within the monthly ceiling set by the Bangko Sentral ng Pilipinas. Read the current table on the official site before you apply, because fees change.
How to apply for the Metrobank M Free Mastercard?
The application is online. On the official Metrobank page you press “Apply now”, which takes you to the bank’s application portal. You fill in your personal, employment and income details, upload your ID and submit. Metrobank reviews the application and contacts you by phone or SMS; if approved, the card is delivered to your address and you activate it through the app.
If you already have your ID and your current card details at hand, press the button to go to the official Metrobank website and start your application.
Kredua is not a bank, a lending company or a financial institution, and we do not grant credit. We review products offered in the Philippines so you can decide with more information; every application is made directly with the institution, which is the only one that evaluates and approves it.
