metrobank Mfree mastercard

Metrobank M Free Mastercard

Minimum Annual Income


(P15,000 Monthly)

Interest Rate


Annual Fee


Product Summary

metrobank Mfree mastercard

Metrobank M Free Mastercard

Want a credit card but don’t want to pay annual fees? The Metrobank M Free Mastercard may be the perfect card for you. Apply online and enjoy no annual fees for life, 0% interest installment plans, and other value-added perks.

    • No annual fees forever!
    • Enjoy 0% interest installment plans
    • Contactless-enabled credit card
    • Ideal for: first-time cardholders and online shoppers
    Existing Credit CardRequired
    Landline numberRequired
    Age18 to 70 years old
    Minimum Annual IncomeP180,000
    Annual Fee Free
    Annual Fee Waiver Yes
    Monthly Effective Interest Rate2%
    Cash Advance Monthly Effective Interest Rate2%
    Cash Advance Fee P200 / %
    Minimum Amount Due 5%

    Is this the right product for you?

    Checkout the other credit card listings

    Why Choose Metrobank M Free Mastercard?

    If zero fees are music to your ears, then you’re sure to hear a symphony with the features of the Metrobank M Free Mastercard. Check out the benefits of this card and see if it's in tune with your lifestyle and needs.

    Say goodbye to annual fees!

    Enjoy the freedom of having a credit card without having to worry about annual fees. Metrobank M Free Mastercard not only waives the annual fee on the first year but you won’t need to pay annual fees at all! That’s more savings in the long run compared to other credit cards.

    Enjoy 0% installment plans

    If you have a big-ticket purchase lined up—whether it’s a retail item, travel purchase, or other fees like tuition and hospital bills—pay using Metrobank M Free Mastercard to avail of a 0% interest installment plan. Just choose from 3, 6, 9, 12, 18, and 24 monthly installment terms.

    Contactless payment

    This convenient and secure feature allows users to simply tap the card on any contactless-enabled card terminal to easily complete their transaction. No need for your signature for purchases below ₱2,000. Indeed, a better alternative to swiping your card.

    Avail value-added services all year round

    As a bonus, you can use Metrobank M Free Mastercard’s value-added services such as Bills2Pay, Cash2Go, and Cash Rush, to name a few. It also has M Connect, an automated verification service that can help you with your credit card concerns.

    Is Metrobank M Free Mastercard the Right Card for You?

    If you prefer a card with no additional charges in annual fees and installment plans, then the Metrobank M Free Mastercard is the right choice for you. If you have something else in mind, check out these other credit cards:

    • Citi Simplicity+ Card. This is the card that keeps things simple. And what better way to express simplicity than to slash away annual fees for life, late payment fees, and overlimit fees.
    • AUB Classic Mastercard. This is a good card to have if you’d like to share the card’s features with your loved ones - no annual fees forever for you and your supplementary cardholders!
    • HSBC Red Mastercard. Want to buy a gadget but without the interest and with a longer installment plan? It’s possible with HSBC Red Mastercard’s 0% interest installment plans payable up to 36 months.


    Unfortunately, you can’t earn reward points with the Metrobank M Free Mastercard.

    Contactless payment involves tapping your card to a point-of-sale terminal to make payments worth ₱2,000 and below.

    The Metrobank M Free Mastercard is equipped with these features:

    • Bills2Pay - automated bills payment feature
    • Cash2Go - cash advance feature with flexible installment payment
    • Cash Rush - instant cash when you need it via ATM
    • M Connect - automated voice, text, and email payment verification service

    Definitely. Your Metrobank M Free Mastercard is equipped with an EMV chip that prevents credit card fraud. It also has an E-Commerce Protection feature that protects you from losses incurred from incomplete, wrong, or damaged goods from online purchases.

    For Metrobank credit card-related emergencies, dial 1-800-307–7309 in the United States or 1-636-722-711 elsewhere to access these services:

    • Emergency lost/stolen card reporting
    • Emergency card replacement
    • Emergency cash advance

    You can call Metrobank at 88-700-700 or 1-800-1-888-5775. Take note that a Metrobank credit card application may take one to two weeks.


    Stay with us

    Subscribe to us and get the latest news