Metrobank M Free MasterCard and Promo

Metrobank M Free MasterCard Credit Cards

Interest Rate
3.54% per month
Annual fee
Waived for life
Promo & Features
Apply
Online
Inquiry
Tel
8700-700
Online
Visit inquiry page
  • Enjoy all its privileges and benefits and maintain the credit card with ease with no membership fees to pay.
  • Get exclusive deals, discounts and special previleges only for Metrobank Credit Cardholders.
  • Get protected purchases against fraudulent transactions.
  • Minimum monthly income : P15,000
  • Annual Fee for Supplementary holder : Waived for life
  • more info
User Rating 4.1 (10 Reviews)
Rachiele Monreal Na-approve ako sa card na ito for a credit limit of 20 thousand pesos. Kaya lang, nagulat ako kasi nag charge kaagad sila ...read more
Forum 3Threads (6 Replies)
Me is Ramell Sige nga kung maganda tong gamitin kasi maraming nagsasabi na maganda raw to compared to other credit cards and mostly sa atin ...read more

Information

Reviews

Forum

Enjoy all its privileges and benefits and maintain the credit card with ease with no membership fees to pay.

Take advantage of a waved annual membership fee for life. Get the most out of your cards feature and enjoy having the privileges you deserve.

Get exclusive deals, discounts and special previleges only for Metrobank Credit Cardholders.

Enjoy exclusive deals at shopping, dining, travel, wellness and even buy one get one promos at ""M here!"" partner establishments.

Get protected purchases against fraudulent transactions.

Metrobank Credit Cards are accepted worldwide, have a worry free shopping anywhere because Metrobank Credit Cards are specially designed to prevent Credit Card fraud due to cloning.

Basic Information

Card name

Metrobank M Free MasterCard

Bank

Metrobank

Brand

Master

Type

Standard

Fees and charges

Interest rate (per month)

3.54%  per month

Annual fee

Waived for life 

Annual Fee for Supplementary holder

Waived for life

Balance transfer Rate

0.68% per month

Minimum Payment

Credit Limit

Late payment charge

7.5% of outstanding amount or P700, whichever is higher

Cash advance limit

Cash advance handling fee

3% of amount withdrawn or P600, whichever is higher plus additional P500 for over-the-counter transactions

Cash advance interest charge

3.96%

Overseas spending fee

The amount will be converted to PHP based on MasterCard's currency rate at the time of the purchase plus 2.50% processing fee

Over Limit Fee

P700

Payment Channels and Fees

Metrobank or PSBank branch
Metrobank or PSBank ATM
Bancnet ATM
MetroPhone
Metrobank mobile banking or online
Metrobankdirect
PSBank Remote Banking.

Installment Plan

0% interest installment scheme at partner stores

Returned Check Fee

P1,500

Closed Maintenance fee

P200 or an amount equivalent to the credit balance, whichever is lower

Gaming Service transaction fee

5%

Eligibility

Minimum monthly income

P15,000

Minimum age for Principal holder

Must be 21 to 70 years old

Minimum age for Supplementary holder

At least 13 years old

Promo & Features

Cashback

Reward

Mileage

Shopping

Others

Cash2Go, Get fast cash against you credit limit
MTXT, Balance inquiry via text message
Desingmycard, Personalize your card

Reviews of Metrobank M Free MasterCard

User Review : 10Reviews

Design 4.4
Fees & Charges 4.0
Customer service 3.8
Features 4.0
Total 4.1

Rachiele Monreal

Why oh why?

Na-approve ako sa card na ito for a credit limit of 20 thousand pesos. Kaya lang, nagulat ako kasi nag charge ...Read more

  • Rating : 2.3
  • Date : Oct 22, 2019
  • Review by Rachiele Monreal

Joana Roxas

Amazing card!

Ang card na ito ay excellent for me. Mababa lang kasi ang interest nito at almost non existent ang mga fees. Ang ...Read more

  • Rating : 5.0
  • Date : Sep 24, 2019
  • Review by Joana Roxas

Eunice Margot

My kind of card!

Isang taon na ito ang card na ginagamit ko at fully satisfied naman ako dito. Ginagamit ko ito as a main card para ...Read more

  • Rating : 5.0
  • Date : Jul 25, 2019
  • Review by Eunice Margot

Forum of Metrobank M Free MasterCard

Me is Ramell

Anong pagkakaiba?

Sige nga kung maganda tong gamitin kasi maraming nagsasabi na maganda raw to compared to other credit cards and mostly sa atin yong pinaktinatanong is kung malaki ba yong interest and charges yon lang naman din yong pinakaconcern nila kasi ngalan ng pera ... Read more

  • Last updated : Oct 23, 2019
  • Posted by Me is Ramell
  • Replies of This topic : 6 Replies

lowela

Unexpected promo

Maganda talaga yong Metrobank card ko kasi aside pa sa magandang services nila eh may maganda rin silang interest tsaka may promo pa para sa mga regular customers nila. Kya nga di to na ako eh. Every end of the year mayron niyan silang promo ganda diba?. ... Read more

  • Last updated : Jan 1, 1970
  • Posted by lowela
  • Replies of This topic : 0 Replies

irish reyes

The offers

May mga multiple points kung mag-aaply tayo sa kanilang companya ? tapos ano pa yong mga other offers nila pag may ganito na tayong card? kasi gustong gusto kung magkaroon nang ganito. Ano po yong pinakamagandang cards bukod pa rito? kasi mas okay pa ... Read more

  • Last updated : Jan 1, 1970
  • Posted by irish reyes
  • Replies of This topic : 0 Replies

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Information

Reviews

Forum

Overall Rating

Design 4.4
Fees & Charges 4.0
Customer service 3.8
Features 4.0
Total 4.1

Please feel free to post your review on this product.

Write a Review

Rachiele Monreal

  • Review by Rachiele Monreal
  • Oct 22, 2019
Design 2.0
Fees & Charges 3.0
Customer service 1.0
Features 3.0
Total 2.3

Why oh why?

Na-approve ako sa card na ito for a credit limit of 20 thousand pesos. Kaya lang, nagulat ako kasi nag charge kaagad sila ng annual fee at 2 weeks pa lang akong nakakagamit ng card na ito ay nag-closed na agad nang wala man lang pasabi kung bakit. Currently ay may isa pa akong card na Citibank naman at okay naman yon. Tinawagan ko ang Metrobank para ma-inquire kung bakit close na ang account ko pero sabi lang nila sa akin ay wala akong enough na credit.

Good Review

Joana Roxas

  • Review by Joana Roxas
  • Sep 24, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Amazing card!

Ang card na ito ay excellent for me. Mababa lang kasi ang interest nito at almost non existent ang mga fees. Ang tanging nagiging feel ko lang sa card na ito ay maliit na late fee kapag nakaligtaan kong bayaran ang bill ko. Protektado pa ang online shopping with their security and features at zero fraud liability. Super dali ring mag-transfer dito ng balace kasi nag-ooffer sila ng 0% APR sa mga balance transfers. Super amazing card for me.

Good Review

Eunice Margot

  • Review by Eunice Margot
  • Jul 25, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

My kind of card!

Isang taon na ito ang card na ginagamit ko at fully satisfied naman ako dito. Ginagamit ko ito as a main card para sa mga expenses ko at I'm so happy dahil ang dami ko nang natatanggap na rewards. Okay din ang customer service nito at hindi ako nagkaka-problema. Reward card ko ito na ginagamit ko para sa pagta-travel at okay for my purchases. Napaka-handy nitong card na ito for me.

Good Review

Faith Jannah

  • Review by Faith Jannah
  • Jun 12, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Ready in times of need

This card is very helpful to me. I applied it last year and was approved din naman kaagad. I feel so very secured sa card na ito dahil hindi ko na kailangang magdala ng cash palagi sa tuwing lalabas ako. Yung points na nae-earned ko ay marami-rami na rin. It helps me a lot kapag nasho-short ako sa budget when I do my groceries o kaya naman ay pag merong bibilhing medicine. I recommend this card at of course, dapat nyo ring i-consider na magkaroon kayo ng self control at responsible kayo sa pagkakaroon nito.

Good Review

Saab Buenafe

  • Review by Saab Buenafe
  • May 17, 2019
Design 5.0
Fees & Charges 5.0
Customer service 4.0
Features 5.0
Total 4.8

Convenient card

Very convenient sa akin ang card na ito dahil talagang personal kong nakakausap ang mga customer service nito kapag meron akong concern regarding sa mga issues ko before. Isa nga lang na hindi maganda sa kanila ay kapag sinusubukan kong kontakin sa phone ang customer service ay ang tagal-tagal bago ako maka-connect at nakakaubos ng oras. Regarding naman sa paggamit nito, wala naman na akong anumang problema sa mga interest rate at sa payment dito.

Good Review

Cassandra Gray

  • Review by Cassandra Gray
  • Feb 12, 2019
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

The best card!

The best ang card na ito sa tatlong mga naging credit card na na-experience ko. So far, ito lang yung naka-meet sa lahat ng mga expectations ko. Ginagamit ko ito sa pagsha-shopping ko at isang malaking naging tulong sa akin nung kinailangan kong bumili ng laptop pero wala akong cash na pambayad. Nagkataon naman na merong promo yung brand na binili ko na pwedeng 1 year to pay installment. Kaya ginrab ko ang opportunity dahil zero interest naman ito. Magaan lang sa akin yung naging amount na binabayaran ko monthly. Kaya naman palagi kong sinisigurado na nakakapagbayad ako on time at hindi ako malalampasan ng due date. Ito yung card na I'm planning na itira sa three cards ko.

Good Review

Agnes Farrel

  • Review by Agnes Farrel
  • Dec 13, 2018
Design 3.0
Fees & Charges 1.0
Customer service 1.0
Features 1.0
Total 1.5

Worst na customer service!

Nagkaroon ako ng card na ito na meron lang na maliit na credit limit. Nung tumawag ako ay sinabi nila sa akin na pwede akong mag request ng increase at hindi ito magiging problema. After ng ilang araw at nang ma-receive ko na ang card, sinabi nila na kailangan pa nilang i-review ang credit ko kung pwede akong magkaroon ng increase. Pero hindi na nakipag-communicate sa akin ang department nila after nun. Palagi nilang sinasabi na kailangang may kausapin pa ako sa ibang department nila para mai-report ito kaya lang hindi ako maka-contact sa department na yon. Sobrang nadisappoint ako sa customer service nila. Worst customer service ever!

Good Review

Marrianne Angeles

  • Review by Marrianne Angeles
  • Dec 12, 2018
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 5.0
Total 5.0

Happy with this card!

Okay ang card na ito. Talagang it works exactly tulad ng ina-advertise. 5 months ko nang ginagamit ito at naging favorite card ko na ito kaagad kesa sa ibang card ko. Okay ang mga features at kelan lang ay nagkaroon ng fraudulent charge sa account ko, na-notify kaagad ako nito ilang minuto lang thru SMS at phone call. Sinend pa nila kaagad sa akin ang replacement ng card nang hindi ko naman sinasabi pa. Nag-aalala ako na wala sa akin ang card ko pero nagkaroon agad ako ng bago within two days. Isang major plus pa ay nag-send sila ng email sa akin nang walang na nag-list ng mga charges na parang di okay. Nagawan kaagad ito ng paraan at nai-correct ang mga issues.

Good Review

Maricris Villalon

  • Review by Maricris Villalon
  • Dec 11, 2018
Design 4.0
Fees & Charges 1.0
Customer service 2.0
Features 2.0
Total 2.3

Too many charges and fees

Gusto ko nang isoli ang credit card na ito. Sakit sa ulo. Nabayaran ko na kasi ang total amount due ko na 20thousand pesos last October 2018 pa sa branch nila dito sa Cavite pero nung nag-inquire ako sa Phone banking, nabayaran ko lang daw eh 1800 pesos. Gusto ko na ring i-cancel yung iba pang charges like yung Credit Protect with TPD. Hindi ko na mababayaran ito dahil nag-resigned na ako sa work ko. Kaya di ko na kayang mag maintain ng credit card. Sana ay ma-cut na ito sa lalong madaling panahon. Base sa experience ko, maraming china-charge na mga fees ang Metrobank Credit Card na magugulat na lamang ako pagdating ng bill kasi hindi ko alam yung ibang mga charge kuno nila.

Good Review

anjoe

  • Review by anjoe
  • Nov 29, 2018
Design 5.0
Fees & Charges 5.0
Customer service 5.0
Features 4.0
Total 4.8

The ultimate cards

For this kind of credit card mostly yong metrobank lang yong nagbibigay ng small interest tsaka charges, bastat alam mo yong responsibility nito as a customer. And sakatunayan nga yong mama ko is nagbigay siya saki ng ganitong card for the sake na may maipon akong pera para sa sarili ko. Good thing kasi binigyan na kami ni mama and dad ng shares sa bawat anak nila. And kami totally metrobank lahat ang ginagamit namin hindi lang credit meron din kaming debit for metrobank parin. Masyaa ako kasi mahal kami ng magulang namin. hindi niya hinahayaan na magutom kami kaya ako babawi ako sa lahat ng binigay ng mam ko at dad ko in the future.

Good Review

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Information

Reviews

Forum

Please feel free to post your questions on this product.

Start a new topic

Anong pagkakaiba?

Me is Ramell

  • Me is Ramell
  • Nov 29, 2018

Sige nga kung maganda tong gamitin kasi maraming nagsasabi na maganda raw to compared to other credit cards and mostly sa atin yong pinaktinatanong is kung malaki ba yong interest and charges yon lang naman din yong pinakaconcern nila kasi ngalan ng pera alangan man na pabayaan diba e pera ng tao yon. So ang tanong ko ngayon, what is the difference between this card to other credit cards?

Daleen Rose

  • Daleen Rose
  • Jun 17, 2019

I have not used metrobank before pero sabi nila okay naman daw ang banko na ito

Good Answer

Laureen Kim

  • Laureen Kim
  • Jul 8, 2019

Hindi ako metrobank user so hindi ko pa nasusubukan ang service nila, malaki kasia ng fees eh

Good Answer

Yousef

  • Yousef
  • Jul 11, 2019

its good kasi waived ang annual fee nila for life, so doon palang malking bagay na, kung ako may card at na approve ako dito kukunin ko na pokasi sayang naman din talaga na merong card na walang annual fee, bihira lang yun, hindi ko lang alam kung ano ang dapat mo gawin para ma waived ang annual fee ninyo, kasi hindi naman nila ibibigay yun basta basta din.

Good Answer

Bixby1005

  • Bixby1005
  • Sep 16, 2019

waived for life talagang maganda kung ganyan ang mga cards lahat

Good Answer

lovely bones 09

  • lovely bones 09
  • Sep 17, 2019

bihira ka talaga na maka kita ng card na waived ang annual fee kaya pag na approve ka sa ganyan kunin niyo na kasi hindi mo makukuha yan sa ibang mga card kaya mas okay kung kunin niya at minsan lang yung ganyan an offer sa mga banko, ako never pa ako nagka card na waived ang annual fee kaya i will try to apply on this bank too

Good Answer

lyka ca

  • lyka ca
  • Oct 23, 2019

nice po yong mga discount kapag ka may ganito kang card tapos pa may points ka na maeearn kapag loyal ka sa kanila, tapos pa may tips yan sila na makakadagdag pa lalo ng mga points mo. alam ko ang services nila kasi matagal na akong card holder ng card ko ngayon which is the metrobank . kaya masasabi kong maganda ang services nila alam mo?. ang mas mabuting gawin mo jan instead na magtatanong ka why not don sa kanilang company? ng malaman mo rin ang mga services, points and promos nila kasi magtatanong ka dito tapos minsan not accurate ang mensahe kaya i suggest na maginquire ka don kung gusto mo ng ganitong card. nag-aaksaya kalang ng oras mo dito kung tutuusin may mga malapit na branch naman po yan ang metrobank ngayon ee may mas be better pa namn dito pero ako still loyal parin ako dito sa card ko hanggang ngayon.

Good Answer

Reply

Unexpected promo

lowela

  • lowela
  • Nov 27, 2018

Maganda talaga yong Metrobank card ko kasi aside pa sa magandang services nila eh may maganda rin silang interest tsaka may promo pa para sa mga regular customers nila. Kya nga di to na ako eh. Every end of the year mayron niyan silang promo ganda diba?. Kapag ba matagal ka na na customer I mean suki ka nila, ano ba yong mas maibibigay pa ninyo bukod sa maganda na ang services niyo? May mga unexpected promo ba kaming matatanggap this year?

Reply

The offers

irish reyes

  • irish reyes
  • Nov 16, 2018

May mga multiple points kung mag-aaply tayo sa kanilang companya ? tapos ano pa yong mga other offers nila pag may ganito na tayong card? kasi gustong gusto kung magkaroon nang ganito. Ano po yong pinakamagandang cards bukod pa rito? kasi mas okay pa kung sigurado tayo para naman secured yong pera and accounts natin? Ano ba yong mas magandang services?

Reply

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