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Metrobank M Free Card®
Credit cards

Metrobank M Free Card®

Updated: 21.09.2022

About credit card<

The Metrobank M Free Mastercard allows you to experience the pleasures and benefits of the metro. With this card, you can enjoy the benefits of a credit card without having to pay annual fees.

Features of the Metrobank M Free card

Below are some of the features of this card:

  • Contactless card. With a single touch on any contactless-enabled card processor with the contactless symbol, your contactless credit card allows safe and quicker paperless payments everywhere. You will also benefit from faster transaction times without the requirement to sign for everyday transactions for ₱2,000 or less.
  • M here. With your Metrobank credit card, you may get discounts, gifts, and fantastic offers at M here partner places.
  • 0% installment. Avail of the 0% installment option from a wide choice of merchant businesses. Use the installment option to pay for large-ticket products such as appliances, electronics, tuition, healthcare bills, travel costs, and lodging over 3, 6, 9, 12, 18, and 24 monthly instalments.
  • Supplementary cards. Share your credit card perks with loved ones while yet controlling their spending.
  • Chip card. Your Metrobank credit card contains an integrated chip that can safeguard you from credit card theft caused by cloning, which occurs when your private and account information is duplicated and transferred to a counterfeit card.

Pros and cons

Before applying for this card, check out these honest pros and cons.


  • The card comes with a special chip that protects it from credit card theft.
  • This card offers the 0% installment program.


  • The bank investigates your credit history before they approve an application.
  • There is a risk of overspending with this card, just with any other credit card, especially one with reward points.

How to apply for the Metrobank M Free Card®?

Below are the steps to apply for an M Free card:

  1. Visit the Metrobank website.
  2. Click on Menu and then Cards.
  3. Look for the Metrobank M Free Card® and then click on View card details under it.
  4. Go down and click on either Apply for a principal card or Apply for a supplementary card, depending on what you want.
  5. Supplementary card applicants should go through all the eligibility test steps to make sure they are eligible for a card. You will be given a link to download the card application form if you meet all the requirements.
  6. Download and fill out this form entirely, and then send it via email to
  7. New card applicants should go through all the eligibility tests, and a new window will open if they meet them.
  8. Input your correct contact, personal, and other details, and go through them thoroughly to make sure they are correct.
  9. Click on Submit.
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