Credit cards make spending easy and help you organize your finances. Whether you’re a credit card newbie or looking for a reliable backup, UnionBank has a wide range of options for you. The bank’s cards are designed for different people with different lifestyles–from online shoppers and rewards hunters to discerning diners and avid travelers.
Find the right UnionBank credit card for you below:
Best UnionBank Credit Cards in the Philippines 2024
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Credit Card
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Annual Fee
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Minimum Annual Income Requirement
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Key Features
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  |
Free for life
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₱180,000
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UnionBank Rewards Credit Card
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₱2,500
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₱180,000
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UnionBank PlayEveryday
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₱1,500
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₱360,000
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UnionBank Lazada Credit Card
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₱3,000
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₱360,000
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|
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UnionBank Go Rewards Gold Credit Card
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₱3,000
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₱360,000
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UnionBank Cebu Pacific Gold Credit Card
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₱3,000
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₱360,000
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|
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UnionBank Cash Back Platinum Visa
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₱4,500
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₱180,000
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What are the Features of a UnionBank Credit Card?
Each UnionBank credit card has specific attributes that make it compatible with a certain lifestyle. Nevertheless, all UnionBank credit cards come with the following features and benefits:
- In-house installment – With this feature, you can pay in fixed monthly installments when you withdraw cash using your credit limit, transfer your non-UnionBank credit card balances to your UnionBank credit card, or convert your billed statement balance or straight retail transactions.
- Credit Insurance – In case something happens to you, this insurance covers your outstanding credit card balance. Coverage is up to ₱2.5 million.
- Life Insurance – This exclusive offering gives you access to a 4-in-1 insurance plan with U Life. The rate is ₱33 per day.
- Car Insurance – With your UnionBank credit card’s Car Secure Insurance Plan, you can get a car insurance policy that will financially protect you during unforeseen events.
- Globally accepted – Spend conveniently anywhere in the world with your UnionBank credit card. More than one million stores and establishments around the globe accept UnionBank credit cards. Just look for the Visa and Mastercard logos.
- Cash Advance – In case you’re short on cash, you can always withdraw from an ATM using your UnionBank credit card. Fees and charges apply.
- Longer credit terms – Your UnionBank credit card lets you enjoy up to 53 days credit with 0% interest from the cut-off date to payment date if the full balance is paid.
- Flexible monthly payments – With your UnionBank credit card, you can easily manage your monthly payments. You only need to pay 4% of your total outstanding balance or ₱400, whichever is higher, or any amount in between.
- Supplementary cards – You can share your credit limit and UnionBank credit card features with your family and friends. Supplementary cardholders must be at least 14 years old.
- PayEasy – With this feature, you can enjoy 0% interest installment up to 36 months at more than 7,000 merchants nationwide.
- PayBill – Use this feature to automatically charge your utility bills to your credit card. Enroll your billers and remember only one due date.
- 24/7 customer service – If you have questions and concerns regarding your UnionBank credit card, just contact UnionBank’s customer service team, available 24/7, including holidays.
- Advanced security protection – There are various security features to protect your credit card, such as smart chip, OTP, transaction alerts, credit card controls, and more.
- Access to UnionBank Online – View your credit card balance and track your spending by creating a UnionBank Online account. Access your account via your favorite browser or the official UnionBank mobile app.
- Exclusive rewards and discounts – Your UnionBank credit card entitles you to various discounts, perks, and freebies across different spending categories like shopping, dining, and leisure.
What’s the Best UnionBank Credit Card for Me?
If you want to know which UnionBank credit card suits you best, check out the following:
The Best Cards for Newbies
Consider getting the UnionBank U Visa Platinum or the UnionBank PlayEveryday if you’re new to credit cards.
The UnionBank U Visa Platinum has zero annual fee, zero overlimit fee, and zero late payment fee, making it easy to manage. Meanwhile, the UnionBank PlayEveryday is perfect for newbies who want to maximize their cards by earning points while paying a relatively low annual fee.
The Best Cards for Shopping
If shopping is your favorite sport, the best credit card for you is either the UnionBank Platinum Mastercard or the UnionBank Lazada Credit Card.
The UnionBank Platinum Mastercard lets you earn 3x points on shopping all year round. On the other hand, the UnionBank Lazada Credit Card lets you save on your Lazada purchases, as every ₱200 you spend on the platform earns you ₱6 Lazada credits.
Also read: UnionBank Platinum Visa Card vs UnionBank Platinum Mastercard Review
The Best Cards for Travel
If you’re a frequent flyer, the UnionBank Cebu Pacific Gold, the Cebu Pacific Platinum, and the Miles+ Visa Signature make reliable travel buddies.
Both UnionBank Cebu Pacific Gold and Cebu Pacific Platinum earn you Go Rewards Points and let you enjoy priority boarding. The UnionBank Miles+ Visa Signature, meanwhile, earns you one mile for every ₱30 spend and comes with free travel insurance when you charge your travel tickets to it.
Read more: UnionBank Travel Credit Cards: 7 Best Options to Bring on Trips
The Best Cards for Grocery Shopping
The UnionBank Go Rewards Gold Visa and the Go Rewards Platinum Visa are the best cards for grocery shopping. That’s because they both earn you Go Rewards Points, albeit at different rates. After accumulating enough Go Rewards Points, you can then use them for shopping at Robinsons Retail establishments.
The Go Rewards Gold Visa comes with free 3,000 Go Rewards Points. On the other hand, the Go Rewards Platinum Visa’s welcome gift is 5,000 Go Rewards points.
The Best Cards for Earning Rewards
The UnionBank Rewards Credit Card and the Cash Back Visa Platinum are the best cards for spenders who love being rewarded every time they shop.
The Rewards Credit Card earns you 3x non-expiring points every time you shop and dine here and abroad. It also doesn’t come with annual fees.
Meanwhile, the UnionBank Cash Back Platinum Visa earns you cash back on groceries, utility bill payments, and other purchases. You can enjoy rebates of up to 6%.
Am I Eligible for a UnionBank Credit Card?
The following are the minimum qualifications and requirements for a UnionBank credit card application:
- Must be between 18 and 70 years old
- Must have a valid government ID with photo and signature
- Must have a source income (to be supported by any of the following: Income Tax Return, Certificate of Employment or employment contract, payslips, BIR Form 2316, proof of pension, or bank statement of account)
- For foreign applicants, Alien Certification of Registration (ACR) or its equivalent
Read more: UnionBank Credit Card Application: Guide to Requirements and Process
How Can I Pay My UnionBank Credit Card Bills?
You can settle your UnionBank credit card bills via the following channels:
- UnionBank Online (app and website) – Payment is posted in real-time.
- UnionBank branches and ATMs – Payment is posted on the same day.
- InstaPay and PESONet – Payment is posted on the same day.
- BPI ATM – Payment is posted within three banking days.
- Robinsons Bank – Payment is posted within three banking days.
- Bayad Center – Payment is posted within three banking days.
- SM Bills Payment Center – Payment is posted within three banking days.
- BancNet (online and ATM) – Payment is posted within three banking days.
Related articles:
UnionBank Credit Card Annual Fee, Interest Rate, and Other Fees to Remember
Score These UnionBank Credit Card Promos ASAP!
UnionBank Lazada Credit Card: Is It the Best Card for Online Shopping?
Moneymax Reviews: Level Up Your Game With UnionBank PlayEveryday
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