UnionBank Gold Visa Card: Ways to Make the Most of It

If you’re looking for a no-nonsense credit card that gets the job done, consider the UnionBank Gold Visa Card. While positioned as a card for travelers, it’s also designed for everyday purchases, making it ideal for household heads, young professionals, and practical spenders.

With its features and benefits, the UnionBank Gold Visa Card can help you organize your finances while earning you exclusive rewards. Want to know how this card does just that? Read on to learn more:

UnionBank Gold Visa Card: Key Features

Here are the highlights of this UnionBank Visa credit card:

Annual fee: ₱2,500
Interest rate: 3%
Cash advance fee: ₱200 per transaction
Late payment fee: ₱1,500 or unpaid minimum amount due, whichever is lower
Overlimit fee: ₱500
Foreign transaction fee: 3%
Card replacement fee: ₱400 per card
Pre-termination fee: ₱500 or 5% of the remaining balance, whichever is higher

What’s the Credit Limit of the UnionBank Gold Visa Card?

The UnionBank credit card limit of the Gold Visa Card will depend on different factors, such as your credit history^[1] and income. The bank may even include your experience with credit cards.

Usually, the bank grants applicants a relatively high credit limit if their credit score is favorable. However, manage your expectations, as you may get a low credit limit at the start.

Don’t lose heart, though! Pay on time and manage your credit utilization ratio. This will prove that you’re a responsible cardholder, which will then increase your chances when you apply for a higher credit limit.

Who is the UnionBank Gold Visa Card Ideal for?

The UnionBank Gold Visa Card primarily has premium travel rewards, making it ideal for those who go on trips regularly.

But since it’s a rewards credit card, the UnionBank Gold Visa card is also perfect for everyday spenders. As such, parents, online shoppers, and young professionals can benefit from it.

Also read:
The Best UnionBank Credit Cards in the Philippines 2024
UnionBank Credit Card Application: Guide to Requirements and Process

UnionBank Gold Visa Card: Why It’s Great for Everyday and Recurring Expenses

Below are some of the UnionBank Visa Gold Credit Card benefits that help you optimize your spending:

Earns Non-Expiring Points

Use your UnionBank visa credit card for your daily purchases and earn 1 point for every ₱35 spend. Accumulate enough points and redeem them for any of the following:

Mabuhay Miles – Transfer points to Philippine Airlines’ Mabuhay Miles Frequent Flyer Program and exchange them for free plane tickets.
Petron Value Card – You can use your points to load your Petron Value Card and use them to purchase Petron fuel.
Gift certificates – Use your points to get SM or Rustan’s gift certificates.
Entertainment and leisure – Use your points to get SM Movie passes, with options like Regular, Director’s Club, and IMAX.
Annual fee waiver or rebates – Use your points to cover your primary and supplementary cards’ annual fees. You may also get cash credits.

Also read: UnionBank No Annual Fee: Credit Cards Without Yearly Membership Charges

Comes With an Installment Scheme for Various Transactions

Your UnionBank Gold Visa Card lets you pay in monthly installments when you carry out any of the following transactions:

Convert existing credit limit into cash.
Convert straight purchases or billed statement balance.
Transfer non-UnionBank credit card balances.

Remember that all in-house installment requests are subject to UnionBank’s approval.

Comes With 0% Installment for Big-Ticket Purchases

Whether you’re upgrading to a new gadget or refreshing your wardrobe, the UnionBank PayEasy program lets you get your haul at 0% interest for up to 36 months. You can enjoy this payment scheme at more than 7,000 in-store merchants nationwide.

Moreover, the UnionBank PayEasy program lets you delight in exclusive discounts and offers across various categories.

Automates Utility Bills Payments

This UnionBank Visa Credit card lets you access PayBill, a program where you can auto-charge utility bills to your credit card. With this feature, you only need to remember your card’s payment due date for all the bills you’ve enrolled.

Accepted billers include Globe, Meralco, PLDT, and Smart, among others.

Lets You Access Exclusive Discounts

One of the most exciting UnionBank Visa Gold Credit Card benefits is that it entitles you to exclusive discounts and offers across different spending categories: travel, shopping, and dining.

As of this writing, UnionBank partners with the following establishments to offer either discounts or freebies:

F1 Hotel Manila
Two Seasons Boracay Resort
Fairways and Bluewater Boracay
Plaza Premium Lounge
Holy Cow
Cafe France
Burger King
Yellow Cab
Chowking
Shiseido
Love, Bonito (online)
Designer Blooms
MetroMart

Note that you can only avail of these brands’ discounts within their respective promo periods. Check out UnionBank’s Discounts and Promos page for the updated list of offers.

Makes In-Store Payments Easy

Shopping at physical stores is much easier with Visa payWave. With this feature, all you need to do to pay your bill is to wave your card at the store’s reader. This works for purchases under ₱2,000.

You don’t have to worry about unknowingly making a purchase in case you walk past a reader. That’s because you’re required to hold your UnionBank Visa Card four centimeters within the reader’s proximity for more than half a second. More importantly, the cashier is required to enter the purchase amount to initiate the transaction.

The Visa payWave feature is available at the following establishments:

Army Navy
Brothers Burger
Bon Chon
Healthy Options
Jamba Juice
Kenny Rogers
Starbucks
Robinsons Supermarket
Mercury Drug
Sbarro
The Coffee Bean and Tea Leaf
Yellow Cab

Comes with Free Airport Lounge Access

Airports can be stressful, but thankfully, you can always take refuge in a classy and cozy lounge. Your UnionBank Gold Visa Card entitles you to unlimited pre-departure lounge access at Marhaba^[3]and PAGSS.

Just present your UnionBank credit card, unused boarding pass, and a valid government-issued ID bearing your picture.

This perk is available at the following lounges:

Marhaba at NAIA Terminals 1 and 3
PAGSS at NAIA Terminal 1 (international) and Terminal 3 (domestic and international); Francisco Bangoy International Airport (domestic and international); and Puerto Princesa International Airport (domestic and international)

Final Thoughts

The UnionBank Gold Visa Card is one of the best cards out there when it comes to everyday spending. Not only does it help you track your expenses and organize your expenses but it also rewards you with points and exclusive discounts. What makes this card more exciting is that you can enjoy all those perks at a relatively low annual fee.

Sources:

UnionBank Gold Visa Card: Features That Make It Great for Everyday Spending

Jay Pagkatotohan

UnionBank Gold Visa Card: Key Features

What’s the Credit Limit of the UnionBank Gold Visa Card?

Who is the UnionBank Gold Visa Card Ideal for?