List of UnionBank No Annual Fee Credit Cards

When used right, credit cards can help you organize your finances. They make spending easy and help you track your spending. They also let you access a world of exclusive perks and privileges.

But they are usually not without fees and charges, with annual membership fees being the most notorious of them all. Thankfully, it’s possible to avoid paying such fees with a UnionBank no annual fee credit card.

Read on to see your options.

What is a UnionBank No Annual Fee Credit Card?

As its name suggests, a UnionBank no annual fee credit card is a credit card that doesn’t require you to pay membership fees, which are billed yearly. Usually, a no-annual fee benefit is a card’s innate and automatic feature, meaning it already comes with the card the moment you receive it.

However, a no-annual fee benefit may also be a bank promo for cards that otherwise have annual fees. Typically, you can enjoy such a privilege when you meet the minimum spend requirement within a promo period.

Why Choose a Credit Card With No Annual Fees?

There are many reasons to get a UnionBank no annual fee credit card. Here are some of them:

If you get a no-annual fee card, you won’t have to pay yearly membership charges. You can put the money towards your savings. To put things in perspective, the annual fees of UnionBank credit cards start at ₱1,500.
No-annual fee credit cards are beginner-friendly. If you’re a newbie, you can explore the world of credit spending without the burden of paying yearly fees.
Some no-annual fee credit cards come with additional features that’ll save you money, such as zero overlimit and late payment fees.

UnionBank No Annual Fee Credit Cards: Your Top Options

Currently, UnionBank’s roster of no-annual fee credit cards include the following:

💳UnionBank S&R Visa Platinum

Interest rate: 3%
Late payment fee: ₱1,500 or the unpaid minimum amount due, whichever is lower
Overlimit fee: ₱1,500 or the highest overlimit within the billing period, whichever is lower
Cash advance fee: ₱200 per transaction
Features:
- Unlimited rebates on S&R purchases
- Free S&R New York Style Pizza for a specific spend amount
- Automatic renewal of your S&R membership
- Comes with a virtual card

If you’re a loyal S&R customer,^[1] this UnionBank credit card with no annual fee is for you. Its features include unlimited 3% rebates on your purchases at S&R. If you use your credit card for dining and shopping at other establishments, you get unlimited rebates of up to 1%.

Moreover, you can enjoy a free S&R New York Style Pizza for every ₱30,000 spend at S&R stores. However, take note that this reward is capped at four pizzas per year.

Also read: Score These UnionBank Credit Card Promos ASAP!

💳UnionBank U Visa Platinum

Interest rate: 3%
Minimum monthly requirement: ₱15,000
Late payment fee: None
Overlimit fee: None
Cash advance fee: ₱200 per transaction
Features:
- 10% rebates on interest charges
- No late payment and overlimit fees
- Comes with a virtual card

Credit card newbies will fall in love with the UnionBank U Visa Platinum. This UnionBank credit card with no annual fee doesn’t even charge late payment and overlimit fees.

The UnionBank U Visa Platinum card rewards you with 10% interest rebates on interest charges when you pay at least the minimum due amount on or before the due date. Furthermore, this card comes with a virtual card, making every online shopping sesh safe and secure.

💳UnionBank U Mastercard Platinum

Interest rate: 3%
Minimum monthly requirement: ₱15,000
Late payment fee: None
Overlimit fee: None
Cash advance fee: ₱200 per transaction
Features:
- 10% rebates on interest charges
- No late payment and overlimit fees
- Comes with a virtual card

This no-annual fee UnionBank credit card is exactly like the UnionBank U Visa Platinum, only Mastercard-branded.^[2] With this plastic, you don’t have to worry about covering late payment and overlimit fees.

Responsible cardholders are rewarded with a 10% cash back on interest charges. You can enjoy this perk when you pay at least the minimum due amount on or before the due date.

Love online shopping? Get your haul without the fear of having your credentials compromised with the help of a virtual card.

Also read: UnionBank Platinum Visa Card vs UnionBank Platinum Mastercard Review

💳UnionBank Rewards Credit Card

Annual fee: No annual fees for life when you apply with Moneymax and spend at least ₱20,000 within 60 days of approval. Promo runs until December 31, 2024
Interest rate: 3%
Minimum monthly requirement: ₱15,000
Late payment fee: ₱1,500 or the unpaid minimum amount due, whichever is lower
Overlimit fee: ₱1,500 or the highest overlimit within the billing period, whichever is lower
Cash advance fee: ₱200 per transaction
Features:
- 1 point for every ₱30 spend
- 3x points when you shop and dine here and abroad
- Points exchangeable for cash credits, merchandise, gadgets, and more

If you’re looking for a shopping credit card from UnionBank with no annual fee for life this 2024, the UnionBank Rewards Credit Card^[3] is a good candidate.

You can use this card for everyday expenses, such as groceries, as it earns you 1 point for every ₱30 spend. It’s also fit for travelers since it earns you 3x points when you shop locally or internationally.

This UnionBank no-annual fee promo runs until December 31, 2024. Keep in mind that a minimum spend of ₱20,000 within 60 days of approval is required to enjoy the perk.

How to Choose a Credit Card Without an Annual Fee?

Just because a credit card doesn’t have annual fees doesn’t mean you’ll apply for the first card that will come your way. You need to check if a card fits your needs and lifestyle.

Check out these guidelines when getting a UnionBank no-annual fee credit card:

Get the UnionBank U Visa Platinum or UnionBank U Mastercard Platinum if you’re a credit card newbie.
Get the UnionBank S&R Visa Platinum card if you frequently shop at S&R for groceries.
Get the UnionBank Rewards Credit Card if you want a flexible card that you can use for daily expenses and travels here and abroad. It’s also great for newbies who want to experience earning points.

Final Thoughts

A UnionBank no annual fee credit card is your best bet when you want to enjoy credit spending without the burden of yearly membership fees. It’s the perfect choice for newbies but it also makes a great back-up card for experienced credit cardholders.

Sources:

UnionBank No Annual Fee: Credit Cards Without Yearly Membership Charges

Jay Pagkatotohan

What is a UnionBank No Annual Fee Credit Card?

Why Choose a Credit Card With No Annual Fees?