If you're one of Lazada's most loyal online shoppers, you should definitely consider getting the UnionBank Lazada Credit Card. After all, why scramble for spare change every time the delivery person knocks on your gate when you can use a credit card to easily pay for your purchases? If you're in the market for a credit card, you might as well get a co-branded one with your preferred online shopping app.
Learn more about this card's online shopping perks in this UnionBank Lazada Credit Card review.
UnionBank Lazada Credit Card: Key Features
Before we start the UnionBank Lazada Credit Card review, it's only fair to check out the card's key features. Never skip this step when comparing credit cards.
- Annual fee: ₱3,000 (free for the first year)
- Interest rate: 3%
- Minimum monthly income requirement: ₱30,000
- Cash advance fee: ₱200 per transaction
- Late payment fee: ₱1,000
- Overlimit fee: ₱500
- Card replacement fee: ₱400
UnionBank Lazada Credit Card Review: Why Should I Shop Using This Card?
Apply for this credit card to upgrade your online shopping experience. While it offers perks for non-Lazada users, loyal Lazada customers will benefit the most.
🛍️ 6x Lazada Credits for Every ₱200 Spend on Lazada
The biggest incentive to apply for this credit card is the chance to earn Lazada credits in the quickest way possible. For every ₱200 you spend on Lazada, 6x credits will be credited directly to your Lazada Wallet. If you use your credit card at other shops, you still earn ₱1 credit for every ₱200 spend.
🛍️ ₱5,000 Lazada Credits for New Cardholders
Speaking of Lazada credits, you'll instantly receive ₱5,000 Lazada credits when you get approved for a UnionBank Lazada credit card. Terms and conditions apply.[1]
🛍️ Free Lazada Vouchers All Year Round
Voucher hunters, make some noise! Your UnionBank Lazada credit card entitles you to a ₱250 discount voucher during Lazada's mega sales. Plus, you'll also get free ₱50 shipping vouchers every month. Terms and conditions apply.
🛍️ Exclusive Perks from Lazada
To wrap things up, your UnionBank Lazada credit card grants you access to exclusive discount deals from select LazMall merchants. You also get first-hand access to big Lazada sales, which means you get first dibs on exclusive deals from hundreds of brands on the Lazada platform.
Interested? Check out a rundown of its features:
Read more: How to Apply for a UnionBank Credit Card: 3 Easy Steps to Follow
What Other Perks Can I Get from a UnionBank Lazada Credit Card?
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Aside from the Lazada perks, you can also expect other useful features that can help improve your online shopping experience.
☑️ Free Virtual Card
The Lazada Credit Card comes with a free virtual credit card, accessible via the UnionBank Online app. This means you can still shop and enjoy the perks of your credit card even when you don't have the physical card. It also adds a new layer of protection when you're shopping online.
So download the app and shop away!
☑️ Contactless Payment
Aside from using your credit card online, you can also safely use your UnionBank Lazada credit card in malls with contactless terminals. Since this card is contactless-enabled, you don't need to swipe your card and sign anything to finish a transaction.
Read more: Fast and Easy Application: Here’s How to Get a Credit Card Online
UnionBank Lazada Credit Card Alternatives
Not a loyal Lazada customer? If you want to upgrade your online shopping experience, check out these equally great alternatives—the Lazada app is not required!
| Credit Card | Online Shopping Perks |
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Metrobank Titanium Mastercard®
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HSBC Red Mastercard
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Security Bank Gold Mastercard
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BPI Rewards Card
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UnionBank Lazada Credit Card
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Looking for more? Check these out:
💳 UnionBank Rewards Credit Card
If you don't want to stray away from UnionBank, consider the UnionBank Rewards Credit Card, which earns 1 point per ₱30 spend. Get 3x the points when using your card at shopping boutiques, department stores, and restaurants here and abroad.
🎁 Free Gift from Moneymax: Apple AirPods 2, Dolce Gusto Mini Me, Marshall Willen, JBL Tune 720BT, or Giftaway Cash Credits
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Eligible card: UnionBank credit cards
Promo period: Until September 30, 2024
Get Apple AirPods 2 worth ₱8,490; Nescafe Dolce Gusto Mini Me worth ₱6,699; Marshall Willen Speaker worth ₱6,590; JBL Tune 720BT Wireless Headphones worth ₱4,699; or Giftaway cash credits worth ₱4,000! Just apply for any eligible UnionBank credit card via Moneymax, get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date.
This Moneymax UnionBank welcome gift promo runs until September 30, 2024 only.
Per DTI Fair Trade Permit No. FTEB-199168 Series of 2024. Terms and conditions apply.
Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.
💳 Metrobank Titanium Mastercard®
Earn points quickly for your online shopping with the Metrobank Titanium Mastercard®. Get up to 2x points on online purchases, dining, and department store transactions; plus 1 point for every ₱20 spend. Waive your annual fees if you apply for this card until February 29, 2024 and meet the required annual spend of ₱180,000.
Read more: Metrobank Credit Card Application: Eligibility, Requirements, and More
Want even more points when you shop online? The HSBC Red Mastercard earns 4x reward points on all online, shopping, dining, and overseas purchases. Plus, it also earns a 3% rebate on Caltex fuel purchases all year round.
Read more: HSBC Credit Card Application: 4-Step Guide for First-Timers
💳 Security Bank Gold Mastercard
With Security Bank Gold Mastercard's SecureCode, you’ll always receive a one-time password to confirm your online transactions. Use this card to earn 1 point for every ₱20 spend. You also get to enjoy exclusive rewards and promos all year round.
Read more: How to Apply and Get Approved for a Security Bank Credit Card
💳 BPI Platinum Rewards Mastercard
Ready for more credit card perks? With the BPI Platinum Rewards Mastercard, earn 2 BPI points for every ₱30 local spend and 2 BPI points for every ₱20 foreign spend. You also get up to 180 days of purchase protection insurance for your online purchases.
Read more: BPI Credit Card Application: Requirements, Process, and More
Final Thoughts
And that's it for our UnionBank Lazada credit card review. Are you ready to step your online shopping game up a notch? Start preparing your credit card requirements and apply today!
But if you don't want to rush things, keep comparing credit cards and see what fits you best. Click the banner to get started.
Source: [1] Lazada Credit Card
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