• Union Bank Home Depot Visa Card

    Union Bank Home Depot Visa Card
    Credit Card
    Annual Fee
    Reward type
    Union Bank Home Depot Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Travel, Shopping, Dining and Entertainment

    With the Union Bank Home Depot Visa Card, you can take advantage of the exclusive deals and rewards offered at any Home Depot stores in the Philippines for your home construction and renovation projects.

    Features and Benefits

    Listed below are the features and benefits of Union Bank Home Depot Visa Card:

    • Lights Installment Program: Pay for your purchases through 3 to 36 monthly installment terms at 0% interest.
    • Auto-charge Facility: Pay monthly utility bills on time with the Bill Manager Facility.
    • Discount Program: Enjoy exclusive discounts at select restaurants and shopping outlets in the Philippines.
    • Unlimited number of supplementary cards for your family members.
    • Payment Convenience: Monthly card payments can be made:
      • Over-The-Counter at Union Bank branches and ATMs
      • MegaLink and Bancnet ATMs
      • Auto-Debit Arrangement from your Union Bank savings or current account
      • Pay online at www.unionbankph.com
    • Longer Credit Terms: Get up to 53 days credit at 0% interest from cut-off date to payment due date, only if the full balance is paid.
    • Cash advance facility and e-Statement of Account are the other features and benefits of Union Bank credit cards.

    Security Features

    Most Union Bank credit cards are equipped with a smart chip that acts as an additional security feature against card duplication. The smart chip technology is used to prevent credit card fraud.

    Insurance Offered

    Union Bank offers exclusive Credit Life Insurance Plans to its credit cardholders such as:

    • U-Secure and U-Protect insurance plans offer financial protection up to P4,00,000 for you and your family in the case of untimely death or total permanent disability.
    • Car Secure Insurance Program offers 24-hour roadside assistance in the case of a flat tire or battery breakdown repair.

    Rewards Program

    Earn 1 reward point for every P20 spend on your Union Bank credit card, only if the account is in current and active status. You can visit the bank website to redeem reward items from the Union Bank Credit Cards Rewards Catalogue. Reward items include cashback offers and annual fee waivers, airline tickets via Cebu Pacific, SM gift pass, Ayala malls e-Gift certificates, and SM movie card. Another method of facilitating the redemption process is to call the bank’s customer service number at (02) 841-8600 or 1-800-1888-2277 for domestic toll-free calls.

    Supplementary Cards

    Union Bank offers unlimited number of supplementary cards. The supplementary cardholder must be minimum 14 years of age. To apply for a supplementary card, a copy of the supplementary cardholder’s ID with photo and signature has to be submitted to Union Bank along with the application form. The identity proof document can be a Passport, Company ID, Driver's License, Postal ID, PRC ID, SSS ID, BIR ID, School ID, etc. The primary cardholder of a Union Bank credit card is held liable for the credit usage and charges incurred on a supplementary card.

    Eligibility Criteria

    The applicants must meet certain eligibility criteria to apply for Union Bank Home Depot Visa Card in the Philippines. The requirements are:

    • The principal cardholder must be 18 to 60 years old.
    • The applicant must be self-employed or a salaried individual for minimum 1 year.
    • The minimum annual income requirement is P6,00,000.
    • The applicant must have a residence or business landline phone.

    Documents Required

    To apply for the Union Bank Home Depot Visa Card, you must submit the following documents as your income, identity, and address proof:

    • A copy of 2 valid ID with photo and signature, and 3 specimen signatures. It can be your Passport, Driver's License, TIN ID, GSIS e-Card, Company ID, SSS ID or other government issued IDs.
    • Income proof for salaried employees:
      • The latest Income Tax Return (ITR) BIR Form 2316 (W-2) with Bank or BIR Stamp
    • Income proof for self-employed persons:
      • The latest Income Tax Return (ITR) BIR form 1701 or 1702 with Bank or BIR Stamp
      • DTI Certificate of Business Name Registration
      • The latest Audited Financial Statements (AFS) with Bank or BIR Stamp
      • Active credit card number has to be filled in the application form
    • Income proof for applicants residing outside Metro Manila:
      • Proof of billing address (the latest statement)

    Fees and Charges

    Listed below are the various fees and charges applicable for the Union Bank Home Depot Visa Card:

    Annual fee Principal card: P1,500 Supplementary card: P750 The annual fee for the first year is waived for the principal card.
    Interest rate 3.5% per month
    Cash advance handling fee 6% of the cash advance amount or P300, whichever is higher
    Cash advance interest charge 3.50%
    Card replacement fee P400 per card
    Returned cheque fee P1,000
    Sales slip retrieval fee P200 per charge slip
    Late payment charge 6% of the amount due or P500, whichever is higher
    Balance transfer rate 0.99% per month for 14 to 18 months
    Minimum payment amount 5% of the total amount due or P500, whichever is higher
    Pre-termination fee P500 or 5% of the remaining principal balance, whichever is higher
    Refund fee P50
    Dispute fee P1,000 per invalid dispute case
    Credit Life Insurance Premium (U-Protect or U-Secure) P0.36 (U-Protect) or P0.55 (U-Secure) will be charged for every outstanding balance of P100
    Overlimit fee P500
    Overseas spending fee 2% of the converted amount
    Annual fee Principal card: P1,500 Supplementary card: P750 The annual fee for the first year is waived for the principal card.
    Interest rate 3.5% per month
    Cash advance handling fee 6% of the cash advance amount or P300, whichever is higher

    How to apply for Union Bank Home Depot Visa Card

    To apply for Union Bank Home Depot Visa Card, visit the nearest Union Bank branch, fill up the application form and submit it with the relevant income, identity, and address proofs for verification. Other channels of credit card application are:

    • Visit the bank website, fill up the application form, and submit it along with the relevant document proofs.
    • Fax the application form and documents to (02) 636-6248.
    • Mail the application form and relevant documents to Credit Card Acquisition Department, 31/F Union Bank Plaza Meralco Avenue corner Onyx and Sapphire Sts., Ortigas Center, Pasig City.
    • Send an email request to internetapps@unionbankph.com.

    Lost or Stolen Card Liabilities

    If your Union Bank Home Depot Visa Card is lost or stolen, immediately report the incident to the bank’s 24-hour customer service hotline at:

    • (632) 8418600
    • 1-800-1888-2277 for domestic toll-free calls outside Manila
    • IAC+800-8277-2273 for international toll-free calls outside the Philippines

    You shall be held liable for any transactions made using the card prior to the time of reporting the incident. A replacement fee of P400 shall be charged to replace your stolen or lost credit card.


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