• Union Bank Insular Life Visa Card

    Union Bank Insular Life Visa Card
    Credit Card
    Annual Fee
    Reward type
    Union Bank Insular Life Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Travel, Groceries, Shopping, Dining and Entertainment

    UnionBank is a popular bank in the Philippines. You can choose the perfect credit card from a wide range of credit cards offered by the bank. UnionBank Insular Life Visa Card is a great card for enjoying a lovely lifestyle along with a secured future.

    Features and Benefits

    Let us take a look at some of the features and benefits provided by Union Bank Insular Life Visa Card:

    • Bill manager: You can make UnionBank Insular Life Visa Card your bill organiser. This card will allow you to make all your utility bills on one due date. With this feature, you can avoid waiting in long lines at the bank.
    • Easy payment processes: You can pay your credit card bills conveniently over-the-counter at any UnionBank branch. You may also make payments at certain UnionBank ATMs. You can make payments through Megalink and BancNet ATMs across the entire nation. If you are a UnionBank Depository account holder, you will be able to pay through Automatic Debit Arrangement or on the official website of the bank. You can choose from any of these several payment channels.
    • Rewards: UnionBank Insular Life Visa Card will provide you with a wide range of rewards so that you can enjoy your interests and passions to the fullest. With this card, you will receive rewards such as cash rebates, fuel benefits, dining offers, air miles, shopping rewards, etc. You will be allowed to decide how you want to transform your reward points. After you collect a few points, you can redeem them as you wish.
    • Payment in Pesos: With a UnionBank Insular Life Visa Card, you can make payments for overseas transactions in Pesos.
    • Cyber statements: You will receive a Statement of Account through e-mail right after the money is deducted from your credit card account. This will help you track all your credit card bills without any hassle.
    • Can be used across the whole world: You can use your UnionBank Insular Life Visa Card in over 16 million establishments across the entire globe that have Visa connectivity.
    • Non-stop customer service: UnionBank offers 24-hour customer service for any banking-related assistance. You can contact the customer-care centre even on holidays and weekends.
    • Payments through installments: You will be able to make payments in installments as per your convenience. This way, you do not have to worry about paying in full for something that you want to buy. You can pay in 36 installments at 0% interest on a monthly basis.
    • Credit life insurance: With UnionBank Insular Life Visa Card, you will get a life insurance so that your loved ones will be financially secure in case of any unforeseen incident such as death or permanent disability.
    • Higher credit terms: This credit card will give you longer credit terms through which you can pay your card bills over a long period of time.

    Rewards

    Let us take a look at the rewards offered by UnionBank Insular Life Visa Card:

    • Reward points: You will get reward points whenever you spend P40 with this card. You can collect these reward points and then modify them into free fuel, cash rebates, dining privileges, air tickets, etc.
    • Birthday perks: If you opt to be an Extra Special Policyholder of Insular Life, you will receive a special breakfast treat on your birthday. Apart from this, you can have a yearly medical check-up for free!
    • Exclusive treatment before flight departure: With this card, you can enjoy free access to Club Manila Lounge in NAIA Terminal 1. You can also savour delicious soup, alcohol, and sandwiches.
    • Travel privileges: You can redeem your reward points to fly with Cebu Pacific or SEAIR for free!

    Supplementary Cards

    When you choose a UnionBank credit card, you will get unlimited supplementary cards. With these cards, your family members can enjoy the benefits of your primary credit card. Unlimited supplementary cards are very advantageous as it will help your entire family to make great savings.

    Eligibility Criteria

    Let us take a look at the eligibility criteria for UnionBank Insular Life Visa Card:

    • You should have a landline phone in your residential or commercial space.
    • You should be at least 18 years old and not more than 60 years old.
    • Your gross annual income should be at least P600,000.
    • You should be employed or you should have your own business for a minimum of 1 year.

    Documents Required

    Let us take a look at the documents required for UnionBank Insular Life Visa Card:

    ID proof

    You will have to give a copy of 2 valid IDs with your signature and photograph along with 3 specimen signatures.

    Billing address proof

    If you live outside Metro Manila, you will have to give your latest address proof statement.

    Income proof

    • For salaried individuals:

    You will have to give BIR form 2316(W-2).

    • For self-employed individuals:
    • You will have to provide Department of Trade and Industry Certificate of Business Name Registration.
    • You will have to provide Income Tax Return BIR form 1701 or 1702 with your bank stamp or BIR.

    You can send these documents via email, fax, or by mailing it to the address of the bank.

    Fees and Charges

    You will have to pay the following fees and charges for your UnionBank Insular Life Visa Card:

    Annual fee P1,500
    Interest charge (Monthly effective interest rate) 3.5%
    Late payment fee P500 or 6% whichever is higher
    Overlimit fee P500
    Returned cheque fee P1,000
    Cash advance fee P300 or 6% of the transaction amount, whichever is higher
    Dispute fee P1,000
    Pre-termination fee 5% of outstanding balance or P500
    Sales slip retrieval fee P200

    How to apply for Union Bank Insular Life Visa Card

    You can apply for a UnionBank Insular Life Visa Card via email, fax, or mail. You can also apply online by filling all the required fields and clicking on the submit button on the official website of the bank.

    How to Report a Stolen or Lost Credit Card

    You can call the customer service hotline of the bank at (02) 841-8600 or call the domestic toll free number at 1-800-1888-2277. With the lost card protection feature provided by the bank, you will not be charged with any financial liability if your card is used for any fraudulent purpose. However, you will have to report to the bank immediately after you realise that your card is missing. You will have to pay P400 to get your card replaced.


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