• Union Bank Platinum Mastercard

    Union Bank Platinum Mastercard
    Credit Card
    Annual Fee
    Reward type
    Union Bank Platinum Mastercard
    Annual Fee:
    Reward type:
    Travel, Groceries, Shopping, Dining and Entertainment

    UnionBank is one of the leading banks in Philippines. The bank is well known bank offering a variety of credit cards. Union Bank Platinum Mastercard credit card is one among the many credit cards offered by the bank. The card aims at making life easier for its customers by giving them a chance to save on daily expenditures. Read on to know more about the card.

    Features and Benefits

    Listed below are the features and benefits of the card:

    • It is a cashback credit card.
    • There is no cap on the cashback earned.
    • The cashback you earn does not expire.
    • The card offers additional benefits in the form of discounts and special shopping privileges.
    • The card offers 0% installment payment plan for 3, 6, 9, 12, 18 and 24 monthly installment terms.
    • You can avail free flights through Cebu Pacific through the GetGo program.
    • The card comes with a built-in travel insurance.
    • The card has an embedded chip that can protect you from credit card fraud due to cloning.
    • The annual fee is waived off for the first year for the primary and supplementary card.
    • Unlimited supplementary cards for your loved ones.
    • The card is accepted over 30 million establishments worldwide.
    • The card is available to both nationals and Foreigners.
    • Low rate of interest.
    • Hassle free application process.
    • Easy and minimal documentation.
    • Can be applied for online and offline.


    Given below is the detailed explanation of the rewards scheme on the card:

    • The card offers 1.5% cashback on every purchase made on the card regardless of the category and place.

    There is no cap on the cashback and the cashback points do not expire.

    Security Feature

    The bank has ensured that your transactions stay protected with the card:

    • SMS Alerts- Every time you make a transaction on your credit card, you will receive a message on your registered mobile number with details of the transactions.
    • Email Alerts- Every time you make a transaction on your credit card, you will receive a message on your registered email ID with details of the transaction.

    Eligibility criteria

    Given below is the eligibility criteria for the card:

    • The applicant must be a national or a resident.
    • The applicant has to be above the age of 21 years.

    Documents Required

    Given below is a list of documents required in order to apply for the card for Filipino citizens:

    For Filipino citizens

    • Proof of Income-
      • For Employed (Required): Photocopy of latest BIR Form 2316 signed by employer's authorized representative AND one of the following:
        • Original copy of Certificate of Employment and Income (COEI) indicating status, length of service, and compensation breakdown
        • Photocopy of latest full month payslip
      • For Self-Employed (Required):
        • Photocopy of Registration of Business Name
        • For Single Proprietorship issued by DTI
        • For Partnership/Corporation issued by SEC
        • Photocopy of latest ITR and W4 with BIT/Bank Stamp Audited Financial Statements for the last 2 years; OR
        • Bank Statements for the last 3 months
    • Proof of identity- Any government issued ID

    For foreigners

    • Copy of Employment Contract or Certificate of Employment
    • Letter from Embassy (if Embassy Official)
    • Submit photocopy of ANY ONE of the following:
    • Valid Passport with Resident Visa
    • Work Permit and Valid Visa
    • Special Investor's Resident Visa and Visa's Philippine Economic Zone Authority or Visa with EO22
    • ACR or ICR or ACR-1 

    Fees and Charges

    Given below is a list of fees and charges charged on the credit card:



    Primary card annual fee

    PHP1,500 p.a. (Annual fee waived for the first year)

    Cash advance

    30% limit

    Cash Advance Monthly Effective Interest Rate


    Cash Advance fee

    3% of the amount withdrawn or PHP500, whichever is higher.

    Finance Charge

    3.50% p.a.

    How to apply for Union Bank Platinum Mastercard credit card?

    Applying for card Union Bank Platinum Mastercard credit card is very easy. The applicant can either apply for the credit card online or do it offline at one of the bank’s branches in Philippines.

    • Online- The applicant can apply for the card online by visiting the bank’s official website. The employer can download the form, fill the form and submit it online. The applicant can also apply for the credit card at a third party financial website.
    • Offline- The applicant can visit the bank and apply for the credit card at one of the bank’s branches by requesting a form and submitting a duly filled form.

    How to Report a Stolen Card?

    In case you lose your Union Bank Platinum Mastercard credit card, you can contact the bank through their customer care service and the bank will cancel your lost card and arrange a card replacement. If you need cash, the bank will arrange an emergency advance that can be collected at over 245,000 outlets across 200 countries.

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