• Union Bank Racks Visa Card

    Union Bank Racks Visa Card
    Credit Card
    Annual Fee
    Reward type
    Union Bank Racks Visa Card
    Annual Fee:
    Reward type:
    Travel, Shopping, Dining and Entertainment

    Do you relish ribs? You can have the yummiest ribs in town at Racks with special deals and privileges provided by UnionBank Racks Visa Card. Treat your taste buds with tantalising flame-grilled ribs available at Racks. The UnionBank Racks Visa Card is exclusively designed for anybody who loves to dine at Racks.

    Features and Benefits

    Let us take a look at the features and benefits provided by UnionBank Racks Visa Card:

    • Freebies: With the UnionBank Racks Visa Card, you will receive freebies for dining when you meet the minimum spending limits.
    • Birthday specials: You will get a birthday treat during your birthday month when you use this card at Racks.
    • Dining rewards: You can also earn exclusive dining rewards when you use this card at Racks.
    • Installment plans for payment: You can pay your credit card bills in different installments every month.
    • Auto-charge option: With a UnionBank Racks Visa Card, your credit card will get auto-charged whenever there is a requirement for additional funds.
    • Auto-insurance installments: UnionBank offers insurance for its credit cardholders. You can pay the insurance premium in installments as per the agreement between you and the bank.
    • Cash advance facility: When you are in need of cash for emergency purposes, you can make use of the cash advance facility provided by the bank for its credit cardholders.
    • Statement of account via email: You will get your credit card statement through email and this will help you monitor all the transactions made through your card. This will be sent for each month.
    • Customer service for 365 days: You will get excellent customer service throughout the day when you have a UnionBank Racks Visa Card. You can contact the bank even on holidays.
    • Discount programmes: When you take a credit card from UnionBank, you can enjoy great discount programmes.
    • Several payment channels: To make your credit card bill payment, you can choose from numerous payment channels. You can pay at any UnionPay branch or ATM. You can also check out Megalink or the BancNet ATMs. You may also try the Automatic Debit Arrangement.
    • Credit life insurance: You will get credit life insurance when you take a UnionBank Racks Visa Card.
    • Higher credit tenures: You can enjoy longer credit tenures when you take a UnionBank Racks Visa Card. This will allow you to pay your credit card bills easily without having to hurry up.

    Joining Benefits

    Let us take a look at the joining benefits offered by UnionBank Racks Visa Card:

    • The UnionBank Racks Visa Card will welcome you with a brilliant treat. When you make use of the card for the first time, you can savour a Classic Caesar Salad for free! You will have to spend a minimum of P800 for a meal at Racks in order to enjoy this reward.


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

    • You can receive exclusive freebies at Racks when you utilise your UnionBank Racks Visa Card. Whenever you spend P500, you will get a large Mac and cheese for free! You can indulge in a Memphis Pound Cake for free whenever you spend P1,000. If you make a purchase worth P1,500, you will get a single Carbonara for free!
    • Have a great birthday with special rewards offered at Racks. You can use your UnionBank Racks Visa Card at the restaurant and receive an Apple Pie A la Mode for free! What’s more, you do not have to spend any minimum amount in order to enjoy this benefit.
    • You will also be entitled to special dining rewards at Racks. Whenever you spend P20, you will gain 1 point. You can accumulate these points and then redeem for dining vouchers.

    Supplementary Cards

    When you go for a UnionBank credit card, you will receive unlimited supplementary cards. With these add-on cards, your near and dear ones can enjoy the card privileges to the fullest. Unlimited supplementary cards are really great as the card benefits can be shared among a number of people.

    Eligibility Criteria

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

    • You must have a landline phone in your residential or commercial property.
    • Your age should be between 18 and 60 years of age.
    • You should have a minimum gross annual income of P600,000.
    • You must be a salaried individual or you must be owning a business for at least 1 year.

    Documents Required

    Let us take a look at the documents that you will need while applying for a UnionBank Racks Visa Card:

    Proof of identity

    You need to provide a copy of 2 valid IDs with your signature and photograph along with 3 specimen signatures.

    Billing address proof

    If you do not live in Metro Manila, you will have to provide your most recent statement of address proof.

    Income proof

    • For salaried individuals:
    • You need to provide BIR form 2316(W-2).

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

    You can send these documents via email, fax, or you can also mail it to the postal address of the bank.

    Fees and Charges

    These are the fees and charges that you will have to pay for your UnionBank Racks 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 Racks Visa Card

    If you want to apply for a UnionBank Racks Visa Card, you can email, fax, or send a postal mail to the bank. You can also apply online on the official website of the bank by filling all the relevant fields in the online form and then click on the submit button.

    How to Report a Stolen or Lost Credit Card

    If your UnionBank Racks Visa Card gets lost or stolen, you will need to call the customer service hotline of the bank at (02) 841-8600 or the domestic toll-free number at 1-800-1888-2277. The bank gives a lost card protection feature and this will cover you against any financial liability when somebody makes unauthorised transactions. However, you will need to report to the bank immediately after you get to know that your card has been stolen or lost. You will need to pay P400 for your card replacement.

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