• Union Bank Shop & Talk Visa Card

    Union Bank Shop & Talk Visa Card
    Credit Card
    Annual Fee
    Reward type
    Union Bank Shop & Talk Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Shopping and Utilities

    The Union Bank Shop & Talk Visa Card is the only credit card that offers you free cellphone load every time you shop. Get P0.10 for every P20 spend and P50 revolving outstanding balance in your Union Bank Shop & Talk Card.

    Features and Benefits

    Listed below are the features and benefits of Union Bank Shop & Talk Visa Card:

    • Get free cellphone load every time you shop: Earn P0.10 load for every P20 spend and P50 revolving outstanding balance called the Automatic Prepaid Loading.
    • With Automatic Postpaid Bills Payment, get cash rebates for your postpaid cellphone account from your combined spending and revolving outstanding balance in your Union Bank Shop & Talk.
    • Get 5% cash rebate on your cellphone load purchase made using your Shop & Talk Card.
    • Check your balance via mobile banking, receive your e-statement of account via CyberStatement, and enjoy internet banking via Visa Online.
    • Installment Program: Pay for big ticket items via a payment plan that offers up to 36 monthly installment terms at 0% interest.
    • Pay your utility bills on time using the Auto-charge Facility.
    • Discount Program: Get exclusive discounts, offers, and deals on shopping, dining, entertainment, and service outlets across the Philippines.
    • Auto-insurance Installment Plan: Union Bank Credit Card’s Car Secure Insurance Plan comes with special discounts on insurance premiums and easy payment terms of up to 10 monthly installments at 0% interest.
    • Credit Life Insurance: Union Bank credit cardholders are offered credit life insurance coverage up to P4,00,000 of your outstanding balance in the event of untimely death or disability.
    • Union Bank offers unlimited number of supplementary cards.
    • Payment convenience: You can make your card payments at Union Bank branches or ATMs. You can also opt for auto-debit arrangement from your Union Bank savings or current account or pay online at www.unionbankph.com.
    • Enjoy flexible monthly payment, longer credit terms, cash advance facility, and 24/7 customer service.
    • Enroll in CyberStatement to receive email Statement of Account.

    Rewards Program

    Only Union Bank credit cardholders can earn rewards points and redeem reward items from the Union Bank Credit Cards Rewards Catalogue. Reward items can be cash rebates, annual fee waivers, Ayala Malls e-Gift certificates, SM gift pass, SM movie card, and airline ticket via Cebu Pacific. Redemption process can be done online via the bank website or through the bank customer service.

    Security Feature

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

    Insurance Offered

    Union Bank offers exclusive Credit Life Insurance to its credit cardholders. With U-Secure and U-Protect, As a Union Bank credit cardholder, you can get financial protection for you and your family up to P400,000 to cover your credit card bills upon death or total permanent disability.

    Supplementary Cards

    Union Bank offers unlimited number of supplementary cards. The primary cardholder of a Union Bank Shop & Talk Visa Card is held liable for the credit usage and charges incurred on a supplementary card. To apply for a supplementary card, a copy of the supplementary cardholder’s ID with photo and signature has to be submitted to the 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 supplementary cardholder must be minimum 14 years of age.

    Eligibility Criteria

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

    • The applicant must be a Filipino citizen or a Philippines resident.
    • The principal cardholder must be 18 to 60 years old.
    • He or she should be a salaried employee or self-employed for minimum 1 year.
    • The minimum annual income requirement is P6,00,000.
    • The applicant must have a business or personal landline number.

    Documents Required

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

    • A copy of 2 valid IDs with photo 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 ITR - BIR Form 2316(W-2)
      • Signed Certificate of Employment and Income
      • A copy of last 3 months payslips with Company ID (both sides)
    • Income proof for self-employed persons:
      • The latest ITR forms with BIR stamp (BIR form 1701 or 1702) and SEC or DTI registration
      • Audited Financial Statement for the last 3 years
    • Proof of billing address (the latest statement) if the applicant resides outside Metro Manila

    Fees and Charges

    Listed below are the various fees and charges applicable for the Union Bank Shop & Talk Visa Card:

    Annual fee

    Principal card: P1,500

    Supplementary card: P750

    The annual fee is waived for the first year.

    EIR

    3.5% per month, calculated on a daily basis

    Cash advance fee

    6% of the amount withdrawn or P300, whichever is higher.

    Cash advance Over-the-Counter fee

    P500 per transaction

    Overlimit fee

    P500

    Pre-termination fee

    P500 or 5% of the remaining principal balance, whichever is higher

    Sales slip retrieval fee

    P200 per charge slip

    Credit Life Insurance Premium (U-Protect/U-Secure)

    P0.36 for U-Protect or P0.55 for U-Secure will be charged for every P100 outstanding balance

    Late payment charge

    6% of the overdue amount or P500, whichever is higher.

    Minimum amount due

    P500 or 5% of the total amount due, whichever is higher

    Foreign currency conversion fee

    Currency rates available in the wholesale currency markets or the government-mandated rates plus 2% processing fee

    Returned cheque fee

    P1,000

    Dispute fee

    P1,000

    Refund fee

    P50

    Replacement card fee

    P400 per card

    How to apply for Union Bank Shop & Talk Visa Card

    Visit the Union Bank website to download the application form. Fill up the form and submit it with the necessary income, identity, and address proofs to the nearest bank branch for verification. You can also submit the application form and documents online on the bank website or fax it to the bank at (02) 636-6248.

    Lost or Stolen Card Liabilities

    If your Union Bank credit card is lost or stolen, you should immediately report the incident to the bank’s 24-hour customer service hotline at (02) 841-8600, 1-800-1888-2277 for domestic toll-free calls outside Manila, and international toll-free number IAC+800-8277-2273. You shall be held liable for any transactions made using the card prior to the report. A replacement fee of P400 shall be charged to replace your stolen or lost card.


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