• Union Bank The North Face Visa Card

    Union Bank The North Face Visa Card
    Credit Card
    Annual Fee
    Reward type
    Union Bank The North Face Visa Card
    Annual Fee:
    Reward type:
    Travel, Shopping and Entertainment

    With Union Bank The North Face Visa Card, you never have to stop exploring. This credit card offers exclusive deals and offers on performance apparel, footwear, and equipment for accomplished mountaineers, climbers, explorers, and endurance runners.

    Features and Benefits

    Listed below are the features and benefits of Union Bank The North Face Visa Card:

    • Lights Installment Program: Cardholders can pay for purchases through 3 to 36 monthly installment terms at 0% interest.
    • Auto-charge Facility: Cardholders can 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: Union Bank offers unlimited number for supplementary cards for your family to enjoy.
    • Payment Convenience: Monthly card payments can be made over the counter at Union Bank branches and ATMs, MegaLink and Bancnet ATMs, via Auto-Debit Arrangement from your Union Bank savings or current account, or 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, 24/7customer service, worldwide recognition, 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 EMV smart chips that act as an effective security feature against card duplication. This smart chip technology has proven effective in preventing credit card fraud.

    Insurance Offered

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

    • With U-Secure and U-Protect insurances, get financial protection up to P4,00,000 for you and your family in the case of untimely death or total permanent disability.
    • With the Car Secure Insurance Program, cardholders can get 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 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 airline tickets via Cebu Pacific, cashback offers and annual fee waivers, Ayala malls e-Gift certificates, SM gift pass, and SM movie card. Union Bank The North Face Visa cardholders alone can redeem their reward points for The North Face Gift Certificate. To redeem The North Face Gift Certificate, you can call the bank’s customer service number at (02) 841-8600 or 1-800-1888-2277 for domestic toll-free calls. The customer service representative will provide you with a reference number to facilitate the redemption process.

    Supplementary Cards

    The primary cardholder of a Union Bank The North Face 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 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 supplementary cardholder must be minimum 14 years of age.

    Eligibility Criteria

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

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

    Documents Required

    To apply for the Union Bank The North Face 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:
      • DTI Certificate of Business Name Registration
      • The latest Audited Financial Statements (AFS) with Bank or BIR Stamp
      • The latest Income Tax Return (ITR) BIR form 1701 or 1702 with Bank or BIR Stamp
      • Active credit card number has to be filled in the application form
    • If the applicant resides outside Metro Manila, he or she must submit a proof of billing address (the latest statement).

    Fees and Charges

    Listed below are the various fees and charges applicable for the Union Bank The North Face 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

    How to apply for Union Bank The North Face Visa Card

    To apply for Union Bank The North Face 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 documents.
    • Send an email request to internetapps@unionbankph.com.
    • 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.

    Lost or Stolen Card Liabilities

    If your Union Bank The North Face Visa Card is lost or stolen, you should 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 or 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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