• Union Bank University Of Santo Tomas Visa Card

    Union Bank University Of Santo Tomas Visa Card
    Credit Card
    Annual Fee
    Reward type
    Union Bank University Of Santo Tomas Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Insurance

    The UnionBank University of Santo Tomas Visa Card is a card designed to meet University of Santo’s educational, academic and research programmes by contributing a certain percentage of the customer’s expenses to University of Santo. This is an initiative by UnionBank to help University of Santo Alumni to contribute directly to the growth of their University and support funding activities to empower students and enable them to get access to quality education and infrastructure facilities.

    Let us look at some promotions, features and benefits offered by the UnionBank University of Santo Tomas Visa Credit Card:

    Features and Benefits

    • Pay your bills conveniently
    • Union bank allows you to pay your bills in a convenient and hassle free manner. Credit card bills can be paid through online internet banking, at ATMs and by visiting your nearest bank branch.
  • Convert your payments into instalments
    • You can convert large purchases into flexible monthly payments stretched over a period of 36 months.
    • You can choose any period between 3 months and 36 months to make monthly repayments towards your purchase. Adding on to the convenience, the interest is also low on converted purchases.
  • Cash withdrawals
    • You can make cash withdrawals using your UnionBank University of Santo Tomas Visa Card. Withdrawals can be made at ATMs and are subject to interest charges and cash advance handling fees.
  • Airline privileges
    • You can convert your reward points into air miles by registering for the Mabuhay Miles Frequent Flyer Programme.
    • You can also enjoy discounted air tickets by earning reward points and redeeming them for Cebu Pacific tickets and Tiger Airways tickets.
    • As a UnionBank University of Santo Tomas Visa Cardholder, you can enjoy pre-departure stays at Club Manila Lounge, regardless of what airline you fly in.
  • Rewards

    The UnionBank University of Santo Tomas Visa Card lets you earn reward points on online and offline purchases. Reward points can be redeemed for excellent discounts on Tiger Airways tickets and Cebu Pacific Air tickets. Reward points can be earned on travel bookings, groceries, online shopping and dining.

    Eligibility Criteria

    • The applicant has to be minimum of 18 years of age
    • The applicant must earn a minimum of P600,000 p.a. in order to be eligible for the credit card.
    • All documents required by the bank need to be duly submitted. Inaccuracies in information provided to the bank can lead to the rejection of the application.

    Documents Required

    Customers are required to submit the following documents to the bank to complete their application process:

    • Copy of Identity (TIN, Passport or Voter ID)
    • Proof of income - latest computerized payslips, bank statement for the last 3 months.
    • Visa permit, Passport Copy, Work Permit and employment letter.
    • Latest copy of duly filed Income Tax Returns.

    Fee and Charges

    Particulars

    Fee

    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

    2.9%

    Cash Advance fee

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

    Finance Charge

    3.50% p.a.

    Particulars

    Fee

    Primary card annual fee

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

    Card Security Feature

    UnionBank  credit cards come with a comprehensive security framework that requires valid customer authorisation for transactions to come through. Transactions are secured, both online and offline. While offline or physical transactions using the card require a secure pin to authenticate the transaction, online transactions require a One-Time Password (sent to the customer’s registered mobile number) or a secure access pin.

    The passwords and PIN numbers can be changed by the customer whenever he/she wishes - banks usually advise customers to periodically change their passwords in order to avoid information compromises.  

    How to apply for Union Bank University of Santo Tomas Visa Card

    If you want to apply for the UnionBank University of Santo Tomas, you can visit the official UnionBank website and fill out the online credit card application form. You will also have to submit your relevant documents to the bank. A representative from the bank will contact you to verify details of your application and obtain additional information if required. Once the bank approves your application, you will receive the credit card in a matter of 7-10 working days.

    Reporting Lost/stolen Credit Cards

    Customers can report the loss/theft of their credit cards by calling up Union Bank’s Customer Service Center and report the loss/theft. You might be required to file a report at the nearest police station in case of theft of your card. You will be required to provide details of your card and most recent transactions performed using your card in order to verify your identity. The bank will then block your credit card from being used.

    Note: Customers are required to inform the bank immediately after the loss/theft of their card. If any unauthorised transactions have taken place before reporting the loss/theft of the card, the bank will investigate if the customer has acted fraudulently or negligently. A penalty will be accordingly imposed if it is proven that the customer has acted fraudulently or negligently. 


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