• Union Bank University Of The Philippines Alumni Association Visa Card

    Union Bank University Of The Philippines Alumni Association Visa Card
    Credit Card
    Annual Fee
    Reward type
    Union Bank University Of The Philippines Alumni Association Visa Card
    Annual Fee:
    Reward type:

    With the Union Bank University Of The Philippines Alumni Association Visa Card, you can donate 50% of your annual fee, 0.5% of your retail spend, and 1% of the interest on your revolving balance to support the alumni association of UP. The funds from the donation will be used for the UP Alumni Association's livelihood, healthcare, education, commemorative, and heritage projects.

    Features and Benefits

    Listed below are the features and benefits of Union Bank University Of The Philippines Alumni Association Visa Card:

    • Cardholders can check their outstanding balance via mobile banking, receive e-statement of account via CyberStatement, and enjoy internet banking via the Visa Online facility.
    • With the Union Bank Installment Program, you can pay for big ticket items via 3 to 36 monthly installment terms at 0% interest.
    • With the Auto-charge Facility, you can pay your utility bills on time.
    • With the Discount Program, get exclusive discounts, offers, and deals on shopping, dining, and entertainment purchases across the Philippines.
    • Union Bank credit cards come with a Car Secure Insurance Plan that offers 24/7 roadside assistance in the case of a flat tire or battery breakdown repairs. The insurance is offered at special discounts on premiums and easy payment terms of up to 10 monthly installments at 0% interest.
    • 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.
    • Make easy and convenient card payments at Union Bank branches and select bank ATMs. You can also make payments via Auto-Debit Arrangement from your Union Bank savings or current account or pay online at www.unionbankph.com.
    • Other features offered by Union Bank include flexible monthly payments, longer credit terms, cash advance facility, and 24/7 customer service.

    Rewards Program

    Only Union Bank credit cardholders can earn rewards points and redeem reward items from the Rewards Catalogue. Reward items can be cash rebates, annual fee waivers, e-Gift certificates, gift passes, movie cards, and airline tickets. Redemption process can be done online via the bank website or through the bank’s customer service facility.

    Security Features

    Most 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 insurances, as a Union Bank credit cardholder, you can get financial protection for you and your family up to P4,00,000 to cover your credit card bills upon death or total permanent disability. Similarly, with the Car Secure Insurance Program, you can get 24-hour roadside assistance in the case of flat tire or battery breakdown repairs.

    Supplementary Cards

    Union Bank offers a unlimited number of supplementary cards for your family members. The primary cardholder of a Union Bank University Of The Philippines Alumni Association 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 University Of The Philippines Alumni Association 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 University Of The Philippines Alumni Association 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 University Of The Philippines Alumni Association 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
    Over limit 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 University of The Philippines Alumni Association 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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