• Union Bank Credit Card

    Union Bank Credit Card
    Credit Card
    Annual Fee
    Reward type
    Union Bank Platinum Visa Card
    Annual Fee:
    P3,000
    Reward type:
    Travel, Insurance, Shopping and Premium
    Union Bank Classic Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Groceries, Shopping and Entertainment
    Union Bank Gold Visa Card
    Annual Fee:
    P2,500
    Reward type:
    Travel, Groceries, Shopping and Dining
    Union Bank Platinum Mastercard
    Annual Fee:
    P3,000
    Reward type:
    Travel, Groceries, Shopping, Dining and Entertainment
    Union Bank Miles Platinum Visa Card
    Annual Fee:
    P3,000
    Reward type:
    Travel, Insurance, Shopping and Premium
    Union Bank Cebu Parklane International Hotel Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Travel , Shopping and Dining
    Union Bank Corporate Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Travel, Insurance, Shopping, Dining and Entertainment
    Union Bank Suy Sing Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Shopping
    Union Bank Burgoo Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Groceries, Shopping, Dining and Entertainment
    Union Bank Shop & Talk Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Shopping and Utilities
    Union Bank The North Face Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Travel, Shopping and Entertainment
    Union Bank Home Depot Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Travel, Shopping, Dining and Entertainment
    Union Bank Racks Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Travel, Shopping, Dining and Entertainment
    Union Bank Riviera Golf Club Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Travel, Shopping, Dining and Entertainment
    Union Bank Insular Life Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Travel, Groceries, Shopping, Dining and Entertainment
    Union Bank Bai Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Travel, Groceries, Shopping, Dining and Entertainment
    Union Bank Phoenix Petroleum Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Gas and Shopping
    Union Bank Mapfre Insular Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Insurance
    Union Bank Enderun Colleges Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Insurance
    Union Bank Silliman University Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Insurance
    Union Bank Alpha Phi Omega Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Insurance
    Union Bank Adamson University Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Insurance
    Union Bank World Wide Fund Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Insurance
    Union Bank Red Cross Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Insurance
    Union Bank Haribon Foundation Visa Card
    Annual Fee:
    P1,500
    Reward type:
    Insurance

    Union Bank offers a wide range of credit cards that cater to the unique requirements of the customers. They offer rewards card, travel cards, cashback cards, etc. There are various programs and privileges that the customer can participate in. The credit cards offer various benefits, read on to know more.

    Features and Benefits of Union Bank Credit Card

    The features and benefits of the Union Bank credit cards are as follows:

    • Union Bank credit card offers instalment program. The instalment interest rate offered is 0%. The tenure offered is 36 months.
    • You can auto-charge your utility bills. Your bills will be auto-paid each month.
    • You get discounts, freebies, and perks at restaurants, service outlets, and for shopping.
    • You get unlimited number of supplementary credit cards.
    • You can pay the bill over-the-counter, online payment, at the Union Bank branches, and at any of the Union Bank ATMs.
    • The monthly payments are flexible.
    • The credit terms are longer. You can enjoy up to 53 days credit at 0% interest.
    • Cash advance facility is available.
    • The statement of account will be emailed to you.
    • You can access your account at any time anywhere.
    • The Union Bank credit cards are accepted worldwide.

    Union Bank Credit Card Eligibility

    You must meet the following eligibility criteria to avail a Union Bank credit card:

    • You must be between the ages of 18-60.
    • You must be a Philippine resident or a Filipino citizen.
    • The minimum income required is P600,000 per annum.
    • You should have a residence or business landline phone number.
    • If you are self-employed, you must be in practice or in business for at least 1 year.

    Documents Requirements for Union Bank Credit Card

    You must submit the following documents along with the application form:

    • You must submit 2 valid IDs along with photo and signature. You must send in 3 specimen signature as well.
    • If you are employed or self-employed, you must submit your ITR BIR and Department of Trade and Industry Certificate of Business Name Registration.
    • You must send the latest bank statement as proof of billing address.

    Types of Credit Cards Offered by Union Bank

    The following are the various types of credit cards offered by Union Bank:

    1. Travel Credit Cards:
    2. With the travel credit cards, you can choose your travel rewards, packages, accommodation, etc. You can also transfer your points to Philippine Airlines Mabuhay Miles. Union Bank offers 4 types of travel credit cards:

      • Cebu Pacific GetGo Platinum credit card: You get exclusive benefits with this card when you fly with Cebu Pacific.
      • Cebu Pacific GetGo credit card: With this card, you automatically earn GetGo points when you spend for dining, shopping, and online purchases.
      • Miles+ Platinum card: You earn the most points from your travel expenses with this card. You earn 1 point for every P25 spent. You earn 1.5x points for every P25 spent on airline tickets, hotels, and overseas spend. You can redeem these points through Union Bank website. You can redeem P2,191 cash credit or 5,477 PAL Miles or Cebu GetGo points. You also get complimentary airport lounge access and travel insurance up to P10 million.
      • Cebu Parklane International Hotel Visa card: This card offers discounts and freebies all year round. You get the welcome treat without any spending requirement. On your birthday, you will get a free lunch or buffet dinner for 2 at Cebu Parklane Manuel’s Restaurant. You will get frequent stay rewards and instalment deals.
    3. Rewards Credit Card:
    4. The rewards credit card offers gift certificates, free movie tickets, cash rebates, etc. for purchases that you make every day. The following are the various rewards credit cards offered by Union Bank:

      • Union Bank Platinum Visa Card: You can enjoy privileges from Visa Platinum. You get concierge, club, and travel privileges. You get travel insurance when you are charging your travel fares to this card. You get enlisted for the rewards program as well. You get Club Manila Lounge access.
      • Union Bank Classic Visa Card: With this card, you can auto-pay your utility bills. You can avail the instalment plan. You can pay with Visa payWave. You earn 1 rewards points for every P35 spent on the card. The points can be redeemed for shopping, leisure, and entertainment, cash rebate, annual fee waiver, and travel rewards.
      • Union Bank Gold Visa Card: With this card, you can transfer the rewards points to Philippine Airline Mabuhay Miles Frequent Flyer Program to avail a free airline ticket. You earn 1 point for every P35 spent. You can convert the points to Cebu Pacific tickets as well. The rewards points can be redeemed for Tiger Airways tickets too. You get access to Club Manila lounge.
    5. Cashback Credit Card:
    6. You get instant cashback on your purchases. You get one cashback credit card from Union Bank, which is:

      • Union Bank Platinum MasterCard: This card makes your everyday savings simple. You earn 1.5% cashback on all your purchases every day. The cashback does not expire and you can redeem them at your convenience. This card also offers free access to Club Manila Lounge.
    7. Business Credit Card:
    8. If you want your employees to charge business expenses to a business card, then Union Bank offers the best Business credit cards. They are as follows:

      • Union Bank Corporate Visa card: This card is designed to help manage your business and your employees’ expenses. You get automated expenses report. This card is accepted worldwide. You get cash advance facility. Your employees will get free access to Club Manila Lounge. There is built-in travel insurance coverage. You company logo will be printed on the card. The card offers rebates program as well. The annual fee charged is P1,500. The cash advance fee is 2.9% of the amount.
      • Suy Sun Visa Card: This card can be used to enjoy rewards and rebates. You earn 0.5% rebate on your Suy Sing purchases. You can redeem the rebates once you accumulate a minimum of 500 points. You have to call 841-8600 to redeem the points.
    9. Lifestyle:
    10. With the Lifestyle cards, your payments become easier and you get privileges from dining, leisure, and shopping. The Lifestyle credit cards are as follows:

      • Burgoo Visa card: With this card, you get a welcome treat, year-round dining discounts, dining rewards, party package plan, and a birthday treat.
      • Union Bank Shop and Talk Visa card: On every P20 spent you earn P0.10 loan on your cell phone. You get automatic prepaid loading, automatic postpaid bill payments, 5% off on E-load purchases, etc.
      • The North Face Visa card: With this card, you get a welcome treat, year-round discounts, freebies, instalment program, and a birthday treat.
      • Home Depot Visa card: With this card, you get a welcome treat, double zero deal, instalment program, and shopping rewards.
      • Riviera Golf Club Visa card: You can pay the annual golf deals at 0% interest for 12 months. This card doesn’t charge any annual fees. You get a free green voucher and 2 golf cart vouchers. You earn 1 point on P20 spent on this card.
      • Racks Visa card: With this card, you get a welcome treat, dining freebies, dining rewards, and a birthday treat.
      • Insular Life Visa card: You get auto charge facility. You get rewards, payment convenience, bill manager, cyber statement, etc.
      • Union Bank BAI Visa card: With this card, you get special perks and discount at home-grown restaurants, shops, clubs, department stores, etc. You earn 1 rewards points on every P200 spent on this card.
    11. Gas Credit Card:
    12. The Gas credit cards let you enjoy gas rebates and other exclusive privileges. The various Gas credit cards are as follows:

      • Union Bank Great Treats and Rewards Visa card: This card is equipped with rewards to housing and auto loan customers. You get year-round rewards and rebates. On every P35 charged to this card, you earn 1 rewards point. The annual fee for the first year is waived.
      • Phoenix Petroleum Visa card: With this card, you earn 3% rebate every time you gas up at the Phoenix stations. You receive a free fuel voucher worth P500 when your card is approved. You get 10% discount on Phoenix lubricants and services at the Phoenix stations. There is no annual fee charged for the first year.
      • Mapfre Insular Visa card: With this card, you get instalment program, auto-charge facility, rewards program, discount program, etc.
    13. Affinity:
    14. The Affinity cards helps you to support the cause or programs of your organization and school every time you use them. The various cards are as follows:

      • Adamson University Visa card
      • Alpha Phi Omega Visa card
      • Assumption Alumnae Association Visa card
      • Ateneo Alumni Association Visa card
      • Colegio de San Juan de Letran Visa card
      • De La Salle – College of Saint Benilde alumni Association Visa card
      • De La Salle Alumni Association Visa card
      • De La Salle Dasmarinas Alumni Association Visa card
      • Don Bosco Alumni Association Visa card
      • Enderun Colleges Visa card
      • La Salle Greenhills Alumni Association Visa card
      • Lourdes School Alumni Association Visa card
      • People Management Association of the Philippines Visa card
      • Philippine Academy of Ophthalmology Visa card
      • Philippine Medical Association Visa card
      • Sacred Heart School – Ateneo de Cebu Alumni Association Visa card
      • San Beda College Alumni Association Visa card
      • Silliman University Visa card
      • Southwestern University Alumni Foundation Visa card
      • St. Paul College Pasig Visa card
      • St. Theresa’s Alumnae Association Visa card
      • University of Santo Tomas Visa card
      • University of East Alumni Association Visa card
      • University of Philippines Alumni Association Visa card
    15. Charity:
    16. With the Charity card, you can help out the causes you care about with your everyday purchases on the card. The cards offered are as follows:

      • Couples for Christ Foundation for Family and Life Visa card
      • World Wide Fund Visa card
      • Haribon Foundation Visa card
      • The Philippine Red Cross Visa card

    Supplementary Cards

    You can get any number of supplementary credit cards. You can share the benefits of your credit card with your family members. The supplementary cardholder must be at least 14 years old.

    Joining Benefits in Union Bank Credit Card

    You receive a free fuel voucher worth P500 when your Phoenix Petroleum Visa card is approved.

    Rewards on Union Bank Credit Card

    You can refer to your statement of account to check the available reward points. You must then enter your card and the available points on it. You will get a wide range of rewards to choose from. You get to choose from the following rewards:

    • Annual fee waiver
    • Gas
    • Shopping
    • Leisure and entertainment
    • Cashback
    • Airline ticket
    • Asiatravel e-voucher

    The other rewards you earn are as follows:

    • You earn 1 point for every P25 spent on your Miles+ Platinum card. You earn 1.5x points for every P25 spent on airline tickets, hotels, and overseas spend.
    • You earn 1 rewards points for every P35 spent on Union Bank Classic Visa card.
    • You earn 1 point for every P35 spent on Union Bank Gold Visa card.
    • You earn 1.5% cashback on all your purchases every day with Union Bank Platinum MasterCard.
    • You earn 0.5% rebate on your Suy Sing purchases when you use Suy Sun Visa Card.
    • You earn 1 point on P20 spent on Riviera Golf Club Visa card.
    • You earn 1 rewards points on every P200 spent on BAI Visa credit card.
    • On every P35 charged to Union Bank Great Treats and Rewards Visa card, you earn 1 rewards point.

    Insurance on Union Bank Credit Card

    You get the following credit life insurance:

    • U-Secure: This insurance helps your family to cope with the financial difficulties. You get Double Financial Protection cover of up to P400,000 to cover the credit card bills upon permanent disability and death. P400,000 is also paid to your family to help secure your financial well-being. Up to 5% of the outstanding balance or P500, whichever is higher, is paid while you are temporarily disabled.
    • U-Protect: You family will be protected if you are to meet with an accident. This insurance ensures that your credit card bills are taken care of. You get Double Financial Protection cover of up to P400,000 to cover the credit card bills. P400,000 is paid to your family to help secure your financial well-being. Up to 5% of the outstanding balance or P500, whichever is higher, will be paid.
    • You get travel insurance up to P10 million when you charge your airline ticket to your Union Bank Miles+ Platinum card.

    Union Bank Credit Card Promos

    You can avail the following promotions if you have a Union Bank credit card:

    • You get 10% off on Philippine hotels when you book through TravelBook.ph using your Union Bank credit card.
    • You get holiday instalment deals at 0%. The instalment terms offered is 24 months.
    • You get 10% off on your next purchase at Lazada.
    • You get 9% off when you book for hotel accommodation via Asiatravel.
    • You get 12% off on hotel bookings at Expedia.
    • You get 8% off on accommodations in over 60 countries when you book via hotels.com.
    • You get 25% off on tickets at Trampoline Park.
    • You get free shipping when you shop at Yoox.com with your Union Bank credit card.
    • You get 12% off on Zalora when you shop with your Union Bank credit card.
    • You get a free dessert on a single receipt purchase of P3,000 at Abaca.
    • You get 25% off on all therapies at Aramesh Spa and Wellness.
    • You get 10% off on food and beverage at Berjaya.
    • You get 5% off on regular items at Blade.

    Fees and Charges

    Following are the various fees and charges applicable:

    Annual fees for primary cards

    Branded cards:

    Classic: P1,500

    Gold: P2,500

    Platinum: P3,000

    Co-branded cards:

    Classic: P1,500

    PAO: P2,000

    Gold: P2,500

    Specialty cards:

    BAI: P1,500

    Titanium: P3,000

    Shop and Talk: P1,500

    OmniPass: P1,500

    GT+R: P1,500

    Corporate card: P1,500

    Annual fees for supplementary cards

    Branded cards:

    Classic: P750

    Gold: P1,250

    Platinum: P1,500

    Co-branded cards:

    Classic: P750

    PAO: P750

    Gold: P1,250

    Specialty cards:

    BAI: P750

    Titanium: P1,500

    Shop and Talk: P750

    OmniPass: P750

    GT+R: P750

    Corporate card: NA

    Annual expense management fee report

    Corporate card - P200

    Program fee

    OmniPass – P500

    Finance charge

    3.5% EIR

    Late payment charge

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

    Credit life insurance

    For every P100 outstanding, you will be charged the following:

    U-Protect – P0.36

    U-Secure – P0.55

    Cash advance fee

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

    Overlimit fee

    P500

    Card replacement fee

    P400

    Sales slip retrieval fee

    P200

    Returned cheque fee

    P1,000

    Dispute fee

    P1,000

    Refund fee

    P50

    Pre-termination fee

    If you pre-terminate your instalment program, you will be charged 5% of the remaining balance or P500, whichever is higher.

    How to apply for a Union Bank Credit Card?

    You can apply for a credit card by visiting the nearest Union Bank branch. You can also apply for Union Bank credit card online. You will have to fill out personal and employment information when applying for the card. You can apply for the supplementary card online. You must not forget to attach the specimen signature.

    Union Bank Credit Card Hotline

    The Union Bank has 24*7 customer service. You can send a mail, fax, email, etc. to the Bank at any time. You can call the Union Bank customer service at 632-841-8600 or at 1-800-1888-2277. The universal toll-free number is +800-8277-2273.

    • You can email to internetapps@unionbankph.com.
    • You can fax any queries to 02-636-6248.
    • You can mail to 31/F UnionBank Plaza Meralco Avenue corner Onyx and Sapphire Sts., Ortigas Center, Pasig City.

    FAQs about Union Bank Credit Card

    1. Can I redeem the points for a free airline ticket?
    2. Yes, you can redeem the points earned for free Cebu Pacific tickets and Tiger airways tickets.

    3. Do I get travel insurance coverage?
    4. Yes, you get travel insurance coverage of up to P10 million when you charge your travel fares to Union Bank Visa Platinum card.

    5. How many supplementary cards can I get?
    6. You can avail unlimited number of supplementary cards.

    7. How to report a lost or stolen card?
    8. If you have lost your Union Bank credit card, you must immediately call the 24-hour customer care centre and report that the card has been stolen or lost. You can also request for a card replacement at the time of reporting it lost or stolen.


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