All Articles With Category : Credit Card

The latest and the best financial news, tips and tricks.

4 Credit Card Cheats You Should Know About

Coming from a financial literacy advocate, this title may seem odd. Does owning a credit card make me less of an advocate? If I want to achieve financial independence, then why would I want to talk about credit cards and shopping? Well, that’s because I advocate saving smart rather than saving hard and delaying all the gratifications until you’re 60. Here are some personal tips for those of you who want to balance your savings and spending plan. Table of Contents1. Apply for a credit card.2. When shopping abroad, ask for tax-back forms.3. Swap your receipts for freebies.4. Take advantage of your credit card’s cut-off date.5. Write your bank a love letter regarding your credit card. 1. Apply for a credit card. A credit card has many hidden treasures if you know how to control it. It is especially helpful for large purchases, flight promos (think of piso fares), travel applications, business loan applications and many others. If you don’t have a credit card, you’re missing out on a lot of financial perks that you could have been enjoying. 2. When shopping abroad, ask for tax-back forms. If you’re not a citizen, you are not required to pay for taxes that’s why shopping abroad for gadgets or clothes can be advantageous at times. You’ll know whether the store is offering a tax-back when you see a sticker plastered on their walls and doors. If you can’t see one, just ask them if they do offer tax-back refunds. These refunds will be credited to you via your credit card, so if…

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Centralized Credit Database in PH by 2016

The Philippines will soon have its own centralized credit information system (CIS) that would allow the sharing of all relevant information of an individual to help creditors and banking institutions on evaluating the ability of their prospective and existing customers to repay. Credit Information Corporation (CiC) President and CEO Jaime Garchitorena said they expect that by the end of 2015, CiC will be able to share or make available the information to eligible subscribers. By 2016, they also expect to gather and aggregate at least 80 percent of relevant data from the banking industry and government institutions. “We hope to come up with the deepest and broadest database by 2016,” he said. Read More: Moneymax and CIC Partner to Promote Consumer Rights Amid COVID-19 He added that CiC had met with around 288 institutions willing to contribute to the database. Among these are six universal banks and the Social Security System (SSS). Garchitorena said they hope these institutions would be able to agree and cooperate on the data gathering procedures to facilitate and fast track the completion of the database. CiC is 60 percent owned by the National Government and 40 percent by the Philippine Cooperatives Center, Bankers Association of the Philippines, Credit Card Association of the Philippines, Chamber of Thrift Banks, and Rural Bankers Association of the Philippines. Need car insurance? A credit card? Or a loan? Moneymax got you covered. Check our products to know more.

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EastWest Bank Credit Card Promos for July 2014

Get the most out of your Eastwest Bank Credit Card by availing these promos for this month: Read More: Metrobank Credit Card Promos for March 2015 Table of ContentsFREE SM Cinema Movie Cards12% Discount on Shoes at Zalora8% off at Asia Travel FREE SM Cinema Movie Cards Purchase items using your EastWest Visa Credit Card at any merchant in spending requirements of P2,000, P5,000 and P10,000. Note that other EastWest Credit Cards which do not carry the Visa mark are excluded from this promo. SM CINEMA MOVIE CARD SPEND REQUIREMENT One (1) SM Cinema Movie Card worth P100 P2,000 minimum single-receipt purchase Two (2) SM Cinema Movie Cards worth P100 each P5,000 minimum single-receipt purchase Four (4) SM Cinema Movie Cards worth P100 each P10,000 minimum single-receipt purchase (applicable for merchant installment transactions only) Promo period: July 1 to September 30, 2014 Redemption period: July 1 to November 30, 2014. 12% Discount on Shoes at Zalora Use you Eastwest Credit Card to shop at Zalora.com.ph to avail 12% discount. Upon entering your valid EastWest Credit Card number, your redeem price will automatically be discounted. Promo period: June 1 to July 31, 2014 8% off at Asia Travel Avail the additional 8% discount at participating destinations and hotels when you book at www.asiatravel.com using their EastWest Credit Card and this promo code: EW-2014 on payment check out. Promo period: May 1 to December 31, 2014 Booking period: May 1 to July 31, 2014 Stay period: May 1 to December 31, 2014 People who read this also liked: BDO Credit Card Promos for…

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Pay Pag-IBIG Loans and Savings Through Credit Card

Pag-IBIG Fund partnered with institutions to make payments for housing loan (HL) amortizations and individual membership savings (MS) more convenient for 13.8 million members and employers worldwide. Members can now choose to pay through over-the-counter or online transactions or the use of credit card or mobile phone. With the new partnerships, member-borrowers can now pay their HL bills at any Bayad Center outlets, SM Business Centers – including HyperMarket and Savemore, Landbank branches, and Metrobank branches. Member-borrowers can also pay via mobile phone through Globe GCash, a payment option available 24/7 to Globe subscribers. Members can also use their VISA or Mastercard Credit Card issued here or anywhere in the world to remit their Pag-IBIG membership monthly. “We at Pag-IBIG continuously seek ways to utilize modern technology in providing the best possible service to our members. The directive of Pag-IBIG Board Chairman Vice President Jejomar C. Binay is to embark on innovations that will bring Pag-IBIG on a par with the best in the private sector in providing payment solutions to our members, and to do so without sacrificing the quality of our service. Increasing payment channels for our members is a big step towards this direction.” Pag-IBIG President Atty. Darlene Marie B. Berberabe explained. Meanwhile, overseas Filipino workers can conveniently pay their HL and Short-Term Loan dues and MS remittance at the following payment centers: Philippine National Bank, Metrobank, Asia United Bank, i-Remit, and Ventaja.

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4 Benefits from Your Credit Card You Forgot You Had

    If you’re like most people, you probably signed up for a credit card hoping to earn enough points to earn air miles and other rewards. It’s also likely that you signed up for a card to take advantage of the 0% interest for getting that shiny new tablet or smartphone. Read more: 13 Savings Tips Filipinos Always (ALWAYS) Forget Credit cards sure come in handy in helping you pay for stuff online and at your favourite shops and restaurant—but there are other credit card benefits that you may have forgotten, or haven’t been informed, about. Let’s look at more surprising perks that you can get out of that card in your wallet! Table of Contents1.      Free Travel Accident and Inconvenience Insurance2.      Complimentary Passes at the NAIA MIASCOR Airport Lounges3.      Enjoy Priority Booking at Special Events in Manila4.      Extended Warranty for Your Favorite Gadget 1.      Free Travel Accident and Inconvenience Insurance We Pinoys love to travel. With budget airlines like Cebu Pacific offering Piso Fares and Tiger Air offering cheap flights for local and international destinations, it’s become more affordable for us to take vacations to nearby countries. But are you aware that you can also get free travel insurance when you book your flight ticket using your card. Some credit cards in the Philippines offer travel insurance coverage, such as the BDO Platinum MasterCard, the PNB Mabuhay Miles Platinum MasterCard, and the Metrobank Dollar MasterCard. A quick search on MoneyMax’s credit card page will show you options for credit cards that have this feature. 2.      Complimentary Passes at the…

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How to Quickly Pay Off Your Credit Card Debt

  Paying your credit card bills can be heartbreaking – it seems like a never-ending process and too costly, without thinking we benefited from it. But, paying it on time and in full will surely work wonders in such a way you comfort yourself with the upcoming stress and burden. Read More: 5 Things You Should Have at the Age of 40 Save yourself. For sure you don’t want your credit card company haunting you in the future. Here are ways to pay off your debt quickly: Table of ContentsAcknowledge.Track and re-budget.Stop creating new debt.Pay more than the minimum payment required (or in full).Pay off debt with the highest interest rate first.Balance transfer.Look for support. Acknowledge. Before you pay all your debts, know where you stand. Acknowledge that and plan for your next moves. List down all your debts from all your credit card companies and plan from there. You’ll never hit your target if you don’t know where it is, so be brutally honest with yourself. Track and re-budget. Make a list or table of your cash flow – determine your monthly spending versus your income. If the result comes back negative (i.e., spending is greater than income) you need to do a budgeting overhaul.  You may consider minimizing your Friday gimmicks and daily lunch outs. Cut down your wants, even for the meantime, and focus more on what you really need during your repayment phase. Stop creating new debt. It’s going to be impossible for you to get out of your debts if you continue creating new ones. Leave…

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5 Things You Forgot to Ask Yourself Before Getting a Credit Card

There are few better things in the world than slipping in a brand new, shiny, scratch-free credit card into your wallet. That’s exactly the seduction of that little piece of plastic—you instantly feel like a million dollars because you think you can buy anything your heart fancies. Before you get carried away, though, let’s take a look at a few questions you might have forgotten to ask yourself in the excitement of getting a new card. Table of ContentsWhy am I getting a credit card?How much will it cost me?Could I have gotten a better card?Am I protected?What will happen if I fall behind on payments? Why am I getting a credit card? If you’ve never had a credit card before and were able to pay your bills and buy your necessities without problems, you probably shouldn’t have a credit card in the first place. The only reason you should own one is because you need it. A good reason to own a credit card is for emergencies — and we’re not talking about shoes on sale here. Another good reason is if you want to make big-ticket purchases that are otherwise impossible to do with cash, like a powerful laptop or home appliances that you can pay on installment. How much will it cost me? You may have been drawn in by the promise of a zero annual percentage rate (APR) when you signed up for a credit card. It’s probably a good idea to call your bank representative and ask if it was just an introductory rate, how long…

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5 Tactics to Acquire More Credit Card Points

Do you know how to really maximize your credit card? Use it for more points! Most points are acquired when you travel. But, how can you accumulate more points when you’re not the traveler type? Take the full advantage of your credit card use, promos and rewards, but don’t be fooled by all of them as they may incur a big cost on your part without you knowing. Here are some tactics that you can use to make the most out of your credit card: Table of Contents1. “Savings over points.”2. Use your credit card on your purchases.3. Pay at once.4. Be wise and resourceful.5. Pay your bills with your credit card 1. “Savings over points.” It doesn’t make sense to be eager for points when you end up buying things you don’t really need. It’s not always a better option when you’re buying through a credit card. Always compare prices and make sure you’re getting the best deal for you. 2. Use your credit card on your purchases. Gas and groceries are the best channels to start because of the frequency you’ll need to use it. For instance, most have a weekly grocery and gassing up. So there is a greater chance that you’ll get used to it like a habit of using your card. Also, the more use you it, more points can be accumulated. And as soon as you master paying through your card, you will have more points to follow. But, never forget to pay in time and in full to avoid interests. Using your card will majority of your expenses can also…

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5 Metrobank Restaurant Promos Pinoys Will Love

Savor the mouthwatering goodness of your favorite dishes at The Bistro Group’s famed restaurants! Get 40% off of your total bill for a minimum purchase of P3,500 using your Metrobank credit card. The offer is valid Mondays to Thursdays until May 29, 2014. Table of ContentsVillage TavernModern ShanghaiItalianni’sSiklabKrazy Garlik Village Tavern Ever heard of a luxury burger? Try Village Tavern’s Foie Gras Burger which is made with premium wagyu beef, gruyere cheese, red wine, braised onions, and seared foie gras. Pair it with the old-fashioned Fresh Lemonade to cleanse your palate. Cap off your meal with the Very Best Carrot Cake that has a generous amount of cream cheese or St. Barths Chocolate Torte that is served with vanilla ice cream. Modern Shanghai Satisfy your craving for Chinese food at Modern Shanghai! This shiny and sleek restaurant is one of the go-to places for Xiao Long Baos, Pork Dujmplings, Szechuan Noodles in Spicy Peanut Sauce. One of its star dishes is the mouthwatering Tung-Bor Style Braised Pork Belly. For dessert, order their Fresh Mango Cream with Sago and Pomelo or the sweet and savory Steamed Buns with Preserved Egg Yolk Paste. Italianni’s Buon appetito! For great food in big portions, dine in at Italianni’s! Start your meal with their Sicilian Chicken Salad with crispy romaine, mangoes, red grapes, and pine nuts in a creamy anchovy dressing – probably one of the best salads you’ll ever have. The Quattro Formaggio pizza, which has a hefty serving of cheeses, is an easy favorite among kids and adults. Of course, who would forget…

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Tuition Fee Promos for Credit Cardholders

School season is fast-approaching. Tuition fees, school supplies, uniforms, and other school-related expenses are being considered again on the family’s budget. One of the advantages of owning a credit card these days is that you can always pay in FULL for school tuition fees and pay for it on a later date, or have it differed monthly. Cash advances is also an option, though banks are constantly reminding that it may charge bigger monthly interests. Good thing, some banks offer tuition fee payments on a lighter monthly interest, compare and save: Table of ContentsCitibankMetrobankBDOBPI Citibank With your Citibank Credit Card you can enjoy longer, lighter payments on tuition fees with as low as 0.75%* converted monthly factor rate for 9, 12, 18 and 24-month tenors; 1.00% converted monthly factor rate applies to 3 and 6-month tenors. Applicable for the following Schools and Universities: Alternative Learning Resource School Asian Institute of Management Britesparks International School Center for Culinary Arts Manila Colegio de San Agustin De La Salle University De La Salle Santiago Zobel School Explorations School First Academy of Computer Arts Gymboree (Shangri-la and McKinley Forbes) Keys School La Salle Greenhills Miriam College Modern Academy New England College OB Montessori (Fairview, Greenhills, Makati, Sta. Ana) Our Lady of Perpetual Succor College PAREF Northfield School for Boys PAREF Southridge School Phil. Center for Creative Imaging St. Mary of the Woods School St. Michael College of Laguna St. Paul College of Pasig St. Paul University Quezon City University of Asia and the Pacific University of San Carlos University of Santo Tomas Metrobank Metrobank’s Cash2Go lets you enjoy the lowest rate…

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Credit Card Payments for Taxi Fares?

Taxi commuters have been experiencing problematic taxi drivers. Part of the resolution to address short-changed customers is the House Bill No. 4106 by Paranaque 1st District Representative Eric Olivarez to allow passengers to use credit cards or debit cards to pay for taxi fares, just like what other countries in the world are already doing. Credit card payments would ensure exact charges to the passenger, eliminating the problem of overcharging taxi drivers and those who do not give the change due. Meanwhile, it also aims to protect taxi drivers from dishonest, and short-paying passengers. However, there is a provision that prohibits taxi drivers to accept passengers when their credit card machine is not functioning or if they decline a debit or credit card payment. If and when they can be penalized with suspension or cancellation of the taxi franchise or a fine of PHP20,000 to PHP50,000. Today, it is considered that everyone in the working class, who takes a cab, has an ATM card and/ or credit card, people today are now more knowledgeable about POS transactions on stores. It could be convenient to use on taxis as well. Mabuhay Taxi, a taxi line in Davao, is already accepting credit card payments since July 2012. Do you think this will work fine in Metro Manila as well?

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BPI eCredit Card – A Must for Online Shoppers

There is a growing number of Filipino shifting from the brick-and-mortar shopping to online shopping. You may be interested in joining this trend. In this article, know how the BPI eCredit Card works and helps users shop online. Just read on and find it out! Table of ContentsDon’t Let Fear Get in Your Way from Online ShoppingThe BPI eCredit Card is Not the Regular Credit CardStill Don’t Get How the BPI eCredit Card Works?What is BPI eCredit Card’s limit?You can get the BPI eCredit Card at No CostMake Your Online Shopping Experience a Safe and Rewarding OneIt’s Easy Track Your Spending Online Don’t Let Fear Get in Your Way from Online Shopping The convenience and the variety of selection are attractive features of shopping online. There are still a portion of people who wish to join the ranks of online shoppers yet are deterred by the security issues associated to shopping online. They are wary of exposing their confidential credit card information on the Internet. Read more: Reasons Why You Should be Cautious About Online Shopping However, the benefits of online shopping should outweigh these fears. BPI eCredit Card comes with features to make online shopping safer and more enjoyable. The BPI eCredit Card is Not the Regular Credit Card The BPI eCredit Card is a virtual credit card. It is exclusively designed to ensure that cardholders can shop online safely. The BPI eCredit Card is a companion card for the BPI Express Credit MasterCard variants: •           Classic •           Blue MasterCard •           Gold MasterCard •           Petron-BPI MasterCard •           Edge and Mini Edge…

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Which Metrobank Credit Card Suits You?

One of the largest bank in the Philippines, Metrobank, offers a variety of credit cards to serve your needs. One of the ways to maximize the benefits of your credit card is to apply for the one that really suits your personality and financial behaviour to gain more rewards and promos. Here are Metrobank credit cards to choose from: Table of ContentsMetrobank ON Internet MasterCardMetrobank Classic VisaMetrobank Classic MasterCardMetrobank Toyota MasterCardMetrobank Femme VisaMetrobank Gold MasterCardMetrobank Gold VisaMetrobank Robinsons-Cebu Pacific MasterCard ClassicMetrobank Robinsons-Cebu Pacific MasterCard Gold Metrobank ON Internet MasterCard A more secure payment solution for all your internet transactions Personalize your credit card with your favorite photo through designmycard Receive your monthly statement of account via your email address P20 spent = 1 reward point No points multiplier e.g. P500 Online Shopping Credit (10,000 points) Points only redeemable for Online Shopping Credit ₱ 500First year waived 3.5%Per month Read More: Metrobank Credit Card Promos for March 2015 Metrobank Classic Visa Get discounts, free gifts and great deals at ‘M here! partner establishments Comes with an embedded EMV-chip that protects you from credit card fraud Personalize your credit card with your favorite photo P20 spent = 1 reward point No points multiplier e.g. Union 16″ Stand Fan (35,450 points) Only principal cardholders are eligible to redeem reward points ₱ 1,500First year waived 3.5%Per month Metrobank Classic MasterCard Get discounts, free gifts and great deals at ‘M here! partner establishments Comes with an embedded EMV-chip that protects you from credit card fraud Personalize your credit card with your favorite photo P20 spent = 1 reward point No points multiplier e.g. Union 16″ Stand Fan (35,450…

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Getting the Most Out of Your Credit Card

It is easy to apply for a credit card but using it requires control and discipline. If not used properly, this can cause financial trouble on your end, and you might even end up in huge debts! If you are a credit card owner, read on the following tips on using your credit card wisely and using it to your own advantage: 1. Take advantage of reward points. Credit card providers offer a slew of benefits that most people don’t take advantage of like the reward points. Every time you make a purchase, you earn reward points. You can accumulate these reward points in exchange of special items or other offers such as discounts on airline tickets, gift certificates, hotel accommodations, and a lot more. 2. Use it for your needs. Always identify the thin line between your needs and wants. As much as possible, use your credit card for your needs rather than your wants. For instance, use it to purchase your groceries, your fuel, and any other items that you would normally use your debit card for. The more you spend, the bigger the rewards you get. 3. Use but don’t abuse. Do not use your credit card to pay for that next shoe purchase just because you want to. Try your best to resist on swiping away on an item that you think is a mere want of the moment, especially if you think it is out of the budget. Make sure you purchase something that you will be able to pay on the next billing. 4. Pay in full and pay on…

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When to Give a Credit Card to Your Teenage Kid

There are many advantages you can get from a credit card. This thin, plastic card is all you need to settle all any transaction anywhere, anytime. You no longer have to carry a lot of cash in your bag or your wallet. Plus, you can earn points from using the card—points which can be exchanged for gifts items, free flights, and other rewards. You can even pay your bills and track your expenses more easily because a credit card provides an electronic record of all your expenditures. Read more: #KidsTheseDays: They Are Not How We Remember Them To Be However, is it advisable to give your teen his or her own credit card? Table of ContentsAsk Why Your Teenage Child Needs a Credit CardBanks do not Grant Credit Cards to TeensOther Options for Credit CardsTeach Your Teen to be Responsible Ask Why Your Teenage Child Needs a Credit Card We all know that credit cards can come in handy during emergencies, but there is also a risk of them being misused, especially at the hands of youngsters. Here are some questions to ask your teen to help you evaluate whether he or she is ready to be trusted with the privilege: Why do you need a credit card? Where would you like or need to use a credit card? What are the items you would buy using the card? Would you rather have a credit card or cash allowance? Will you face the consequences if you reached your credit limit? These questions will give you an idea about your teen child’s perception…

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Use Your Credit Card to Help in Relief Efforts

Typhoon Yolanda (international name: Haiyan) brought so much death and destruction to central Visayas that it sparked profound sympathy for the survivors. Scores of local and international relief efforts were immediately mobilized. Many individuals as well as companies, big and small, did their share to help survivors. These included credit card providers that thought of ways to aid relief efforts. Table of ContentsLocal Yolanda Relief Efforts by Credit Card ProvidersInternational Credit Card Holders can also Help the PhilippinesTyphoon Yolanda’s Impact in Numbers Local Yolanda Relief Efforts by Credit Card Providers Locally, BDO is allowing their credit card holders to donate their credit card points to the BDO Foundation. Those with 2,000 Elite Points can donate these for an equivalent donation of P500. For card holders that have regular points, they can donate 2,778 regular points to make a P500 donation. Card holders can donate more in those increments. BDO’s promos page also says that BDO and American Express Cards can be used to make donations to the BDO Foundation, SM Foundation, ABS-CBN Foundation, Sagip Kapamilya, GMA Kapuso Foundation, and the Philippine Red Cross. BDO cardholders can call 631-8000 to make the donation. Unionbank is also helping Yolanda relief efforts through their USHARE program. Unionbank is helping the Aboitiz Foundation, the Philippine Red Cross, De La Salle University, Caritas Manila, and the American Chamber Foundation by providing them with the USHARE platform as an easy way for these organizations to get funds. Donors who go on the USHARE site can choose one of their partner organizations that they want to donate…

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UnionBank Credit Card Fees and Charges

As responsible credit card users, we must account for every fee we incur. Read on to find out the UnionBank credit card fees and charges as well as the way to avoid them. Table of ContentsThe Cash Advance Fees of UnionBank Credit CardsThe Interest Rates of UnionBank Credit CardsHow Do I Avoid Paying Interest?Avoid Late Payment Fees The Cash Advance Fees of UnionBank Credit Cards UnionBank credit cards cash advances are charged 6% of the transaction amount or P300, whichever is higher when the cash advance is done through an ATM. If the cash advance is done over-the-counter, an additional fee of P500 is charged on each transaction. An interest rate of 3.5% per month will also be due on each cash advance from the date of the advance until the amount is fully reimbursed. The interest accrues immediately when the amount of advance is included in the total outstanding balance. The cardholders of any credit cards offered by the UnionBank do not need to worry that the cash advance has a higher interest rate. The interest rate is same with the monthly effective interest rate (EIR). The only drawback is that cardholders have to pay the service fee for utilizing the cash advance facilities. The Interest Rates of UnionBank Credit Cards The Monthly Effective Interest Rate (EIR) of all the UnionBank Credit Cards is 3.5%. If you pay only the minimum amount or any amount less than the total amount due for the billing period, the interests apply on your outstanding balance. How Do I Avoid Paying Interest? When…

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What is a Credit Card Cash Advance?

The credit card cash advance fee is the fee you have to pay when taking out a cash advance against your credit limit. Before we start discussing the fees for the cash advance services of UnionBank credit cards, let’s have a closer look at the reasons why we need the credit card cash advance services and how to use it wisely. Table of ContentsWhat is Cash Advance?Why Do I Need the Cash Advance Service?Solving Cash EmergencyThe Other Side of Cash Advance What is Cash Advance? Cash advance is a service provided by many credit card issuers such as UnionBank. This service allows credit cardholders to withdraw cash using their credit cards. The cardholders can withdraw the cash either through an ATM or over-the-counter. Since the credit cards are prided on its cashless transaction facility, why are they providing the cash advance services simultaneously? Why Do I Need the Cash Advance Service? There are retailers who will require immediate payment by either check or cash. A debit card may save your day if it has sufficient balance to pay for the purchases. When in such a predicament, taking out a cash advance against the credit card balance may be a good solution. Solving Cash Emergency The credit card cash advance service can be a convenient and easily accessible option to fulfil short-term cash need. It can be an important source of funds in an emergency. However, they are not designed to be a long-term solution for your financial needs. The excessive use of cash advances will backfire and may even lead…

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Annual Fee of UnionBank Credit Card (Part 2)

In the previous article, we have discussed what co-branded cards are and how we can avail of the perks of these cards. Now, let us proceed to the annual fees of these UnionBank co-branded cards. Later in the article, we will also talk about the UnionBank specialty cards and the corporate Visa credit cards. Table of ContentsThe Annual Fee of UnionBank Co-Brand Credit Cards5 Different Types of UnionBank Specialty CardsUnionBank Corporate Card ProgramThe UnionBank Corporate Visa Credit Card The Annual Fee of UnionBank Co-Brand Credit Cards Type of Co-Brand Cards Annual Fees(Principal Card) Annual Fees(Supplementary Card) PAO P2,000 P750 Gold P2,500 P1,250 Classic P1,500 P750 Here’s good news for those who are going to apply for the PAO credit cards as well as the existing PAO cardholders- by paying only P2,000 per year, you can settle the PAO credit card annual fees as well the annual membership fees of the Philippine Academy of Ophthalmology (PAO). 5 Different Types of UnionBank Specialty Cards Specialty cards are credit cards with reward programs that can cut-off your spending or make the most of your hard-earned money. The perks may come in the form of points, discounts or cash-rebates. The points can be traded off for merchandise, gift cards, free hotel stays and home improvement purchases. Type of Specialty Cards Annual Fees(Principal Card) Annual Fees(Supplementary Card) BAi P1,500 P750 Titanium P3,000 P1,500 Shop & Talk P1,500 P750 OmniPass P1,500 P750 GT+R P1,500 P750 Here’s a notification for the OmniPass cardholders- they will need to pay the program fee of P500 as well. UnionBank Corporate…

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How Much is the Annual Fee of a UnionBank Credit Card?

If you wish to get a credit card, one of the unavoidable fees is the annual membership fee. UnionBank Credit Cards are no exception. However, they are reasonable and affordable.  In this article, we will discuss the affordable annual fees of UnionBank Credit Cards. Table of ContentsUnionBank Credit CardsAnnual Fee of UnionBank Brand CardsWhat are Co-Branded Credit Cards? UnionBank Credit Cards UnionBank is known as one of the best banks in the Philippines. Since its establishment in 1981, UnionBank has introduced a wide array of credit cards to cater to the needs of various customers in the Philippine market. Let us have a look first at the annual fee of UnionBank-branded credit cards. Annual Fee of UnionBank Brand Cards Type of Brand Cards Annual Fees(Principal Card) Annual Fees(Supplementary Card) Platinum P3,000 P1,500 Gold P2,500 P1,250 Classic P1,500 P750 The annual fees vary according to the type of card. It is best to pick a card that suit your lifestyle and needs. With UnionBank Credit Card, your every peso spend will earn you the reward points that can be used to redeem goodies, and travel fares. What are Co-Branded Credit Cards? Co-branded cards are credit cards offered by UnionBank that are jointly sponsored by the bank and the retail merchants. There are a lot of co-branded cards issued by the UnionBank. These co-branded cards often come with a great variety of incentives, such as discounts and rebates. We will be discussing the different co-branded cards in the coming articles.

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