Maximize Your Card's Features: How to Use Your UnionBank Credit Card

Jay Pagkatotohan

Jay Pagkatotohan

Last updated May 16, 2024

A UnionBank credit card could be one of the best additions to your wallet. It comes with features that make spending rewarding—it unlocks thrilling deals, exciting privileges, and exclusive experiences. 

If you have a new UnionBank credit card and want to familiarize yourself with its features, this article is for you. From activation to bills payment, here’s how to use your UnionBank credit card. 

How to Activate Your UnionBank Credit Card

Before you get to enjoy everything a UnionBank credit card has to offer, you need to activate it first. 

It’s pretty straightforward! Just follow these instructions: 

  1. Once you receive your newly approved UnionBank credit card, download the official UnionBank app.[1] 
  2. Click Sign Up with My Existing Account. Then choose Credit Card
  3. Enter the required details and follow the succeeding prompts. 
  4. On your dashboard, click Activate Card
  5. Input your 16-digit card number, card expiry date, and birth date. 
  6. Verify your activation by entering the OTP sent to your mobile number.

 


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moneymax unionbank credit card welcome gift

Eligible card: Any UnionBank credit card 

Promo period: Until June 30, 2024

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This Moneymax UnionBank welcome gift promo runs until June 30, 2024 only.

Per DTI Fair Trade Permit No. FTEB-193077 Series of 2024. Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-193104 Series of 2024. Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-194518 Series of 2024. Terms and conditions apply.

Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.


How to Use Your UnionBank Credit Card 

Your UnionBank credit card is a smart spending tool loaded with practical features. Here’s how to use them: 

📌 Inhouse Installment

unionbank credit card - inhouse installment

UnionBank’s Inhouse Installment allows you to purchase big-ticket items, pay bills, and do balance transfers in lighter monthly payments. The bank’s Inhouse Installment programs include the following: 

  • EasyConvert - Turn your credit card purchases into light installments. This applies to unbilled local, international, and online straight single-receipt purchases of at least ₱3,000. 
  • EasyBill – Manage the payments for your monthly credit card bill by converting part of your billed balances into installments. 
  • EasyCash – Convert your available credit limit into cash and pay it back in monthly installments. 
  • EasyTransfer – If you have multiple credit cards and you want to remember just one due date, use EasyTransfer to transfer other credit card balances to your UnionBank credit card. The total will then be divided into monthly installments. 

Read more: Is a Balance Transfer Credit Card a Good Idea? Here's How It Works

How to Use UnionBank’s Inhouse Installment

To apply for UnionBank credit card installment, follow these steps: 

  1. Contact the UnionBank Installments hotline at (+632) 8981-4700. 
  2. Click the link sent to you via email or SMS.
  3. Follow the succeeding prompts to complete your application. 

Note: You may also log in to your UnionBank Online account to apply. 

📌 PayEasy 

unionbank credit card - payeasy

PayEasy is another installment program from UnionBank. Its difference from the bank’s other installment schemes, however, lies in its 0% interest feature, making it ideal for big-ticket purchases. Payment terms are up to 36 months. 

In addition, PayEasy is available only at select stores. Fortunately, the bank has partnerships with more than 7,000 in-store merchants nationwide. 

PayEasy doesn’t have a maximum number of transactions. Nevertheless, note that use of this service is still subject to approval. 

How to Use UnionBank’s PayEasy

To use UnionBank’s PayEasy program, follow these instructions: 

  1. Check if the shop you’re buying from is part of UnionBank’s list of partner merchants.[2] 
  2. Once you confirm that the merchant is a PayEasy partner, swipe your card. 
  3. Acknowledge the terms and conditions by signing the PayEasy charge slip. 

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moneymax unionbank credit card promo - dyson raffle

Promo period: Until June 11, 2024

Raffle draw date: June 25, 2024

You can get a Dyson V8 Slim Fluffy Vacuum for free—what a steal, right? Until June 11, just apply and get approved for an eligible UnionBank credit card via Moneymax to join the raffle! 

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The draw date for this Moneymax UnionBank raffle is on June 25, 2024. The winners will be announced on June 28, 2024 via the official Moneymax Facebook page. Per DTI Fair Trade Permit No. FTEB-194898 Series of 2024. Terms and conditions apply. 

Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.


📌 PayBill 

unionbank credit card - paybill

How to pay bills using a UnionBank credit card? You can do so using PayBill, the bank’s facility that automatically takes payments for utility bills from your credit card account. 

With this system, utility bills become part of your credit card bill. This means you need to remember only one due date for all your bills. If your application for PayBill is approved, you will see the enrolled utility bill in your Statement of Account. 

How to Use UnionBank’s PayBill 

To apply for PayBill, you need to accomplish the auto-charge enrollment form via any of the following methods: 

  • Call the bank’s Customer Service Hotline at (02) 8841-8600.
  • E-mail the accomplished enrollment form to UnionBank at customer.service@unionbankph.com. Follow this format for the e-mail subject: PayBill | Enrollment | (Biller) | (Cardholder’s Name)
  • Log into UnionBank Online. Once logged in, click Credit Cards > Features and Benefits > PayBill.

Related: Say Goodbye to Late Payments with These Credit Card Payment Methods

📌 UnionBank Cash Advance 

With the UnionBank Cash Advance program, you can use your credit card to get cash up to the limit set by the bank. This comes in handy during emergencies or when you’re short on cash. 

UnionBank charges ₱200 per cash advance transaction. The monthly interest, meanwhile, will depend on your credit card. Here are the rates: 

  • 2.91% – UnionBank Classic, Gold, Visa Platinum, Mastercard Platinum, Miles+ Platinum, PlayEveryday, Lazada Mastercard, Cebu Pacific Gold, Cebu Pacific Platinum, Go Rewards Gold, Go Rewards Platinum, Corporate Cards
  • 3.04% – UnionBank Rewards Visa Platinum, Rewards Platinum Mastercard, Cash Back Visa Platinum, Cash Back Titanium Mastercard, Miles+ Visa Signature, Miles+ World Mastercard, Reserve Visa Infinite, Reserve World Elite Mastercard

How to Use UnionBank Credit Card’s Cash Advance Feature

You can get a cash advance from UnionBank via two ways: online and ATM. Check the following for more details: 

👉 Via UnionBank Online App

  1. Log into your UnionBank Online App.
  2. Tap Get Cash
  3. Indicate the amount you need. 
  4. Agree to the Terms and Conditions.
  5. Tap Request for Cash Advance
  6. Confirm the transaction by entering your one-time PIN. 

👉 Via ATM 

Get cash using your credit card at any UnionBank ATM, BancNet ATM, or associated Mastercard/Visa networks. 

Read more: How Risky is a Credit Card Cash Advance in the Philippines?

📌 Airport Lounge Access

unionbank credit card - airport lounge access

The airport can be a chaotic place. But you can always wait for your flight in peace by heading to one of the airport’s posh lounges. 

Certain UnionBank credit cards, like the UnionBank Miles+ Visa Signature, offer VIP lounge access here and abroad. They also come with a free DragonPass membership and two complimentary visits per membership year.  Your DragonPass membership offers a 20% discount on lounge access fees for your next use and additional guest visits. 

UnionBank Miles+ Visa Signature

UnionBank Miles+ Visa Signature
  • 1 mile for every ₱30 spend
  • ₱1 million travel insurance
  • DragonPass Membership

On the other hand, credit cards like the UnionBank Cebu Pacific Platinum and Miles+ Platinum Visa come with free airport lounge access at Marhaba and PAGSS. 

UnionBank Cebu Pacific Platinum

UB Cebu Pacific Platinum
  • 1 Go Rewards Point for every ₱100 spend at Cebu Pacific  
  • Early alerts to seat sales at Cebu Pacific 
  • Up to ₱10 million travel insurance
  • Unlimited pre-departure lounge access at Marhaba or PAGSS

UnionBank Miles+ Platinum Visa

UnionBank Miles+ Platinum Visa
  • 1.5 points per ₱25 travel-related spend
  • Up to ₱10 million travel insurance
  • Unlimited pre-departure lounge access at Marhaba or PAGSS

How to Use UnionBank’s DragonPass Membership 

Access DragonPass benefits by signing up. Here’s how: 

  1. Go to https://unionbankph.dragonpass.com/ to register. See to it that your credit card is qualified for enrollment. 
  2. After enrollment, you’ll receive an email containing your DragonPass membership number and PIN. 
  3. Download the DragonPass app and log in using the credentials sent to your email. 
  4. After logging in to your DragonPass app, choose a lounge at an airport. Check lounges with the Member Access button. 
  5. After choosing a lounge, click Member Access
  6. You’ll be then issued with a DragonPass ID. Show it to the staff of your chosen lounge. 

How to Use UnionBank’s Free Airport Lounge Access at Marhaba or PAGSS

Enjoy unlimited pre-departure lounge access by presenting the participating UnionBank card together with the unused boarding pass bearing your name and a government-issued ID with your photo. 

📌 Travel Accident Insurance 

unionbank credit card - travel accident insurance

Select UnionBank credit cards come with free Travel Accident Insurance. The program covers injuries or death during the trip in between points of departure and destination. This covers both domestic and international trips. 

The following cards offer this feature:  

  • UnionBank Miles+ Visa Signature – ₱1 million coverage
  • UnionBank Miles+ World Mastercard – ₱1 million coverage
  • UnionBank Reserve Visa Infinite – ₱20 million coverage
  • UnionBank Reserve World Elite Mastercard – ₱20 million coverage

To learn more about this benefit, visit UnionBank’s Travel Accident Insurance FAQ page.[3]

How to Avail of UnionBank’s Free Travel Accident Insurance 

You’re automatically covered by complimentary insurance when you buy travel tickets (air, land, and sea) using your credit card. To get your Certificate of Coverage, contact Oona Insular Insurance Corporation’s hotline at +632 8876-4400 or 09175817175 (Globe) or 09209186242 (Smart).

📌 Overseas Transactions

Traveling abroad soon? Bring your UnionBank credit card—it’s globally accepted! You can use it at more than a million establishments around the world, as long as they have VISA and Mastercard logos. 

A UnionBank credit card also serves as a safety net just in case you run out of cash during your trips abroad. This is because you can avail of a cash advance even when you’re outside the country. 

How to Use Your UnionBank Credit Card for Overseas Transactions 

Just use your credit card the way you would in the Philippines. Tap or swipe it at payment terminals. 

To avail of cash advance abroad, go to an ATM of Visa and Mastercard’s associated networks. Keep in mind that a cash advance PIN is required for this transaction. 

The said PIN is a six-digit number that you’re supposed to nominate to access this service. Nominate yours by logging into your UnionBank Online account or calling the bank’s customer service at (632) 841-8600 or 1-800-1888-2277 (Domestic Toll Free).

 

To avoid inconveniences when using your credit card abroad, call the customer service hotline stated above before your trip.

Read more:

Final Thoughts

Now you know how to use your UnionBank credit card for both everyday and lifestyle spending! 

Don't have a credit card yet and planning to get one from this provider? Note that not all UnionBank credit cards are the same. To find the best one for you, compare your options via Moneymax:

Credit Card
Annual Fee
Minimum Annual Income Requirement
Key Features
UnionBank Rewards Credit Card
UnionBank Rewards Credit Card - Aug 2023
APPLY NOW
₱2,500
₱180,000
  • 1 point per ₱30 spend
  • 3x points for shopping and dining locally and overseas
  • Non-expiring points can be redeemed for cash credits, gadgets, merchandise, and more
UnionBank PlayEveryday
unionbank playeveryday
APPLY-NOW
₱1,500
₱360,000
  • Gamified points system
  • 1 PlayPoint for every ₱10 spend
  • Exclusive deals and rewards worldwide
UnionBank Lazada Credit Card
UnionBank-Lazada-Credit-Card-e1641292471634
APPLY-NOW
₱3,000
₱360,000
  • 6x Lazada Credits for every ₱200 spent on the app
  • 1x Lazada Credit for every ₱200 spent on other transactions
  •  Free shipping and sale vouchers
UnionBank Go Rewards Gold Credit Card
unionbank go rewards gold
APPLY-NOW
₱3,000
₱360,000
  • 1 Go Rewards points for every ₱200 spend
  • Complimentary Go Rewards Black Membership
  • Exclusive Go Rewards deals
UnionBank Cebu Pacific Gold Credit Card
UnionBank-Cebu-Pacific-Gold-1-e1641362718317
APPLY-NOW
₱3,000
₱360,000
  • 1 Go Rewards point for every ₱200 spend
  • 1 Go Rewards point for every ₱100 spend at Cebu Pacific
UnionBank Platinum Visa Card
UnionBank-Platinum-Visa-Card-e1641375874553
APPLY-NOW
₱3,000
₱600,000
  • 24/7 Concierge Service
  • Access to exclusive airport lounges 
  • Travel insurance coverage of up to ₱10 million
UnionBank Cash Back Platinum Visa 
unionbank cashback visa platinum
APPLY-NOW
₱4,500
₱180,000
  • 6% rebate on supermarket purchases
  • 2% cash back on Meralco payments 
  • 0.20% cash back on all other purchases

Sources: 

Jay is a marketing communications professional who specializes in short-form and long-form content. He has written ads for TV, radio, print, and digital. He has also produced corporate blogs, magazine features, white papers, product listings, reviews, and press releases for clients here and abroad. When he’s not writing, Jay plays the piano or takes pictures for his visual diary. Follow Jay on LinkedIn.

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