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.
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:
Your UnionBank credit card is a smart spending tool loaded with practical features. Here’s how to use them:
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:
Read more: Is a Balance Transfer Credit Card a Good Idea? Here's How It Works
To apply for UnionBank credit card installment, follow these steps:
Note: You may also log in to your UnionBank Online account to apply.
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.
To use UnionBank’s PayEasy program, follow these instructions:
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.
To apply for PayBill, you need to accomplish the auto-charge enrollment form via any of the following methods:
Related: Say Goodbye to Late Payments with These Credit Card Payment Methods
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:
You can get a cash advance from UnionBank via two ways: online and ATM. Check the following for more details:
👉 Via UnionBank Online App
👉 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?
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
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
UnionBank Miles+ Platinum Visa
Access DragonPass benefits by signing up. Here’s how:
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.
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:
To learn more about this benefit, visit UnionBank’s Travel Accident Insurance FAQ page.[3]
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).
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.
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:
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:
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