UnionBank Platinum Visa Card vs UnionBank Platinum Mastercard Review

Jay Pagkatotohan

Jay Pagkatotohan

Last updated May 30, 2024

A UnionBank credit card is a wise spender’s best friend. Aside from making both online and offline transactions convenient, it unlocks a world of special perks and rewards, from points and cashback to discounts and 0% installments. 

UnionBank Platinum Visa Card and Platinum Mastercard are two of the bank’s most popular cards. These cards allow you to spend conveniently and indulge in life’s little luxuries. 

Both credit cards bear the word “platinum” in their names, but are there any differences between them? Find out in this UnionBank Platinum Visa Card vs UnionBank Platinum Mastercard review. 

Note: To avoid confusion, this article does not refer to UnionBank Visa Platinum (card number starting with 453248)​ and UnionBank Platinum Mastercard (card number starting with 453248)​.

UnionBank Platinum Visa Card Features

UnionBank Visa Platinum promises to make every purchase or transaction rewarding. Here’s the card at a glance: 

unionbank platinum visa card

  • Annual fee: ₱3,000
  • Interest rate: 3%
  • Annual income requirement: ₱600,000
  • Cash advance fee: ₱200
  • Overlimit fee: ₱500
  • Foreign transaction fee: 2% 
  • Card replacement fee: ₱400

APPLY-NOW

❓ Who is This Card Ideal For?

The UnionBank Platinum Visa is perfect for cardholders looking to enjoy the best of both worlds: a card for everyday spending and a card for traveling abroad. And with its rewards system, it’s designed for cardholders who love collecting points. 

UnionBank Platinum Visa Card Perks

This UnionBank Platinum credit card is packed with features not only for spending but also for earning rewards. Here are some of them:

📌 Rewards Program

With the UnionBank Platinum Visa, you earn points with every spend. Once you earn enough points, you can use them to redeem rewards related to travel, dining, shopping, rebates, and more.[1] 

📌 Airport Lounge Access

Are you a jet-setter? Say goodbye to uncomfortable waiting chairs at the airport! Your UnionBank Platinum credit card grants you airport lounge access to Marhaba at NAIA and PAGSS at NAIA, Davao International Airport, and Puerto Princesa International Airport. 

📌 Free Travel Insurance 

Avid travelers will love the UnionBank Platinum Visa Card because of its free travel insurance. Use this card for your trips to automatically receive coverage worth ₱10 million. You’ll then get free assistance in case of cancellations, delays, or medical emergencies.

📌 24/7 Customer Service

Enjoy top-notch, 24/7 customer service while abroad with Visa Platinum Concierge, which you can use for a variety of needs—scheduling a flight, choosing a restaurant, and more. More importantly, you can avail of such services in case of emergencies, such as lost cards, lost luggage, and more. 

Ready to apply? Get started below: 

UnionBank Platinum Visa


🎁 Free Gift from Moneymax: Marshall Emberton II, Dolce Gusto Genio S Plus, Apple AirPods 2, or JBL Tune 720BT, or Giftaway Cash Credits

moneymax unionbank credit card welcome gift

Eligible card: Any UnionBank credit card 

Promo period: Until June 30, 2024

Get a Marshall Emberton II worth ₱9,990, Dolce Gusto Genio S Plus worth ₱8,699, Apple AirPods 2 worth ₱8,490, JBL Tune 720BT Wireless Headphones worth ₱4,699, or Giftaway cash credits worth ₱4,000! Just apply for any UnionBank credit card via Moneymax, get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date.

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.


UnionBank Platinum Mastercard Features

Spend conveniently and enjoy exclusive rebates with the UnionBank Platinum Mastercard. Here are the card’s key specs: 

unionbank platinum mastercard

  • Annual fee: ₱3,000
  • Interest rate: 3%
  • Annual income requirement: ₱600,000
  • Cash advance fee: ₱200
  • Overlimit fee: ₱500
  • Foreign transaction fee: 2% 
  • Card replacement fee: ₱400

APPLY-NOW

❓ Who is This Card Ideal For?

The UnionBank Platinum Mastercard is a flexible card you can use for both essentials like groceries and lifestyle spend. It’s ideal for cardholders who want to strike a balance between practicality and luxury since it offers cash back and travel perks. 

UnionBank Platinum Mastercard Perks

Here’s what to expect should you get this card:

📌 Unlimited Cash Back

Earn 1% cash back on all purchases, with no cap—regardless of category! Your cash back won’t expire, so accumulate as much as you like. 

Use the handy Mastercard Cash Back Calculator[2] to get an estimate of how much rebate you can earn.

📌 Airport Lounge Access

Travel in style and comfort with your UnionBank Platinum Mastercard’s lounge access, available at Marhaba in NAIA and PAGSS in NAIA, Davao International Airport, and Puerto Princesa International Airport. 

📌 Worldwide Acceptance

If you travel frequently, bring this card along as a handy companion. Use it at over 30 million establishments and ATMs worldwide!

Apply directly below:

UB Platinum Mastercard

Read more: How to Choose a Credit Card Based on Your Needs and Lifestyle

UnionBank Platinum Visa Card vs UnionBank Platinum Mastercard: A Comparison

Both cards have the same annual fee and income requirement. They also come with travel perks.

However, the UnionBank Platinum Visa Card earns points while the UnionBank Platinum Mastercard earns cash back, so it all boils down to your preference. 

Credit Card Annual Fee Interest Rate Features
UnionBank Platinum Visa Card ₱3,000 3%
  • Rewards related to travel, dining, shopping, rebates, and more
  • Marhaba and PAGSS airport lounge access 
  • Free travel insurance worth ₱10 million
  • Visa Platinum Concierge services
UnionBank Platinum Mastercard ₱3,000 3%
  • 1 % cash back on all categories
  • Marhaba and PAGSS airport lounge access 
  • Worldwide acceptance

 

Read more: How to Apply for a UnionBank Credit Card in 3 Easy Steps


Win a Dyson V8 Slim Fluffy Vacuum via Moneymax!

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! 

Will you be one of the three lucky winners to win this coveted appliance? Click the banner to apply now!

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.


UnionBank Platinum Visa and Platinum Mastercard Alternatives

If the two cards above don’t hit the spot, consider these alternatives: 

💳 Metrobank Platinum Mastercard®

Metrobank Peso Platinum Mastercard

The Metrobank Platinum Mastercard® is the ultimate shopping and food trip buddy. Use it to enjoy up to 50% off dining deals and free e-commerce protection insurance for online purchases. Plus, you earn 1 point for every ₱20 spend!

Want to share the features and perks of your card? Get your first supplementary card for free!

💳 HSBC Platinum Visa Rebate 

HSBC Platinum Visa Rebate

Prefer rebates over points? Use the HSBC Platinum Visa Rebate to earn a 5% rebate on shopping and travel spend, 1% rebate on insurance, and 0.50% rebate on all other transactions. 

If you’re a Caltex patron, earn 6% rebate on your first Caltex transaction and 3% rebate on your succeeding Caltex fuel purchases all year round. 

Read more: HSBC Credit Card Application: 4-Step Guide for First-Timers

💳 Security Bank Platinum Mastercard

Security Bank Platinum Mastercard

With its travel-related perks, the Security Platinum Mastercard is a jet-setter’s companion. This credit card entitles you to free access to local airport lounges, such as A Lounge, Marhaba Lounge, and PAGSS Lounge. 

Its dual currency billing, meanwhile, lets you skip the inconveniences of exchanging foreign currencies when paying international transactions. Book your airline tickets with your Security Bank credit card to get free travel insurance. 

Also, earn 2 points for every ₱20 spend!

Read more: Security Bank Credit Card Application in 5 Quick Steps

💳 BPI Platinum Rewards Card

BPI Platinum Rewards Card

The BPI Platinum Rewards Card is designed for shoppers, points hunters, and travelers. Earn points fast—every ₱30 local spend or ₱20 foreign transaction online and abroad is equivalent to 2 BPI Points. Redeem rewards like shopping eGCs, dining eGCs, or miles. 

Buy travel tickets with your BPI Platinum Rewards Mastercard and enjoy these travel perks: 0% installment on airline tickets for up to six months and free travel insurance worth up to ₱10 million. 

💳 UnionBank Miles+ World Mastercard

UnionBank Miles+ World Mastercard

If you travel via plane multiple times a year, consider getting the UnionBank Miles+ World Mastercard. Instead of earning points or cash back, you get 1 mile for every ₱30 spend. Convert these miles to redeem airline miles for future flights or cash credits for your next purchase. They don’t expire!

This card also entitles you to VIP lounge access at airport lounges here and abroad. And if you charge your travel tickets to your card, you get up to ₱1 million travel insurance. 

Final Thoughts 

Regardless of the UnionBank Platinum credit card you choose, you’ll surely be able to enjoy and maximize it. After all, both cards are from one of the biggest and most trusted banks in the Philippines! 

Meanwhile, take a look at other UnionBank credit cards below. If you find anything you like, apply via Moneymax today:

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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