7 Best UnionBank Travel Credit Cards

You can’t deny that credit cards make traveling easy and hassle-free.

For instance, you can easily book flights and hotels online. You can pay for your purchases without fishing for cash from your bag. And lastly, you can earn rewards such as points and air miles, which you can use for your next trip.

If you don’t have a travel credit card yet or plan to get one just for travel-related transactions, UnionBank has well-curated options. But which UnionBank travel credit card is best for you?

Read on to find out.

Why Get a UnionBank Travel Credit Card?

unionbank travel credit card - why get

There are several reasons a UnionBank travel credit card makes a good vacation companion. Check them out:

✅ Non-Expiring Rewards Points

According to UnionBank, rewards points or air miles don’t expire as long as your account remains current and active.^[1] This means you can collect as many points or air miles as you want until you’re ready to use them.

Keep in mind, however, that the same feature doesn’t apply to the UnionBank Miles+ Regular or Platinum cards, whose points expire after five years.

✅ Worldwide Acceptance

Since UnionBank travel credit cards bear Mastercard and Visa marks, they're accepted globally. This means you can pay cashlessly for shopping, dining, and experience-related activities abroad.

Plus, the more you spend with your credit card, the more points or air miles you earn!

✅ Free Airport Lounge Access

Depending on your UnionBank travel credit card, you can enjoy free access to the bank’s partner airport lounges. Take advantage of this perk so you can relax and dine in style as you wait for boarding.

✅ Alerts on Seat Sales

Thanks to UnionBank’s partnership with Cebu Pacific, you get exclusive access to the air carrier’s seat sales. With this, you avoid the rush of online bookers and enjoy big savings on your airfares.

✅ Free Travel Insurance

If you charge your travel-related expenses to your UnionBank travel credit card, you get complimentary travel insurance. Enjoy peace of mind knowing that you have financial protection against various travel-related inconveniences.

🎁 Free Gift from Moneymax: E-Gift, Wireless Earbuds, or Headphones

Eligible card: Any UnionBank credit card

Promo period: Until April 30, 2024

Get a pair of Apple AirPods 2 worth ₱8,490, a JBL Tune 720BT worth ₱4,699, or a Giftaway eGift 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 April 30, 2024 only. Per DTI Fair Trade Permit No. FTEB-187582 Series of 2024.

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

7 Best UnionBank Travel Credit Cards

Discover the features of UnionBank travel credit cards below:

UnionBank Rewards Card

While not strictly a travel credit card, the Rewards Card still makes a good holiday buddy. Earn 3x reward points for every dining and shopping spend here and abroad.

This is the best UnionBank travel credit card for beginners or those who want a credit card for everyday transactions.

📌 UnionBank Rewards Card Travel Benefits

3x points when you dine and shop locally and abroad
Worldwide acceptance

📌 Other Features and Benefits

1 point for every ₱30 spend
In-house installment
Car insurance via UnionBank Credit Card’s Secure Insurance Plan

📌 Fees and Charges

Annual fee: ₱2,500
Interest rate: 3%
Foreign currency transaction fee: 3.525%

UnionBank Cebu Pacific Gold

If you constantly fly with Cebu Pacific, get the UnionBank Cebu Pacific Gold card. Every time you spend ₱100 at Cebu Pacific, you earn 1 Go Rewards, which is equivalent to ₱1.^[2]

But perhaps the most exciting feature of this card is that you get early alerts on seat sales.

📌 UnionBank Cebu Pacific Gold Travel Benefits

1 Go Rewards Point for every ₱100 spend at Cebu Pacific
Early alerts to seat sales at Cebu Pacific
Worldwide acceptance
24/7 banking

📌 Other Features and Benefits

1 Go Rewards Point for every ₱200 spend
1 Go Rewards Point = ₱1
Automatic crediting of points
In-house installment
Automatic bills payment

📌 Fees and Charges

Annual fee: ₱3,000
Interest rate: 3%
Foreign currency transaction fee: 3%

UnionBank Cebu Pacific Platinum

The features of this card are almost the same as those of Cebu Pacific Gold. But a couple of key additional features set it apart: free travel insurance and free UnionBank airport lounge access.

The Cebu Pacific Platinum card also doubles as a credit card for everyday expenses. Practical features include PayBill, an automatic bills payment feature, and 0% installment.

📌 Cebu Pacific Platinum Travel Benefits

1 Go Rewards Point for every ₱100 spend at Cebu Pacific
Early alerts to seat sales at Cebu Pacific
Worldwide acceptance
24/7 banking
Travel insurance worth up to ₱10 million
Unlimited pre-departure lounge access at Marhaba or PAGSS

📌 Other Features and Benefits

1 Go Rewards Point for every ₱200 spend
1 Go Rewards Point = ₱1
Automatic crediting of points
In-house installment
Automatic bills payment

📌 Fees and Charges

Annual fee: ₱5,000
Interest rate: 3%
Foreign currency transaction fee: 2%

UnionBank Miles+ Visa Signature

The UnionBank Miles+ Visa Signature earns non-expiring miles fast. It provides up to ₱1 million worth of travel insurance as long as you charge your travel tickets to it.

Does this UnionBank card offer airport lounge access? Yes—this credit card entitles you to VIP access at participating facilities here and abroad. Take advantage of this if you want to rest comfortably before your flight.

📌 UnionBank Miles+ Visa Signature Travel Benefits

1 mile for every ₱30 spend
Non-expiring air miles
Air miles redemption or cash credits for offsetting your next purchase
VIP lounge access at select local and international lounges with Free DragonPass membership plus two free visits per membership year
Up to ₱1 million travel insurance
Worldwide acceptance

📌 Other Features and Benefits

30-Day Purchase Protection Insurance
Virtual card for online shopping
Car insurance via UnionBank Credit Card’s Secure Insurance Plan
In-house installment

📌 Fees and Charges

Annual fee: ₱5,000
Interest rate: 3%
Foreign currency transaction fee: 3.525%

UnionBank Miles+ Platinum Visa

The UnionBank Miles+ Platinum Visa earns points quickly whenever you spend on your trips. Qualified travel-related categories include airline merchants, hotels, and foreign currency spends (international cash advances not included).

You can also redeem points flexibly—as airline miles, fee waivers, or cashback.

Also, this UnionBank card offers airport lounge privileges.

📌 UnionBank Miles+ Platinum Travel Benefits

1.5 points per ₱25 travel-related spend
Unlimited pre-departure lounge access at Marhaba or PAGSS
Up to ₱10 million travel insurance
Worldwide acceptance

📌 Other Features and Benefits

In-house installment
Card’s Secure Insurance Plan
Car insurance via UnionBank Credit Card’s Secure Insurance Plan
Automatic bills payment

📌 Fees and Charges

Annual fee: ₱3,000
Interest rate: 3%
Foreign currency transaction fee: 2%

UnionBank Miles+ World Mastercard

With a pointing system of 1 mile per ₱30 spend, The UnionBank Miles+ World Mastercard lets you earn miles fast. The miles you earn can then be converted either to airline miles or cash credits.

The best thing about this card’s miles? They don’t expire.

This UnionBank card also offers airport lounge access, allowing access into the VIP sections of select facilities here and abroad.

📌 UnionBank Miles+ World Mastercard Travel Benefits

1 mile for every ₱30 spend
Non-expiring air miles
Air miles redemption or cash credits for offsetting your next purchase
VIP lounge access at select local and international lounges with Free DragonPass membership plus two free visits per membership year
Up to ₱1 million travel insurance
Worldwide acceptance

📌 Other Features and Benefits

30-Day Purchase Protection Insurance
Virtual card for online shopping
Car insurance via UnionBank Credit Card’s Secure Insurance Plan
In-house installment

📌 Fees and Charges

Annual fee: ₱5,000
Interest rate: 3%
Foreign currency transaction fee: 3.525%

UnionBank Shell Power Visa Platinum

The UnionBank Shell Power Visa Platinum is for those who love going on road trips—especially car owners loyal to Shell. This card earns up to a 5% rebate on Shell fuel. Plus, you get to enjoy the same cashback rate on tollway load, repair services, and even accessories.^[3]

Traveling internationally? This card is accepted globally, so you can use this Visa credit card for shopping abroad.

📌 UnionBank Shell Power Visa Platinum Travel Benefits

Up to 5% rebate on Shell fuel, tollway load, and car repair services
Savings of up to ₱15,000 a year
10% discount on Shell Helix Oil Change packages
Complimentary 24/7 Emergency Roadside Assistance once a year
Worldwide acceptance

📌 Other Features and Benefits

Virtual card for online shopping
In-house installment
Car insurance via UnionBank Credit Card’s Secure Insurance Plan
Automatic bills payment

📌 Fees and Charges

Annual fee: ₱2,800
Interest rate: 3%
Foreign currency transaction fee: 3.525%

To compare each card's features easily, take a look at this table:

Credit Card	Travel Benefits
UnionBank Rewards Card	3x points when you dine and shop locally and abroad Worldwide acceptance
UnionBank Cebu Pacific Gold	1 Go Rewards Point for every ₱100 spend at Cebu Pacific Early alerts to seat sales at Cebu Pacific Worldwide acceptance
UnionBank Cebu Pacific Platinum	1 Go Rewards Point for every ₱100 spend at Cebu Pacific Early alerts to seat sales at Cebu Pacific Worldwide acceptance Travel insurance worth up to ₱10 million Unlimited pre-departure lounge access at Marhaba or PAGSS
UnionBank Miles+ Visa Signature	1 mile for every ₱30 spend Non-expiring air miles Exclusive lounge access here and abroad Up to ₱1 million travel insurance Worldwide acceptance
UnionBank Miles+ Platinum Visa	1.5 points per ₱25 travel-related spend Unlimited pre-departure lounge access at Marhaba or PAGSS Up to ₱10 million travel insurance Worldwide acceptance
UnionBank Miles+ World Mastercard	1 mile for every ₱30 spend Non-expiring air miles Exclusive lounge access here and abroad Up to ₱1 million travel insurance Worldwide acceptance
UnionBank Shell Power Visa Platinum	Up to 5% rebate on Shell fuel, tollway load, and car repair services Savings of up to ₱15,000 a year 10% discount on Shell Helix Oil Change Packages Worldwide acceptance

How to Choose the Best UnionBank Travel Credit Card for You

While all the cards above offer unparalleled convenience, they still have differences worth taking note of. To narrow down your options and pick the best UnionBank travel credit card, follow these tips:

👉 Determine Your Travel Style

Your travel style encompasses your needs and quirks. Your UnionBank travel credit card should be able to keep up with both.

For instance, get a UnionBank Cebu Pacific credit card if you always fly with the said air carrier. Get the Shell Platinum credit card if you go on multiple road trips every year. If you’re the type of traveler who enjoys the finer things in life, apply for the UnionBank Miles+ World Mastercard.

👉 Look at Your Budget

Credit cards come with a fee. They tend to get more expensive when they offer more features and exclusive perks.

With that, check if your salary allows you to cover the annual fees and other charges, such as interest rates, foreign currency transaction fees, and even penalties.

👉 Check the Rewards System

What kind of reward are you looking for? Points, air miles, or both? Perhaps you’re looking for a card with a specific brand partnership?

Before you apply for a UnionBank travel credit card, check if the rewards are in line with your travel-related goals and preferences. For instance, get a Cebu Pacific credit card if you want to earn miles fast or get first dibs on discounted flight tickets.

👉 Check Other Practical Features

Your travel credit card should also be useful for non-travel occasions.

Does it have a rewards system for everyday spending? Does it come with a supplementary card? Does it have a virtual card for online shopping? Does it let you automatically pay your bills?

These are only some of the questions to ask.

Final Thoughts

With its features and exclusive perks, a UnionBank travel credit card will make your trips here and abroad hassle-free. Moreover, its rewards system makes spending truly exciting.

Make sure to choose the right UnionBank travel credit card. That way, it’ll easily fit into your lifestyle, and you can maximize all of its benefits.

Looking for travel credit cards from other providers? Compare your options below and apply via Moneymax:

Credit Card	Travel Benefits
UnionBank Rewards Card	3x non-expiring rewards points when you shop and dine here and abroad Worldwide acceptance Rewards at participating restaurants, shopping outlets, and leisure establishments nationwide
Metrobank Platinum Mastercard^®	1 rewards point for every ₱20 spend Points redeemable for air miles
Metrobank World Mastercard^®	2x rewards points for international purchases Exclusive access to airport deals
HSBC Platinum Visa Rebate	5% rebate on travel and shopping transactions Free travel accident and travel inconvenience coverage Exclusive deals at shopping, travel, dining, and health and beauty merchants worldwide
Security Bank Platinum Mastercard	Dual currency billing 2 complimentary lounge access annually in more than 1,300 lounges in 500 airports worldwide Unlimited access to A Lounge, Marhaba Lounge, and PAGSS Lounge Up to US$200 coverage with Mastercard E-Commerce Purchase Protection Free travel insurance
Security Bank World Mastercard	6 complimentary lounge access annually in more than 1,300 lounges in 500 airports worldwide Free travel medical insurance worth up to US$100,000 with COVID-19 coverage Exclusive automatic cashback offers from participating stores overseas
BPI Platinum Rewards Card	2 BPI Points for every spend on foreign transactions abroad or online worth ₱20 Low forex conversion rate of just 1.85% Up to ₱10 million in travel insurance coverage 0% interest on airline installment all year round Up to 4 free lounge access annually to more than 1,300 airport lounges worldwide
BPI Signature Card	2 BPI Points for every ₱20 spend Complimentary lounge access to PAGGS at NAIA 1 and NAIA 3 Preferential exchange rates on foreign currencies 24/7 worldwide concierge by Visa