UnionBank Travel Credit Cards: 7 Best Options to Bring on Trips

Jay Pagkatotohan

Jay Pagkatotohan

Last updated April 12, 2024

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. 

Read more: UnionBank Credit Card Promos for New Cardholders, Travelers, and More

✅ 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. 


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moneymax unionbank credit card welcome gift

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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 

UnionBank Rewards Credit 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%

Read more: Moneymax Reviews: How Rewarding is a UnionBank Rewards Credit Card?

UnionBank Cebu Pacific Gold

UB 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

UB 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

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%

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The draw date for this Moneymax raffle promo is on June 14, 2024. The winners will be announced on June 28, 2024 via the official Moneymax Facebook page. Per DTI Fair Trade Permit No. FTEB-191900 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 Miles+ Platinum Visa 

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

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

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
UnionBank Rewards Visa card (1)
APPLY-NOW
  • 3x points when you dine and shop locally and abroad  
  • Worldwide acceptance 
UnionBank Cebu Pacific Gold
unionbank cebu pacific gold
APPLY-NOW
  • 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 
unionbank cebu pacific platinum
APPLY-NOW
  • 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
ub miles+ visa signature
APPLY-NOW
  • 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 
UnionBank Miles+ Platinum Visa
COMPARE NOW
  • 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
unionbank miles world mastercard
COMPARE NOW
  • 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
unionbank shell power visa
COMPARE NOW
  • 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

Related reading: Moneymax Reviews: Enjoy 4x the Fun with HSBC Red Mastercard

How to Choose the Best UnionBank Travel Credit Card for You

unionbank travel credit card - how to choose

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. 

Related: Metrobank World vs Platinum Mastercard®: Which is Better for You?

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
UnionBank Rewards Visa card (1)

APPLY-NOW

  • 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®
metrobank PLATINUM MASTERCARD
APPLY-NOW
  • 1 rewards point for every ₱20 spend
  • Points redeemable for air miles
Metrobank World Mastercard®
metrobank WORLD MASTERCARD
APPLY-NOW
  • 2x rewards points for international purchases
  • Exclusive access to airport deals
HSBC Platinum Visa Rebate
HSBC VISA PLATINUM
APPLY-NOW
  • 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
security bank platinum
APPLY-NOW
  • 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
security bank world mastercard
APPLY-NOW
  • 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
BPI Plat Rewards
APPLY-NOW
  • 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
BPI Signature Card
APPLY-NOW
  • 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

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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