Rewards of the UnionBank Shop & Talk Card

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Published on: September 15, 2013 Last updated: November 5, 2019

We always wish to make the most of our hard-earned money. This is why we never stop searching for a credit card with alluring and attractive reward programs. Now, let’s have a look at the UnionBank Shop & Talk Credit Card and assess its reward program.

Convert your Reward Points to Peso Load

While most credit cards in the Philippines offer reward points that can be used to redeem goodies, the Shop & Talk Card offers reward points that can be converted to load and credited to the cardholder’s number automatically.

Talk with Loved Ones over the Phone

For most of us, the cellphone is one of the most accessible and personal means of communication. We can spend hours discussing from trivial matters to the most intimate secrets to our friends and family relatives.

How to Earn Reward Points?

The Shop & Talk Card has an automatic redemption feature (for more information, click here). It offers us two ways to earn points at ease. We can earn P0.10 load with every P20 spend charged to the Shop & Talk Card. Meanwhile, for every P50 worth of revolving we can earn P0.10 load with every P20 spend charged to the Shop & Talk Card. Meanwhile, for every P50 worth of revolving outstanding balance, we can also earn a P0.10 load.

The Non-Expiring Reward Points of the Shop & Talk Card

There is no need to worry about reward points expiring as they will automatically be credited to your number as peso load every month. For prepaid subscribers, the expiration of the load depends on the terms and conditions of their network providers.

With the Shop and Talk Card, enjoy your shopping trips and earn the points to talk with the one you love over the phone until you drop!


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With a goal to help Filipinos lead healthier financial lives, Moneymax regularly publishes tips and tricks on personal finance and lifestyle, among many other topics. For more finance-related news and articles, follow Moneymax on Linkedin.