UnionBank Classic Visa Review: Is It the Perfect Card for Beginners?

A credit card offers a convenient way to pay for everyday purchases. But more than that, the right credit card can grant you access to special perks and privileges and give you your money’s worth. 

If you’re shopping for a first credit card or a companion card to your existing one, make sure to check out this UnionBank Classic Visa Card review first. 

UnionBank Classic Visa Card Review: Key Features

• Annual fee: ₱1,500
• Interest rate: 3%
• Minimum monthly income requirement: ₱15,000
• Cash advance fee: ₱200
• Late payment fee: ₱1,000
• Overlimit fee: ₱500
• Foreign transaction fee: 3%
• Card replacement fee: ₱400

For the UnionBank Classic Visa Card credit limit, note that it differs with every cardholder as it is determined by income, credit score, payment history, and credit utilization, just to name a few. 

❓ What is the UnionBank Classic Visa Card? 

The Classic Visa Card is one of UnionBank's most popular credit cards. It may be a beginner credit card with regular features, but that doesn't mean it's not a great companion for essential and lifestyle spending. 

❓ Who is the UnionBank Classic Visa Ideal for? 

The Classic Visa is ideal for first-time credit cardholders who want a credit card to use for everyday purchases. 

Read more: Applying for a Credit Card? Prepare These Credit Card Requirements First

Why Should I Get a UnionBank Classic Visa Credit Card?

✔️ Earn Rewards Points Fast 

Use your UnionBank Classic Visa to pay for your groceries. Swipe it when you dine at your favorite restaurants or cafes, fuel up, travel, or shop at your go-to stores. Use it to purchase those dream concert tickets. 

You earn 1 rewards point with every ₱35 you spend on your UnionBank Classic Visa Card, so make the most of it!

✔️ Purchase Big-Ticket Items at Affordable Terms

Are you planning to get that new laptop, or perhaps a vacation package abroad? Purchase it with this card and pay for up to 36 months at 0% interest. 

What Other Perks Can I Enjoy with My UnionBank Classic Visa Credit Card?

Aside from worldwide acceptance, 24-hour customer service, and overall convenience, here are more features and benefits of the UnionBank Classic Visa credit card.  

👉 No Annual Fee for Life Promo

Want to avoid annual fees for life? Check out how you can waive them for the UnionBank Classic Visa!^[1] 

👉 Flexible Payments

No cash? No worries! With UnionBank’s in-house installment facility, you can convert straight transactions on your UnionBank Classic Visa via EasyConvert and enjoy fixed monthly payments. 

If you have other credit cards and wish to transfer your balance to your UnionBank Classic Visa, you can do so via EasyTransfer. 

Moreover, you can convert your available credit limit to cash via EasyCash. Fund any minor emergency expenses and pay in lighter monthly installments. 

To avail of these features, all you have to do is call the customer service hotline at  (+632) 8841-8600 or email callctr_promos@unionbankph.com. 

👉 Exclusive Discounts 

Your UnionBank Classic Visa Card gives you access to exclusive perks, discounts, and freebies at restaurants, shopping, service, and leisure establishments in the country. 

👉 Rewards Program

Once you accumulate enough points, browse the rewards catalog and redeem the reward of your choice through UnionBank Online. Some rewards up for grabs include shopping gift certificates, movie passes, cash rebates, annual fee waivers, and travel perks. 

👉 Auto Bills Payment

Never miss a payment again when you automatically charge your bills to your UnionBank Classic Visa Card. The EasyCharge Facility allows you to stay on top of your bill payments since you have to remember just one due date for everything. 

👉 Car Insurance Plan

Charge your car insurance to your UnionBank Classic Visa and pay up to 12 monthly installments at 0%. Your insured vehicle then gets access to 24-hour roadside assistance service, which includes towing, battery boosting, flat tire changing, and more. Plus, you earn rewards points that you can redeem for free gas or rebates.

👉 Credit Insurance 

Enjoy free credit insurance coverage for the first two months of your card issuance. This financial security benefit covers minimum monthly payments or the entire statement balance in case of disability or death. 

👉 Credit Card Security and Protection

Your UnionBank Classic Visa credit card has security features to protect your transactions and personal data. Set your credit card use rules and get notified of transactions.  

Convinced already? If you've made up your mind, you can apply for UnionBank Classic Visa Card directly through Moneymax!

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

UnionBank Classic Visa Credit Card Alternatives

Want to explore other credit card options? Check out UnionBank's lineup of cards:

Credit Card	Annual Fee	Minimum Annual Income Requirement	Key Features
UnionBank Rewards Credit Card	₱2,500	₱180,000	1 point per ₱30 spend 3x points for shopping and dining in the Philippines and overseas Non-expiring points can be redeemed for cash credits, gadgets, merchandise, and more
UnionBank Classic Visa	₱1,500	₱180,000	1 rewards point for every ₱35 spend Free life insurance coverage of up to ₱400,000
UnionBank Gold Visa	₱2,500	₱180,000	1 point per ₱35 spend Unlimited pre-departure lounge access at the Marhaba Lounge at NAIA Terminals 1 and 3
UnionBank Lazada Credit Card	₱3,000	₱360,000	6x Lazada Credits for every ₱200 spent on the app  Free shipping and sale vouchers
UnionBank Gold Mastercard	₱2,500	₱360,000	1.5% rebate on all purchases with no cap

 

Need more? Here are some UnionBank Classic Visa credit card alternatives that may suit your needs.

💳 UnionBank Gold Visa 

If you're looking for a broader range of rewards, such as shopping certificates, movie passes, or travel points, check out the UnionBank Gold Visa card. Earn 1 rewards point with every ₱35 spend and enjoy free airport lounge access at the Marhaba Lounge at NAIA 1 and 3. 

The annual income requirement is the same as that of UnionBank Classic Visa, but note that it has a higher annual fee. 

💳 HSBC Red Mastercard 

The HSBC Red Mastercard is another excellent alternative to the UnionBank Classic Visa. It lets you earn 1 bonus point with every ₱20 spend. Moreover, you enjoy a 3% rebate all year round at Caltex. 

To be eligible for the HSBC Red Mastercard, you must have an annual income of at least ₱200,000. 

Related: A First-Timer’s Guide to HSBC Credit Card Application

💳 Metrobank Titanium Mastercard 

Want to earn more points quickly? If you love to dine out and shop in-store or online, check out the Metrobank Titanium Mastercard. Earn one non-expiring rewards point for every ₱20 you spend and double rewards points for your dining, department store, and online transactions. 

If you apply until December 31, 2023, you can enjoy no annual fees with a minimum annual spend of ₱180,000.

💳 Metrobank Platinum Mastercard 

If you’re ready to level up your credit card ownership, consider the Metrobank Platinum Mastercard. You earn 1 point for every ₱20 you spend and get up to 50% off on exclusive dining deals. You also enjoy up to US$200 eCommerce purchase protection. 

If you apply until February 29, 2024, you get 310,000 rewards points (₱70,000 required minimum spend within 60 calendar days from the approval date) and waived annual fees (₱400,000 required minimum annual spend)—provided you have at least one active card from another bank.

Related reading: Metrobank Credit Card Application: A Beginner’s Guide

💳 BPI Blue Mastercard 

Earn BPI Points with BPI Blue Mastercard, BPI's entry-level credit card. Redeem gift vouchers, shopping credits, airline miles, and more. You can also stretch your payment terms for up to 36 months with its Real 0% Special Installment Plan and Buy Now Pay Later offers.

If you book your flight using your Blue Mastercard, you enjoy complimentary travel insurance coverage of up to ₱2 million. 

💳 Security Bank Classic Mastercard 

This entry-level credit card from Security Bank is perfect for first-time credit cardholders. Earn 1 rewards point for every ₱20 spend and collect enough points to redeem items from the rewards catalog. Shop worldwide and get exclusive Mastercard discounts.

Lastly, enjoy waived annual fees in your first year.

Read more: How to Apply and Get Approved for a Security Bank Credit Card 

UnionBank Classic Visa Card Review: Final Thoughts

The UnionBank Classic Visa has a lower minimum income requirement for a beginner credit card than the credit card alternatives mentioned above—one of the lowest in the market, in fact.

Aside from that, this UnionBank Classic Visa credit card review reveals why it’s a must-have credit card, especially for first-time credit cardholders. It offers flexible payments and installments, and the rewards aren't bad for an entry-level credit card.

Source: ^[1] UnionBank Credit Card No Annual Fee Promo