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

UnionBank is one of the most trusted banking institutions in the Philippines. In recent years, it captured the attention of younger clientele and even customers from competing banks because of its advanced and user-friendly mobile banking app. It might even be through this particular app that you’ve become curious about the potential this bank holds, especially when it comes to credit cards.

UnionBank credit cards have a lot of features and benefits. Among the most exciting features are longer credit terms, flexible monthly payments, an installment program with 0% interest, and shared credit card access with family and friends.

The bank’s credit cards also offer exclusive discounts on dining and shopping. If you want to have the first dibs on leisure-specific perks, a credit card from UnionBank makes a good choice. Here's how to apply for a UnionBank credit card in the Philippines.

How to Apply for a UnionBank Credit Card in the Philippines in 2023

Here's an easy three-step guide to follow for your UnionBank credit card application.

Step 1: Check If You’re Eligible for a UnionBank Credit Card

Before you proceed with your application, make sure you meet the UnionBank credit card eligibility requirements:

👉 UnionBank Credit Card Application Requirements

• Must be 18 to 70 years old
• With accomplished application form
• With a valid government-issued ID bearing your photo and signature
• With proof of income (any of the following):
  • Income Tax return (ITR) or Certificate of Compensation Payment and Tax Withheld
  • Certificate of Employment or Employment Contract
  • Latest three-month payslips
  • BIR Form 2316
  • Proof of pension
  • Copies of Bank Statement of Account (SOA) from another bank for the last three months
• For foreigners: Copy of your Alien Certification of Registration or its equivalent document

Step 2: Choose the Right UnionBank Credit Card for You

Not all UnionBank credit cards are created equal. Each has its own set of features and functions that suit specific groups of people based on their needs and priorities. With that, you have to take your time determining first which of these credit cards is the right one for you.

Learn the functions, similarities, and differences of these credit cards so you can pick the card that allows you to manage your payments properly. Here are some of your top options:

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

 

Read on for more details and credit card options.

📌 UnionBank Rewards Credit Card

• Annual fee: ₱2,500 (Free for life if you apply and get approved by August 31, 2023)^[1]
• Interest rate: 3%
• Minimum monthly income: ₱15,000
• Rewards:
  • 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

Enjoy waived annual fees for life and maximum rewards just for U! With a UnionBank Rewards Card, racking up points is quick and easy. Triple your non-expiring points when you use the Rewards Visa Platinum card for shopping and dining transactions.

If you qualify for UnionBank's no annual fee promo, you can save ₱2,500 per year on annual membership fees forever!

📌 UnionBank Classic Visa Card

• Annual fee: ₱1,500
• Interest rate: 3%
• Minimum monthly income: ₱15,000
• Rewards: 1 point per ₱35 spend

Looking for a UnionBank credit card for beginners? Look no further than the Classic Visa Card. With this no-frills credit card, you can pay your utility bills easily—automate your payments, pay up to 36 monthly installment terms with 0% interest, and charge your car insurance in easy installments. 

As a plus, you earn 1 rewards point for every ₱35 spend and get free life insurance coverage of up to ₱400,000.

Read more: Credit Card Installment: How It Works, Advantages, and Disadvantages

📌 UnionBank Gold Visa Card

• Annual fee: ₱2,500 
• Interest rate: 3%
• Minimum monthly income: ₱15,000
• Rewards: 1 point per ₱35 spend

At some point, you’ll want a credit card that gives access to more features and perks. If you’re a legit rewards finder, this card is for you.

Just like the Classic Visa card, you can use the UnionBank Gold Visa Card for everyday purchases. But what makes it an upgrade from the starter Visa card is that it has a wide range of rewards, from shopping certificates to travel points.

If you’re traveling, you can also enjoy unlimited pre-departure lounge access by presenting your card at the Marhaba Lounge at NAIA Terminals 1 and 3.

Related: How to Redeem Credit Card Points in the Philippines

📌 UnionBank Platinum Visa Card

• Annual fee: ₱3,000
• Interest rate: 3%
• Minimum monthly income: ₱50,000

If you want to enjoy the finer things in life, this top-tier card is a great pick. Premium credit card seekers can use the UnionBank Platinum Visa not just for everyday purchases but also for high-ticket items.

Exclusive rewards are also in store for Platinum Visa cardholders, especially for travel. For one, you can enjoy pre-departure access to exclusive airport lounges in the metro. And when you charge your travel fare using this card, you’ll receive insurance coverage of up to ₱10 million.

📌 UnionBank Lazada Credit Card

• Annual fee: ₱3,000
• Interest rate: 3%
• Minimum monthly income: ₱30,000
• Rewards: 6x Lazada Credits for every ₱200 spent on the app

Love shopping online? The UnionBank Lazada Credit Card is your sulit shopping companion.

For every ₱200 purchase at Lazada app, you’ll get ₱6 Lazada Credits. You also get access to exclusive discounts and privileges, such as free shipping and sale vouchers.

📌 UnionBank Miles+ Platinum Visa

• Annual fee: ₱3,000
• Interest rate: 3%
• Minimum monthly income: ₱50,000
• Rewards: 1 point per ₱25 everyday spend, 1 point per ₱25 travel-related spend

Another great credit card option for travelers is UnionBank’s Miles+ Platinum Visa. If you're an avid traveler, you can convert points to miles with the bank’s partner airlines, such as Philippine Airlines and Cebu Pacific. You also get free airport lounge access and free travel insurance.

Your points don't expire, so redeem your rewards anytime, anywhere!

📌 UnionBank PlayEveryday

• Annual fee: ₱1,500
• Interest rate: 3%
• Minimum monthly income: ₱30,000
• Rewards: Depending on the activities designated by UnionBank^[2]

The bank describes its PlayEveryday credit card as something that makes adulting activities fun. Indeed, UnionBank's gamified rewards system is for cardholders who take rewards hunting very seriously. 

Collect points by fulfilling seemingly mundane banking activities. For example, setting up a PlayEveryday profile will give you 500 points. Spending via your PlayEveryday credit card will give you 1 point for every ₱10 spent. Depositing at least ₱10,000 to your debit account is equivalent to 100 points. You get the drift.

📌 UnionBank Gold Mastercard

• Annual fee: ₱2,500
• Interest rate: 3%
• Minimum monthly income: ₱30,000

As a credit cardholder, you want to make the most of your little plastic card. Good news, because the UnionBank Gold Mastercard has an exciting cashback feature: you get a 1.5% rebate on all purchases with no caps!

📌 UnionBank Platinum Mastercard

• Annual fee: ₱3,000
• Interest rate: 3%
• Minimum monthly income: ₱50,000

Another great option for value-driven cardholders is the UnionBank Platinum Mastercard. Use it for everyday purchases to earn 1.5% cashback.

Plus, there are travel perks. Get free lounge access at NAIA Terminals 1 and 3 and free life insurance coverage of up to ₱400,000.

If you're wondering, "Can I use my UnionBank credit card abroad?" the answer is yes—this card is accepted at over 30 million establishments worldwide.

📌 UnionBank Cebu Pacific Gold

• Annual fee: ₱3,000
• Interest rate: 3%
• Minimum monthly income: ₱30,000
• Rewards: 1 rewards point for every ₱200 spend, 1 rewards point for every ₱100 spend at Cebu Pacific

Are you a frequent flyer who’s always on the lookout for seat sales? You've probably heard of the UnionBank Cebu Pacific Gold credit card and how a lot of travelers swear by it. Cardholders receive early alerts on Cebu Pacific seat sales and points every time they use it.

📌 UnionBank Cebu Pacific Platinum

• Annual fee: ₱5,000
• Interest rate: 3%
• Minimum monthly income: ₱50,000
• Rewards: 1 rewards point for every ₱200 spend, 1 rewards point for every ₱100 spend at Cebu Pacific

While UnionBank calls Cebu Pacific Gold a budget traveler’s card, the Platinum version is made for the luxury holidaymaker. This card gives you a free extra 5kg baggage allowance, priority check-in, unlimited lounge access, and travel insurance. You’ll also receive early alerts on the air carrier’s seat sales and exclusive deals.

See also: Here’s Why You Should Have More Than One Credit Card

Step 3: Fill Out the UnionBank Online Credit Card Application Form

Before proceeding with the application process, make sure you have all the UnionBank credit card requirements ready (refer to the list above). For your convenience, we recommend that you apply online.

Wondering how to apply for a credit card in UnionBank online, or how to do so via the UnionBank app? You'll have to go to UnionBank’s Credit Card Application page on their website^[3] and provide the pertinent information. See to it that the details you input are accurate and up-to-date to avoid delays and problems down the line.

With this mode of application, there’s no need to fall in line at the bank. But if you want to get things done in person or learn more about their credit cards, contact UnionBank to see if they can schedule a meeting.

Here are the UnionBank contact details:

• Metro Manila: (+632) 8841-8600
• PLDT Domestic Toll-Free: 1-800-1888-2277
• International Toll-Free: (IAC) + 800-8277-2273
• Email Address: customer.service@unionbankph.com

UnionBank Credit Card Application FAQs

1. How long does the processing time and approval take for UnionBank credit card applications?

Excited to get your new credit card? Remember, UnionBank may take 12 to 14 working days to approve your credit card application.

2. How can I check my UnionBank credit card application status in the Philippines?

Simply reach out to UnionBank and inquire about your credit card delivery status.

Alternatively, you can conveniently check your application status via UnionBank’s dedicated customer service page named Talk to Rafa of UnionBank^[4] on the UnionBank PH website. Key in the reference number from the SMS or email you received after completing your credit card application.

You can also search Talk to Rafa of UnionBank on Facebook Messenger to initiate a chat conversation.

3. How to activate a UnionBank credit card?

As soon as the UnionBank credit card is delivered to you, activate it if you want to use it right away. You can do so using the UnionBank mobile banking app, which is available on App Store and Google Play.

You can also activate it through Facebook Messenger via Talk to Rafa of UnionBank. Just input the necessary details and wait for the card to be activated.

Final Thoughts

UnionBank has a wide range of credit cards that suit different clients, from lifestyle mavens to value-driven consumers. To find the best one for you, compare credit cards, learn how to apply for a UnionBank credit card in the Philippines, and choose wisely. The application process is easy when you already know what you want and prepare your requirements beforehand.

If you want to know more about how you can use or maximize your credit card, feel free to browse our articles. You may also check out our application guides for other credit cards.

Sources:

• ^[1] UnionBank Rewards Credit Card No Annual Fee Promo 
• ^[2] UnionBank PlayEveryday
• ^[3] UnionBank Credit Card Application Page
• ^[4] Talk to Rafa of UnionBank