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

Jay Pagkatotohan

Jay Pagkatotohan

Last updated May 14, 2024

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 the said app that you’ve become curious about the potential this bank holds, especially when it comes to credit cards.

UnionBank credit cards offer a lot of features and benefits. Among its 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. Its credit cards also offer exclusive discounts on dining and shopping.

So if you want 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 2024

Follow this easy three-step guide for your UnionBank credit card application.

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

how to apply for a credit card in unionbank - eligibility

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: 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:

📌 UnionBank Rewards Credit Card

UnionBank Rewards Credit Card
  • Annual fee: ₱2,500 (Free for life if you apply, get approved by June 30, 2024, and meet the minimum spend requirement)
  • 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 Credit Card, you can quickly and easily rack up points. Triple your non-expiring points when you use this 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!

Related:


🎁 Free Gift from Moneymax: Marshall Emberton II, Dolce Gusto Genio S Plus, Apple AirPods 2, or JBL Tune 720BT, or Giftaway Cash Credits

moneymax unionbank credit card welcome gift

Eligible card: Any UnionBank credit card 

Promo period: Until June 30, 2024

Get a Marshall Emberton II worth ₱9,990, Dolce Gusto Genio S Plus worth ₱8,699, Apple AirPods 2 worth ₱8,490, JBL Tune 720BT Wireless Headphones worth ₱4,699, or Giftaway cash credits 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 June 30, 2024 only.

Per DTI Fair Trade Permit No. FTEB-193077 Series of 2024. Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-193104 Series of 2024. Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-194518 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 Cash Back Visa Platinum

UnionBank Cash Back Visa Platinum Credit Card
  • Annual fee: ₱4,500
  • Interest rate: 3%
  • Minimum monthly income: ₱15,000
  • Cash back:
    • Up to 6% rebate on supermarket purchases
    • Up to 2% cash back on Meralco bill payments through UnionBank Online
    • 0.20% cash back on all other purchases

If you plan to use your credit card for essential spending, get the UnionBank Cash Back Visa Platinum. Get rebates of up to 6% on your groceries, up to 2% on Meralco payments, and 0.2% on other transactions. Talk about big savings!

Plus, your cash back won't expire. Redeem them whenever you want to. 

📌 UnionBank PlayEveryday

UnionBank PlayEveryday
  • Annual fee: ₱1,500
  • Interest rate: 3%
  • Minimum monthly income: ₱30,000
  • Rewards: 1 point per ₱10 spend

The bank describes its PlayEveryday credit card as a tool 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.[1] 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. Making a referral is equivalent to 300 points. You get the drift.

📌 UnionBank Lazada Credit Card

Unionbank Lazada
  • Annual fee: ₱3,000
  • Interest rate: 3%
  • Minimum monthly income: ₱30,000
  • Rewards:
    • 6x Lazada Credits for every ₱200 spent on the app
    • 1 Lazada Credit for every ₱200 spent on other purchases and transactions

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

For every purchase worth ₱200 on the 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 Go Rewards Gold Credit Card

UnionBank Go Rewards Gold Visa
  • Annual fee: ₱3,000
  • Interest rate: 3%
  • Minimum monthly income: ₱30,000
  • Rewards: 1 Go Rewards points for every ₱200 spend

Use the UnionBank Go Rewards Gold Credit Card to earn 1 Go Rewards point for every ₱200 spend. Accumulate points and use them to pay for your purchases at over 2,000 partner stores!

Get a complimentary Go Rewards Black Membership, access to exclusive Go Rewards promos, and 3,000 Go Rewards points as a welcome gift once you get approved for this card. 

📌 UnionBank Cebu Pacific Gold Credit Card

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

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 earn points every time they use it.

📌 UnionBank Cebu Pacific Platinum Credit Card

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

While UnionBank calls Cebu Pacific Gold a budget traveler’s card, the Platinum version is made for the luxury holidaymaker. This card gives you unlimited lounge access at Marhaba or PAGSS and travel insurance. You’ll also receive early alerts on the air carrier’s seat sales and exclusive deals.

📌 UnionBank Miles+ Visa Signature

UnionBank Miles+ Visa Signature
  • Annual fee: ₱5,000
  • Interest rate: 3%
  • Minimum monthly income: ₱30,000
  • Rewards: 1 mile for every ₱30 spend

Another great credit card option for travelers is UnionBank Miles+ Visa Signature. If you're an avid traveler, you can rack up miles fast with this card. You also get free airport lounge access and ₱1 million worth of travel insurance.

Read more: Fly for Free When You Convert Your Credit Card Points to Miles

📌 UnionBank Platinum Visa Card

UnionBank Platinum Visa

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

If you enjoy the finer things in life, this top-tier card is a great pick. 

Exclusive rewards are in store for Platinum Visa cardholders, especially for travel. For one, you can enjoy pre-departure access to exclusive airport lounges in the metro. Also, enjoy 24/7 Concierge Services where ever you are in the world. 

When you charge your travel fare using this card, you’ll receive insurance coverage of up to ₱10 million.

📌 UnionBank Platinum Mastercard

UB 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% cashback.

Plus, there are travel perks. Get free lounge access at NAIA Terminals 1 and 3. 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.

See also: Why Get Another Card: Is Having Multiple Credit Cards Good or Bad?

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.

In fact, you don't have to leave this website—you can easily apply through Moneymax! Click Apply Now on your preferred card to start. See to it that the details you input are accurate and up-to-date to avoid delays and problems down the line.

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 page on their website,[2] choose your preferred card, and provide the pertinent information. 

With an online 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

Win a Dyson V8 Slim Fluffy Vacuum via Moneymax!

moneymax unionbank credit card promo - dyson raffle

Promo period: Until June 11, 2024

Raffle draw date: June 25, 2024

You can get a Dyson V8 Slim Fluffy Vacuum for free—what a steal, right? Until June 11, just apply and get approved for an eligible UnionBank credit card via Moneymax to join the raffle! 

Will you be one of the three lucky winners to win this coveted appliance? Click the banner to apply now!

The draw date for this Moneymax UnionBank raffle is on June 25, 2024. The winners will be announced on June 28, 2024 via the official Moneymax Facebook page. Per DTI Fair Trade Permit No. FTEB-194898 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.


How to Apply for a UnionBank Credit Card: 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?

how to apply credit card in unionbank philippines - rafa

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[3] 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 so that you can use the card right away. Card activation can be done through the UnionBank mobile banking app, which is available on the App Store and Google Play Store. 

unionbank app on google play
unionbank app on app store

After downloading and installing the app, launch it, select Activate Card, and follow the prompts. 

 

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 and choose wisely.

The process of how to apply for a UnionBank credit card in the Philippines is easy when you already know what you want and prepare your requirements beforehand. But 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.

Haven't chosen a UnionBank credit card yet? Compare some options easily below:

Credit Card
Annual Fee
Minimum Annual Income Requirement
Key Features
UnionBank Rewards Credit Card
UnionBank Rewards Credit Card - Aug 2023
APPLY NOW
₱2,500
₱180,000
  • 1 point per ₱30 spend
  • 3x points for shopping and dining locally and overseas
  • Non-expiring points can be redeemed for cash credits, gadgets, merchandise, and more
UnionBank PlayEveryday
unionbank playeveryday
APPLY-NOW
₱1,500
₱360,000
  • Gamified points system
  • 1 PlayPoint for every ₱10 spend
  • Exclusive deals and rewards worldwide
UnionBank Lazada Credit Card
UnionBank-Lazada-Credit-Card-e1641292471634
APPLY-NOW
₱3,000
₱360,000
  • 6x Lazada Credits for every ₱200 spent on the app
  • 1x Lazada Credit for every ₱200 spent on other transactions
  •  Free shipping and sale vouchers
UnionBank Go Rewards Gold Credit Card
unionbank go rewards gold
APPLY-NOW
₱3,000
₱360,000
  • 1 Go Rewards points for every ₱200 spend
  • Complimentary Go Rewards Black Membership
  • Exclusive Go Rewards deals
UnionBank Cebu Pacific Gold Credit Card
UnionBank-Cebu-Pacific-Gold-1-e1641362718317
APPLY-NOW
₱3,000
₱360,000
  • 1 Go Rewards point for every ₱200 spend
  • 1 Go Rewards point for every ₱100 spend at Cebu Pacific
UnionBank Platinum Visa Card
UnionBank-Platinum-Visa-Card-e1641375874553
APPLY-NOW
₱3,000
₱600,000
  • 24/7 Concierge Service
  • Access to exclusive airport lounges 
  • Travel insurance coverage of up to ₱10 million
UnionBank Cash Back Platinum Visa 
unionbank cashback visa platinum
APPLY-NOW
₱4,500
₱180,000
  • 6% rebate on supermarket purchases
  • 2% cash back on Meralco payments 
  • 0.20% cash back on all other purchases

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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