UnionBank is one of the most trusted financial institutions in the Philippines, thanks to their reliable consumer banking products like savings accounts and loans. The bank is also known for its wide range of 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.
Follow this easy three-step guide for your UnionBank credit card application.
Before you proceed with your application, make sure you meet the UnionBank credit card eligibility requirements:
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:
If you want to get a credit card but are intimidated by annual fees and other charges, check out the UnionBank U Visa Platinum. This card doesn’t have annual fees, late payment fees, and overlimit fees. Plus, you get a 10% rebate on interest charges when you pay at least the minimum amount due on or before the due date.
📌 UnionBank Rewards Credit Card
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!
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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. With this cash back system, you can save as much as ₱15,000 per year.
Plus, your cash back won't expire. Redeem them whenever you want to.
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 ₱20 spent. Making a referral is equivalent to 300 points. You get the drift.
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.
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 Robinson Retail brands!
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.
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.
Moreover, this credit card entitles you to free baggage allowance and priority boarding.
If you want a UnionBank Cebu Pacific credit card with all the bells and whistles, the Platinum variant is your way to go. Other than earning you points whenever you spend at Cebu Pacific and elsewhere, the UnionBank Cebu Pacific Gold gives you unlimited lounge access at Marhaba or PAGSS.
You also get free travel insurance of up to ₱10 million when you charge your airline tickets to your card.
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 as long as you charge your travel tickets to this card.
Read more: Fly for Free When You Convert Your Credit Card Points to Miles
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 a million establishments around the globe.
See also: Why Get Another Card: Is Having Multiple Credit Cards Good or Bad?
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 the 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 UnionBank credit cards, you can always go to a UnionBank branch and submit your requirements.
Better yet, contact UnionBank to see if they can schedule a meeting. Here are the contact details:
Still got some questions regarding UnionBank credit card application? Find the answers below:
Excited to get your new credit card? Remember, the UnionBank credit card approval days are usually between 12 and 14 days.
Just go to the UnionBank website and click the UB icon found on the lower right side of the screen. A chat box will then pop up where you can talk to Rafa of UnionBank, the bank’s dedicated customer service chatbot.
Type Credit Card Application Status, then choose Principal. After that, input your application reference number.
Better yet, contact the UnionBank branch where you lodged your application. Use the bank’s directory to get the branch’s contact details.[3]
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.
Here’s how to activate your card via the UnionBank app:
You can also activate your UnionBank credit card via the chatbot found on UnionBank’s website. Here are the steps:
The primary use of your UnionBank is for purchasing items both online and offline, here and abroad. However, it also comes with other uses and features, such as the following:
This is a frustrating thing to happen, but know that it’s not the end of everything. You can try applying again, but not too soon. Give it at least three months before you apply again.
Know the common reasons behind credit card application rejections. That way, you’ll be prepared for your next application. Here are some of them:
If you want to make a good impression and have your application approved, here are some of the things you need to do:
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:
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