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How to Earn and Redeem UnionBank Credit Card Rewards Points

Jay Pagkatotohan

Jay Pagkatotohan

Last updated January 25, 2024

UnionBank credit cards are among the most popular spending tools out there. Aside from convenience, you also enjoy exclusive privileges, such as free travel insurance and discounts, depending on your card. 

Plus, UnionBank credit cards make spending rewarding. Every swipe or tap of your card can earn points, which you can then use to enjoy various perks. 

If you’re new to the UnionBank credit card rewards points program, check out this handy guide. 

What are UnionBank Credit Card Rewards Points? 

unionbank credit card rewards points

UnionBank defines rewards points as a point earned by a client when participating in the rewards program using a credit card. In simpler terms, you earn points by spending using your UnionBank credit card. 

However, keep in mind that you can only earn points when making qualified purchases or transactions at the bank’s partner shops and establishments. 

👉 Do UnionBank Credit Card Rewards Points Expire? 

No, they don’t, as long as the account remains current and active. However, this rule doesn’t apply to certain cards, such as the UnionBank Miles+ Regular or Platinum Credit Card, whose points expire after five years.

Also, keep in mind that rewards points or miles are non-transferable. 

Types of Rewards You Can Redeem With Your UnionBank Credit Card

Each reward is equivalent to a specific number of points. Once you have enough, you can convert them into the following rewards: 

🎁 Air Miles 

Are you a jet-setter looking to save money on flights? Convert your UnionBank credit card rewards points into PAL Mabuhay Miles. This rewards scheme applies to the following credit cards: 

  • UnionBank Platinum Visa
  • UnionBank Miles+ Platinum Visa

🎁 Annual Fee Waiver

Get your annual fee waived for one less expense to worry about! 

🎁 Gift Certificates 

Save up your points to receive gift certificates from UnionBank’s partner merchants. Currently, you can redeem gift passes from the following brands:

  • SM 
  • Rustan’s 
  • The North Face
  • Burgoo (only applicable to Burgoo credit cardholders)

🎁 Petron e-Fuel Card Load

Your UnionBank credit card points also entitle you to a Petron e-Fuel Card[1] load. Usually, the load will be transferred to your Petron e-Fuel card within seven to 10 banking days from the redemption date. 

Note: The information above is based on UnionBank’s rewards scheme as of 2023. If you want to learn more or see the updated list, contact UnionBank via their official channels. 

Where You Can Earn UnionBank Credit Card Rewards Points 

unionbank credit card rewards points - where you can earn

To earn points, use your principal or supplementary credit card to make a qualified purchase or transaction at establishments such as the following: 

  • Supermarkets
  • Drugstores
  • Gasoline Stations

On the other hand, the following transactions and charges are not eligible for points:  

  • Annual membership fees
  • Program fees
  • Cash advances
  • Interest charges
  • Late payment charges
  • Government charges
  • Bill Manager utility enrollments
  • Disputed transactions
  • Card replacement fees 

Read more: Credit Card Dos and Don’ts: What Should You Do and Not Do with Your Card?

Which UnionBank Credit Cards Earn Points?

Not all UnionBank credit cards earn points the same way. Check out some UnionBank credit cards and their corresponding points system:

💳 UnionBank Rewards Credit Card

UnionBank Rewards Credit Card
  • Annual Fee: ₱2,500
    • No annual fee for life when you apply via Moneymax until January 31, 2024
  • Interest rate: 3%
  • Rewards: 
    • 1 rewards point for every ₱30 spend
    • 3x points when you shop and dine locally and abroad

🎁 Free Welcome Gift: No Annual Fee for Life Plus Maximum Rewards for U!

moneymax unionbank rewards credit card no annual fee promo

Eligible card: UnionBank Rewards Credit Card

Promo period: Until February 29, 2024

Say goodbye to annual fees forever and hello to next-level rewards with your new UnionBank Rewards Card! Just apply via Moneymax and get approved within the promo period, and then meet the ₱20,000 spend requirement within 60 days from your card approval date.

This Moneymax UnionBank Rewards Credit Card No Annual Fee Promo runs until February 29, 2024 only. Per DTI Fair Trade Permit No. FTEB-178773 Series of 2023.

Note: The promo is exclusive to applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.


💳 UnionBank Rewards Platinum Mastercard

UnionBank Rewards Platinum Mastercard
  • Annual Fee: ₱2,500
  • Interest rate: 3%
  • Rewards: 
    • 1 rewards point for every ₱30 spend
    • 3X points when you shop and dine locally and abroad

💳 UnionBank PlayEveryday

UnionBank PlayEveryday
  • Annual fee: ₱1,500
  • Interest rate: 3%
  • Rewards:
    • 1 point for every ₱10 spend
    • Setting up a PlayEveryday profile = 500 points
    • Making a referral = 100 points

💳 UnionBank Go Rewards Gold Visa Credit Card

UnionBank Go Rewards Gold Visa
  • Annual fee: ₱3,000
  • Interest rate: 3%
  • Rewards:
    • 1 Go Rewards points for every ₱200 spend
    • 3,000 Go Rewards points welcome gift

💳 UnionBank Cebu Pacific Gold Credit Card

UB Cebu Pacific Gold
  • Annual Fee: ₱3,000
  • Interest rate: 3%
  • Rewards: 
    • 1 Go Rewards point for every ₱200 spend
    • 1 Go Rewards point for every ₱100 Cebu Pacific spend
    • 1 Go Rewards point equivalent to ₱1

💳 UnionBank Cebu Pacific Platinum Credit Card

UB Cebu Pacific Platinum
  • Annual Fee: ₱5,000
  • Interest rate: 3%
  • Rewards: 
    • 1 Go Rewards point for every ₱200 spend
    • 1 Go Rewards point for every ₱100 Cebu Pacific spend
    • 1 Go Rewards point equivalent to ₱1

💳 UnionBank Miles+ Platinum Visa Card

UnionBank Miles+ Platinum Visa
  • Annual fee: ₱3,000
  • Interest rate: 3%
  • Rewards: 
    • 1 rewards point for every ₱25 spend
    • 1.5 rewards points for every ₱25 travel-related spend

Read more: Why Get Another Card: Is Having Multiple Credit Cards Good or Bad?

How to Use Your UnionBank Credit Card Rewards Points

Accumulated enough Unionbank rewards points? It’s time to redeem your rewards! 

Here’s how to redeem UnionBank credit card points or even convert them into air miles: 

📌 How to Redeem UnionBank Credit Card Rewards

  1. Log in to your UnionBank Online App.[2]
  2. Click on your credit card account. Look for the Rewards section to see the available rewards points or miles. 
  3. Click Redeem to browse the Rewards Catalog. Choose the reward you want. 
  4. Enter the required details. Double-check the details then click Proceed with Redemption.  
  5. Wait for the confirmation. 

📌 How to Convert Your UnionBank Credit Card Rewards Points to Miles

First, you need to make sure your credit card is actually eligible for miles conversion. Below are the cards that earn miles and their conversion value: 

  • UnionBank Miles+ Visa Signature Card (starting in 474137) – ₱30 = 1 mile
  • UnionBank Miles+ World Mastercard (starting in 529247) – ₱30 = 1 mile

To redeem your miles, just browse the Rewards catalog via your app and choose the said reward. 

Note: If you transfer your rewards points to your PAL Mabuhay Miles account, the said points will be credited within seven to 10 days from redemption date. 

How to Earn UnionBank Credit Card Rewards Points Faster 

unionbank credit card rewards points - how to earn points faster

Make the most of your credit card by earning points fast. Here are some tips and hacks to try: 

✔️ Choose a Credit Card Designed for Fast Point Accumulation 

The type of credit card you get will determine how fast you’ll earn points. You can quickly amass points if the spending requirement is low (e.g., ₱25 = 1 point).

On the other hand, some credit cards require you to spend at least ₱200 and above to get a point. In this regard, it would be wise to get a card with a points multiplier. 

✔️ Avail of a Credit Card Welcome Gift

A lot of banks offer new cardholders welcome gifts, including rewards points. To get those points, you need to meet the spending requirement within the specified period after card activation. 

✔️ Use Your Credit Card Regularly for Daily Expenses

If you use your credit card for everyday expenses, such as groceries and car fuel, you’ll earn UnionBank points in no time. You may even offer to use your credit card to pay for your family’s purchases. 

However, don't depend too heavily on credit cards. Before you swipe, make sure you have enough funds to actually pay for the purchase.

✔️ Buy Big-Ticket Items with Your Credit Card

The more expensive an item, the more credit card points you earn. As such, it makes sense to buy an appliance or a gadget if you want to earn more points. On top of that, you may also be able to avail of special discounts at UnionBank’s partner establishments or enjoy 0% interest on installments. 

✔️ Book Trips with Your Credit Card

Flights are another big-ticket purchase. Book them using your credit card to earn points. While you’re at it, check if your UnionBank credit card comes with a free travel insurance policy. 

✔️ Use Your Credit Card Abroad

Certain cards earn more points for purchases made abroad. As such, you may want to use your card to settle such transactions, from meals to souvenir shopping. 

Read more: Get More Rewards: How to Earn Credit Card Points Quickly

Final Thoughts 

Your UnionBank credit card makes spending safe and convenient. On top of that, you can enjoy plenty of thrilling rewards! As you can see, your UnionBank credit card rewards points can be converted into gift certificates, annual fee waivers, and air miles.  

If you want to get another UnionBank credit card for more rewards, compare your options below and apply via Moneymax:

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 in the Philippines 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 rewards system

  • Setting up a profile - 500 points
  • Spending - 1 point for every ₱10 spent
  • Referral - 100 points
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 Miles+ Platinum Visa Card
UnionBank Miles+ Platinum Visa
APPLY-NOW
₱3,000
₱600,000
  • 1 point for every ₱25 spend
  • 1.5 points for every ₱25 travel spend
  • Access to exclusive airport lounges 
  • Travel insurance coverage of up to ₱10 million
UnionBank Platinum Visa Card
UnionBank-Platinum-Visa-Card-e1641375874553
APPLY-NOW
₱3,000
₱600,000
  • Dedicated Visa Platinum 24/7 concierge service
  • Access to exclusive airport lounges 
  • Travel insurance coverage of up to ₱10 million
UnionBank Cash Back Visa Platinum
unionbank cashback visa platinum
APPLY-NOW
₱4,500
₱180,000
  • 6% cash back on groceries
  • Up to 2% cash back on Meralco bill payments 
  • Up to 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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