UnionBank Rewards Credit Card Review: Make Shopping More Rewarding

What’s the one thing first-time and long-time cardholders have in common? Their affinity for rewards, of course.

One of the most popular rewards credit cards out there is the UnionBank Rewards Visa Platinum. You can't go wrong if you start your rewards journey with this one!

In this in-depth look at this credit card, learn more about its features, fees, and perks. Check out our UnionBank Rewards Credit Card review below.

UnionBank Rewards Card Features

Every credit card comes with a set of terms and conditions, and this one is no different. Study the features and fees before applying for any card out there.

unionbank rewards credit card review - features

Annual fee:
- ₱2,500 for principal cardholders (free for the first year)
- ₱1,250 for supplementary cardholders (free for the first year)
Interest rate: 3%
Minimum monthly income requirement: ₱15,000
Cash advance fee: ₱200 per transaction
Late payment fee: ₱1,500 or the unpaid minimum amount due, whichever is lower
Overlimit fee: ₱1,500 or the highest overlimit amount during the billing period, whichever is lower
Foreign transaction fee: 3.525%
Card replacement fee: ₱400

Wondering how much is the UnionBank Rewards card credit limit? It depends on the applicant's income, credit score, and other factors, so it varies per cardholder.

❓ What is the UnionBank Rewards Credit Card?

The UnionBank Rewards Visa Platinum, also known as the UnionBank Rewards Credit Card, is a rewards credit card from UnionBank. Use this card to quickly earn points, which you can then redeem for a variety of rewards.

❓ Who is the UnionBank Rewards Credit Card Ideal for?

If you want to make the most out of your spending by earning multiple points per purchase, consider applying for this credit card.

What Can I Redeem with a UnionBank Rewards Credit Card?

UnionBank rewards credit card review - rewards to redeem

The UnionBank Rewards Credit Card has one of the fastest earn rates in the Philippines. Its program allows you to earn 1 rewards point for every ₱30 spend, regardless of the category. Triple your points if you use your card at shopping boutiques, department stores, and restaurants.

Your points have no cap and no expiry date, which is always a plus! You can redeem rewards any time you wish.

Want to know how to use UnionBank rewards points? Exchange your points for cash credits, merchandise, gadgets, points transfers, free flights through selected Frequent Flyer Programs, and more. Visit the rewards redemption page^[1] for more information.

What Perks Can I Enjoy with the UnionBank Rewards Credit Card?

But the variety of rewards isn't the only upside. Check out this card's other benefits below:

Want to bid annual fees goodbye? Just apply for this card and get approved until August 31, 2023, and then meet the spend requirement.

🎁 Free Gift from Moneymax: E-Gift, Wireless Earbuds, or Headphones

Eligible card: Any UnionBank credit card

Promo period: Until April 30, 2024

Get a pair of Apple AirPods 2 worth ₱8,490, a JBL Tune 720BT worth ₱4,699, or a Giftaway eGift 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 April 30, 2024 only. Per DTI Fair Trade Permit No. FTEB-187582 Series of 2024.

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

👍 Exclusive Deals with UnionBank's Partners

This credit card also gives you access to exclusive deals with UnionBank’s partner establishments. Get discounted deals at participating restaurants, hotels, resorts, airlines, and other establishments worldwide.

👍 User-Friendly UB Online App

Use UnionBank's mobile app to manage everything related to your credit card. Wondering how to redeem UnionBank rewards points in the Philippines? You can do so via the app.

You can also check your points, manage your card settings, pay your credit balances, and complete other credit card-related transactions. This app is known for its user-friendly interface, so you can easily manage it even if you don't consider yourself a techie.

Download the UnionBank Online App Now!

The UnionBank Online Banking app is available on the App Store, Google Play Store, and Huawei App Gallery. You can download it via the links below:

Ready to apply for the UnionBank Rewards Credit Card? Click the banner below to get started:

UnionBank Rewards Credit Card Alternatives

However, if you think this isn't the right credit card for you, there are plenty of alternatives to consider. Compare credit cards to ensure you get a card that suits your budget and needs.

Here are some UnionBank alternatives:

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 locally and overseas Non-expiring points can be redeemed for cash credits, gadgets, merchandise, and more
UnionBank PlayEveryday	₱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	₱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	₱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	₱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	₱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 Platinum Visa	₱4,500	₱180,000	0.20% cash back on supermarkets or grocery purchases 0.20% cash back on Meralco payments Up to 6% cash back for other spending

Not quite what you're looking for? Here are options from other banks:

💳 Metrobank Titanium Mastercard

If you find UnionBankbank’s rewards program lacking, try other rewards credit cards. Earn points more quickly with the Metrobank Titanium Mastercard. Get one point for every ₱20 spend and up to 2x points on dining, department store, and online purchases.

Plus, you can waive your annual fees if you apply for this card until February 29, 2024 and meet the required annual spend of ₱180,000.

💳 HSBC Red Mastercard

The HSBC Red Mastercard also has a robust rewards program. Earn 1 point per only ₱20 spend and up to 4x points on shopping, dining, online, and overseas spend. Plus, you can earn a 3% rebate when you gas up at Caltex.

💳 HSBC Platinum Visa Rebate

Prefer cashback over rewards? This cashback credit card from HSBC is suited for shoppers and travelers. It earns a high rebate of 5% on travel and shopping (including online) transactions, plus 1% on insurance and 0.50% on all other transactions.

💳 BPI Platinum Rewards Mastercard

Do you travel a lot? The most rewarding BPI credit card for you would be the Platinum Rewards Mastercard. Earn two BPI Points per ₱30 local spend and ₱20 per foreign transaction.

This card also offers up to ₱10 million travel insurance coverage and free Priority Pass membership (upon meeting the spend requirement).

💳 BPI Amore Cashback Card

Consider BPI's Amore Cashback card if you want rebates on essential spending. For every ₱1,000 local spend, enjoy 4% cashback on supermarkets, 1% on drug stores and utilities, and 0.3% on other local spend.

UnionBank Rewards Credit Card Review: Final Thoughts

That concludes our UnionBank Rewards Credit Card review! If you’re looking to make shopping more rewarding, this card will help you do that and more. With its wide range of rewards and other value-added perks, this card is a noteworthy addition to your card options.

Source:^[1]Rewards | UnionBank of the Philippines