Credit Cards by UnionBank
Updated: Dec 9, 2025
UnionBank credit cards are designed to help you make the most of every purchase—whether you’re earning rewards, getting cashback, or enjoying lifestyle perks that add value to your routine. Each card is built with a specific purpose in mind, so you get benefits that genuinely support the way you spend.
From online shoppers and travelers to gamers and everyday users, UnionBank offers a diverse selection of cards that cater to different needs. This ensures you can choose a card that enhances the moments that matter, without unnecessary complexity.
When you’re ready to begin, UnionBank’s seamless online application makes the process quick, convenient, and aligned with your pace—letting you find the right card in just a few steps.
Moneymax Holiday Bonanza Raffle
Join the Moneymax Holiday Bonanza Raffle for a chance to win incredible prizes, including the Samsung Fold 7, iPhone 17 Pro Max, Dyson V8 Slim, and more! Apply for eligible credit cards or personal loans through Moneymax and complete the simple steps for your chance to win one of these fantastic rewards. Promo runs from November 19, 2025, to January 31, 2026 Terms and Conditions Apply.
Card | Hot Reward Pick | Moneymax Reward | Earn Rate & Perks | Min. Annual Income | Ideal For | ||
|---|---|---|---|---|---|---|---|
 | UnionBank U Visa Platinum | ₱8,450 | 10% Cashback | ₱180,000 | On Time Payers | ||
 | UnionBank Rewards Credit Card | ₱8,450 | 3 points / ₱30 | ₱180,000 | Shopping and Dining | ||
 | UnionBank Cash Back Visa Platinum | ₱13,450 | 6% Cashback
| ₱180,000 | Grocery-Heavy Shoppers | ||
 | UnionBank Miles+ Visa Signature | ₱8,450 | 1 UB mile / ₱30 | ₱360,000 | Miles Seeker | ||
 | UnionBank Shell Power Visa Platinum | ₱8,450 | 5% Shell Cashback | ₱180,000 | Shell Loyalist | ||
 | UnionBank Cebu Pacific Gold | ₱8,450 | 1 point / ₱100 | ₱360,000 | Frequent Cebu Pacific Flyers | ||
 | UnionBank Cebu Pacific Platinum | ₱8,450 | 1 point / ₱100 | ₱600,000 | Frequent Cebu Pacific Travelers |
Why Trust Moneymax?
Don’t miss out on this great deal!
🎁 Unwrap a UnionBank Gift This Season! 🎁
Apply for a new UnionBank credit card and get a premium welcome gift worth up to ₱8,450! Choose from AirPods, JBL speakers, smart gadgets, kitchen essentials, or ₱5,000 in cash or shopping credit.
Apply by Jan 15, 2026 to claim your reward
Participating Products:
UnionBank U Visa Platinum
:
For On Time Payers
UnionBank Rewards Credit Card
:
For Shopping and Diner
UnionBank Cash Back Visa Platinum
:
For Grocery-Heavy Shoppers
UnionBank Miles+ Visa Signature
:
For Miles Seeker
UnionBank Shell Power Visa Platinum
:
For Shell Loyalist
UnionBank Cebu Pacific Gold
:
Frequent Cebu Pacific Travelers
UnionBank Cebu Pacific Platinum
:
Frequent Cebu Pacific Travelers
How to Qualify?
Follow these simple steps to claim your exclusive gift:
- Apply via Moneymax: Register your interest and submit your application for an eligible UnionBank credit card on the Moneymax website between December 9, 2025, and January 15, 2026.
- Get Approved: Ensure you are a new-to-bank applicant with an existing credit card from another provider, and that UnionBank approves your application with complete documents.
- Choose Your Gift: Select one (1) of the following premium rewards:
- Apple Airpods 4 (₱8,450)
- JBL Flip 7 (₱7,999)
- Insta360 Flow 2 (AI Tracker Bundle) (₱7,187)
- Nutribullet 600 Series (₱6,490)
- Huawei Watch Fit 4 (₱5,699)
- Asahi AirFryer (₱4,495)
- ₱5,000 eGift Cash Credit
- ₱5,000 Uniqlo eVoucher - Receive Your Gift:
- Physical Items (Gifts A-F): You will receive a confirmation email within 12 weeks of your application. Delivery is estimated 12-15 weeks after that confirmation.
- eGifts (Gifts G-H): The ₱5,000 cash credit or Uniqlo voucher will be sent directly to your email without a confirmation email.
Terms and Conditions apply.
Apply by Jan 15, 2026 to claim your reward
Annual Fee
FreeMin. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
- No annual fees for life!
- Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date
- No overlimit and late fees
- Ideal for: cardholders who prefer cards with less fees
Repayment Details
Minimum Payment: ₱500
Late Payment Charge: None
Interest on Purchase: None
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: Free
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3.525 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards - Dining Spend Local/Overseas
3 reward pointsRewards - Base Rate
1 point per ₱30Rewards - Retail Spend
3 reward pointsAnnual Fee
FreeApply through Moneymax and choose from 9 premium rewards:
- Earn 3x non-expiring reward points when you shop and dine here and abroad.
- Earn 1 non-expiring reward point for every ₱30 spend.
- Redeem cash credits, merchandise, gadgets, points transfers, and MORE!
- Ideal for: cardholders who frequently shop and dine locally and overseas.
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: Free
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Cashback Supermarket
Up to 6 %Cashback Base Rate
0.2 %Cashback Groceries
3 % cashbackCashback Utilities
Up to 2 %Apply through Moneymax and choose from 9 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Earn up to 6% cash back on groceries
- Earn up to 2% cash back on Meralco bill payments when you pay via UnionBank Online
- Get up to 0.20% cash back on all other purchases
- Ideal for: individuals who want to save on their essential spend
Repayment Details
Interest on Cash Advance: 3.04 %
Minimum Payment: ₱500
Fees
Annual Fee: ₱4,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards Points Baseline
1 rewards pointAnnual Fee
₱ ₱
5,000 per yearMin. Annual income
₱ ₱
360,000Interest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Earn 1 mile for every ₱30 spend
- Redeem cash credits using your non-expiring miles or convert it to air miles
- Enjoy exclusive access and 2 complimentary passes every year to select local and international airport lounges
- Get up to ₱1 million travel insurance when you buy your travel ticket using your UnionBank Miles+ Visa Signature
- Get a 30-day Purchase Protection coverage for free
- Ideal for: frequent international travelers
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: -
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 21 years old
Cashback Petrol
5 %Annual Fee
₱ ₱
2,800 per yearMin. Annual income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
- 5% rebate on Shell fuel spend
- 5% rebate on RFID load purchases
- 5% rebate on auto repairs, accessories, and services
- 10% discount at Shell Helix Oil Change packages
- Access to 24/7 roadside assistance
- Ideal for: car owners and Shell station frequenters
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱2,800 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 18 years old
Rewards - Base Rate
1 point per ₱200Annual Fee
₱ ₱
3,000 per yearMin. Annual income
₱ ₱
360,000Interest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
- Earn 1 Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Exclusive access to Cebu Pacific seat sales.
- Free life insurance coverage of up to ₱400,000.
- Ideal for: cardholders who frequently fly with Cebu Pacific.
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2.91 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 18 years old
Rewards - Base Rate
1 point per ₱200Annual Fee
₱ ₱
5,000 per yearMin. Annual income
₱ ₱
600,000Interest Rate
3 %Apply through Moneymax and choose from 9 premium rewards:
- Earn one (1) Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Free unlimited access to NAIA Terminal 3 - Pacific Lounge.
- Free travel insurance and other premium travel perks.
- Early alerts to upcoming Cebu Pacific seat sales.
- Ideal for: frequent leisure or business travelers.
Repayment Details
Cash Advance Monthly Effective Interest Rate : 2.91 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱600,000
Minimum Age: 18 years old