unionbank gold mastercard

UnionBank Gold Mastercard

Minimum Annual Income


(P30,000 Monthly)

Interest Rate


Annual Fee


Product Summary

unionbank gold mastercard

UnionBank Gold Mastercard

Make your credit card earn more with the UnionBank Gold Mastercard. Earn 1% cashback on every purchase and enjoy 0% interest installment plans and other exclusive perks when you apply for this credit card.
  • Get ₱5,000 cash back for free when you spend a minimum of ₱40,000 within 60 days after card approval
  • Earn 1% cashback on every spend
  • Enjoy 0% interest installment payment plans
  • Free life insurance coverage up to ₱400,000
  • Ideal for: cardholders who frequently shop and travel
Existing Credit CardNot Required
Landline numberRequired
Age18 to 70 years old
Minimum Annual IncomeP360,000
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of income
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Audited Financial Statements
Business registration/permits
Annual FeeP2,500 / year
Annual Fee WaiverNo
Monthly Effective Interest Rate3%
Cash Advance Monthly Effective Interest Rate2.91%
Cash Advance Fee P200 / %

Is this the right product for you?

Checkout the other credit card listings

Why Choose UnionBank Gold Mastercard?

Love rebates? Then you’ll love owning a credit card. But is the UnionBank Gold Mastercard the perfect credit card for you? Find out in this short review of UnionBank’s golden credit card.

Earn 1% cash back on every spend category

The UnionBank Gold Mastercard earns you 1% cash back on all purchases. No need to memorize confusing spend categories—just swipe and save! Plus, there’s no limit on how much rebate you can earn with your credit card. So just enjoy swiping and saving!

Enjoy 0% interest installment payment plans

Got any big-ticket purchases to make? Instead of paying full upfront, why not divide your payments into monthly installments? Using your UnionBank Gold Mastercard, you can enjoy installment payment plans without worrying about extra interest charges.

Free life insurance coverage up to ₱400,000

Every UnionBank credit card comes with free life insurance coverage up to ₱400,000. Aside from the financial security, UnionBank’s insurance coverage will also cover your monthly credit card payments in the event you become temporarily disabled.

Is UnionBank Gold Mastercard the Right Card for You?

If you love receiving rebates every time you spend, then the UnionBank Gold Mastercard is a no-brainer for you. But if you’re looking for more rebates, then here are some alternatives for you:

  • Citi Cash Back Card. If the 1% rebate seems a bit lacking to you, then you’ll love this credit card. Earn up to 6% rebate on supermarket spend and up to 2% rebate on monthly bills.
  • HSBC Gold Visa Cash Back. This card is perfect if you love dining out with your loved ones. It earns you a 5% rebate on all dining spend and a 3% rebate on Caltex fuel spend.
  • AUB Gold Mastercard. While this card doesn’t offer any rebates, you might want a golden credit card that comes with no annual fees for life. That also counts as savings, right?


All you have to do is use your UnionBank Gold Mastercard in every purchase and you’ll instantly earn 1% cashback for every transaction.

No! There’s no cap for how much rebate you can own. Plus, your rebates will never expire.

Message “What is my card application status?” to @TalktoRafa on Facebook Messenger and follow the on-screen instructions from there.


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