UnionBank Gold Mastercard
| Minimum Annual Income P360,000 (P30,000 Monthly) | Interest Rate 3% | Annual Fee P2,500 |
Product Summary
UnionBank Gold Mastercard
- 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 Card | Not Required |
| Landline number | Required |
| Age | 18 to 70 years old |
| Minimum Annual Income | P360,000 |
| 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 Fee | P2,500 / year |
| Annual Fee Waiver | No |
| Monthly Effective Interest Rate | 3% |
| Cash Advance Monthly Effective Interest Rate | 2.91% |
| 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?
FAQ
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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