unionbank gold visa

UnionBank Gold Visa Card

Minimum Annual Income


(P30,000 Monthly)

Interest Rate


Annual Fee


Product Summary

unionbank gold visa

UnionBank Gold Visa Card

Get a UnionBank Gold Visa credit card and upgrade your shopping experience. Earn one reward point for every ₱35 spend and redeem travel rewards and gift certificates. Plus, get pre-departure lounge access when you travel with this card.
  • Non-expiring points: use your points anytime, anywhere
  • Enjoy free pre-departure lounge
  • Enjoy 0% interest installment payment plans
  • Contactless transactions with Visa payWave
  • 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
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 Fee P2,500 / year
Annual Fee Waiver No
Monthly Effective Interest Rate 3%
Cash Advance Monthly Effective Interest Rate 2%
Cash Advance Fee P200 / %

Is this the right product for you?

Checkout the other credit card listings

Why Choose UnionBank Gold Visa?

Rewards make the world go round for credit cardholders. But should you be shopping around with the UnionBank Gold Visa? Find out in this short review of UnionBank’s gold card.

Earn 1 reward point for every ₱35 spend

Owning the UnionBank Gold Visa can also be rewarding, thanks to its generous reward system. Every ₱35 spent using your credit card will earn you one (1) non-expiring reward point. To manage and redeem your rewards in just a few taps with the UnionBank Online app.

Enjoy 0% interest installment payment plans

Need to make a big purchase but don’t want to spend a whole lot? Don’t pay full price upfront. Instead, use your UnionBank Gold Visa to divide your payments into convenient monthly installments with 0% interest. Now you can save your budget for other needs!

Free life insurance coverage up to ₱400,000

Another great thing about owning a UnionBank credit card is the free life insurance coverage that protects you financially up to ₱400,000. Plus, your UnionBank insurance will cover your monthly credit card bills in the event you become temporarily disabled.

Is UnionBank Gold Visa the Right Card for You?

If you’re looking for a rewarding credit card experience, the UnionBank Gold Visa should top your list. But if you’re looking for more credit card rewards, check out these alternatives:

  • Citi Rewards Card. Want more rewards when you’re out shopping and dining? Then take this card because it will earn you 3x reward points for every shopping and dining transaction.
  • RCBC Flex Visa. This card also earns you 2x reward points in more than one spending category. You can choose from any of these: dining, clothing, travel, or transportation.
  • HSBC Red Mastercard. Perhaps you want quadruple points per swipe? Then we suggest getting this card. Earn 4x points on dining, shopping, online, and overseas transactions.


Simple! You will earn one rewards point for every ₱35 spend.

You can use your UnionBank rewards points to redeem any of the following:
  • Travel Rewards: Mabuhay Miles, Petron Value Card
  • Shopping Gift Certificates: SM, Rustan’s
  • SM Movie Passes: Regular, Director’s Club, IMAX Theatre
  • Cash Rebates and Annual Fee Waiver

UnionBank rewards points don’t expire! You can redeem your points anytime, anywhere.

Use the UnionBank Online mobile app to manage your rewards points, credit card balance, and other details related to your UnionBank Gold Visa Card.

Just present your UnionBank Gold Card at Club Manila Lounge, located at NAIA Terminal 1.

You can track your credit card status by messaging “What is my card application status?” to @TalktoRafa on Facebook Messenger.


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