UnionBank Gold Visa Card

Upgrade your shopping experience with a UnionBank Gold Visa credit card! Earn points the easy way and redeem exciting deals. Score more perks when you apply for this UnionBank credit card today.

Minimum Annual Income

P360,000

(P30,000 Monthly)

Interest Rate

Annual Fee

P2,500

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Product Summary

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

Self-Employed

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 / %

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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.

FAQ

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