unionbank gold visa

UnionBank Gold Visa Card

Minimum Annual Income


(P15,000 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 unlimited free access to Marhaba Lounge at NAIA Terminals 1 and 3
  • 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 CardNot Required
Landline numberRequired
Age18 to 70 years old
Minimum Annual IncomeP180,000
Regular Employee
Government-issued ID
Valid TIN / SSS / GSIS or UMID number
Signed Certificate of Employment
Proof of incomeITR, BIR Form 2316, Proof of pension, latest 3 months payslip, or latest 3 months Bank SOA from another bank
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 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. 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 the 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:

  • 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 1 reward point for every ₱35 spend.

You can use your UnionBank rewards points to redeem any of the following:
  • Travel Rewards: PAL Mabuhay Miles, Petron Value Card, Cebu Pacific Get Go
  • Shopping Gift Certificates: SM, Rustan’s
  • SM Movie Passes
  • Cash Rebates

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 Marhaba Lounge, located at NAIA Terminals 1 and 3.

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


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