unionbank miles platinum visa

UnionBank Miles+ Platinum Visa

Minimum Annual Income


(P50,000 Monthly)

Interest Rate


Annual Fee


Product Summary

unionbank miles platinum visa

UnionBank Miles+ Platinum Visa

Looking to explore the world without breaking the bank? Then apply for a UnionBank Miles+ Platinum Visa credit card. Earn rewards points for every spend and earn more points for travel-related spend. Plus, get premium travel perks when you apply today!
  • Earn 1 rewards point for every ₱25 spend
  • Earn 1.5 rewards points for every ₱25 travel spend
  • Enjoy unlimited pre-departure lounge access at NAIA 1 and 3
  • Free travel insurance coverage up to ₱10 million
  • Ideal for: cardholders who travel for leisure or business
Existing Credit CardNot Required
Landline numberNot Required
Age18 to 70 years old
Minimum Annual IncomeP600,000
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 FeeP3,000 / year
Annual Fee WaiverNo
Monthly Effective Interest Rate3%
Cash Advance Monthly Effective Interest Rate2.91%
Cash Advance Fee P200 / %

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Why Choose UnionBank Miles+ Platinum Visa?

Get the most out of your travels with the many benefits the UnionBank Miles+ Platinum Visa has to offer. From accelerated reward points to free travel insurance, get the details on its features in this short review.

Earn 1 reward point for every ₱25 spend

A few swipes on your UnionBank Miles+ Platinum Visa get you more reward points than you can imagine since every ₱25 spend earns you 1 point. This applies to everyday spending so it’s easy to collect points. Redeem it for air miles, fee waivers, or cash back.

Get more reward points on travel spend

You’ll be tempted to travel more with the UnionBank Miles+ Platinum Visa’s accelerated reward points system on travel-related spending. Earn 1.5 points for every ₱25 spent on hotel and lodging expenses, airline tickets, and foreign currency transactions.

Enjoy safe travels with free travel insurance up to ₱10 million

Getting insurance is always a good idea especially when you plan to travel. So it’s such a relief that you automatically get free travel insurance up to ₱10 million when you pay your airline fare using the UnionBank Miles+ Platinum Visa.

Securely pay for your spending with Visa payWave

Wave goodbye to scammers when you use your UnionBank Miles+ Platinum Visa. Thanks to Visa payWave, you now have a safer way to pay for purchases under ₱2,000. Just place your credit card near the contactless symbol on the POS terminal and the transaction’s done, no signature required!

Is UnionBank Miles+ Platinum Visa the Right Card for You?

If you need a credit card that focuses on travel-related benefits, the UnionBank Miles+ Platinum Visa has you covered. Looking for other features? Try our credit card suggestions below:

  • Air Asia Credit Card. You can also easily get reward points with this credit card on different travel purchases: 2 points for every ₱25 AirAsia spend, 1 point for every ₱28 domestic retail spend, and ₱22 international retail spend.
  • Metrobank World Mastercard. Not satisfied with the reward points so far? Then this card will double it for you! Get 2x points on your overseas spending and earn 1 point for as low as ₱20 spend on other purchases.


You will earn 1 point for every ₱25 spend and 1.5 points for every ₱25 travel-related spend.

  • Airline merchant category codes: 3000 to 3299, 4511, 4582, 4722, 4723
  • Lodging/hotel merchant category codes: 3501 to 3786, 7011
  • All foreign currency spend (overseas spend and online transaction)

Never! Your rewards points will not expire so feel free to redeem your rewards anytime, anywhere.

You can convert your rewards points to air miles with UnionBank’s partner airlines: Philippine Airlines or Cebu Pacific.

Just present your active UnionBank Miles+ Platinum Visa credit card at NAIA Terminal 1 - Club Manila Lounge and at NAIA Terminal 3 - Sky View Lounge. Get a 20% discount if you’re bringing a companion to the airport lounge.

Open Facebook Messenger, search for @TalktoRafa, and type “What is my card application status?” to check your UnionBank credit card application status.


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