unionbank platinum visa

UnionBank Platinum Visa Card

Minimum Annual Income


(P50,000 Monthly)

Interest Rate


Annual Fee


Product Summary

unionbank platinum visa

UnionBank Platinum Visa Card

If you’re applying for a credit card solely for the perks, you can’t go wrong with a UnionBank Platinum Visa Card. Choose from a selection of premium perks which include free business and leisure travel, dining and shopping discounts, and cash rebates, among others.

  • Robust rewards program with premium perks
  • Enjoy a dedicated Visa Platinum 24/7 concierge service
  • Free travel insurance coverage up to ₱10 million
  • Access to exclusive airport lounges in the metro
  • Ideal for: cardholders who seek premium perks
Existing Credit CardNot Required
Landline numberRequired
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 Platinum Visa Card?

Are you in search of premium rewards? Look no further. With its reward catalog and travel perks, the UnionBank Platinum Visa might be the credit card you’re looking for.


Enjoy a variety of rewards

Are you fond of freebies but tired of limited reward catalogs? The UnionBank Platinum Visa’s rewards program offers a variety of rewards that cater to every cardholder's needs. Choose from dining, cash rebate, shopping, and travel perks, among many other rewards.

Fly internationally with up to ₱10 million free travel insurance

Traveling is fun and fulfilling. Make sure to make it fun until the end of your trip with the UnionBank Platinum Visa Card’s free travel insurance of up to ₱10 million. Simply charge your airline tickets to your credit card to automatically receive the insurance coverage.

Enjoy unlimited free access to NAIA terminal airport lounges

Have time to spare before your next flight? Stop by NAIA Terminal’s 1 and 3 Club Manila Lounge and Pacific Lounge and enjoy free unlimited access. Your travel companions can tag along for only 20% off on their Pacific Lounge pass when you pay using your credit card.

Get Concierge service right at your fingertips

UnionBank’s Platinum Concierge is a 24/7 Concierge service dedicated to Visa cardholders. They can assist you with your credit card and travel concerns such as lost or stolen credit cards, lost luggage, booking assistance, and itinerary recommendations, among other services.


No cost-saving benefits for daily spend

Credit cardholders always look forward to money-saving perks to use in their daily purchases. Despite not having rebates for essentials, the UnionBank Platinum Visa still provides cash rebates as rewards when you redeem your reward points.

If savings is what you want then the UnionBank Platinum Mastercard is the best card for you with its 1% cash back on all your purchases. The cash back doesn’t expire so you can use it anytime.

Free airport lounge access is limited to local airports

Airport lounges serve as a space for R&R and luxury. The UnionBank Platinum Visa’s airport lounge access is limited to local airports but the access is free for life. Simply put, you’ll always have a sanctuary from busy airports before every flight.

Want more travel benefits? The UnionBank Miles+ Platinum Visa has pumped up perks like free travel insurance up to ₱10 million and 1.5 reward points for every ₱25 travel spend.

Is UnionBank Platinum Visa the Right Card for You?

If you’re in search of premium perks, especially for your travels, the UnionBank Platinum Visa is the right choice for you. Want something else? Check out these credit cards instead:

  • HSBC Red Mastercard. Rushing to get that reward item you’re eyeing on? This credit card gives you that chance when you earn 1 reward point for every ₱20 spend. Plus, get 4x bonus points on dining, online, and shopping purchases.
  • UnionBank Miles+ Platinum Visa. Get more reasons to roam around the globe with this credit card that rewards frequent travelers. Earn 1.5 points for every ₱25 travel-related spend.
  • RCBC Flex Visa. This is another credit card that speeds up how you earn your rewards. For every ₱50 spend, you get 2x rewards points in not only one, but two categories of your choosing—clothing, transportation, dining, or travel.


You will earn 1 point for every ₱25 spend, making the UnionBank Platinum Visa Card a suitable choice for rewards hunters.

You can redeem a wide variety of rewards using your rewards points. Choose from free leisure or business travel perks, gift certificates from shopping malls, movie passes, fuel card load points, cash rebates, and annual fee waivers, among others

You have to use the UnionBank Mobile app to redeem your rewards. Note that your rewards points don’t expire so feel free to redeem anytime, anywhere.

Certainly! Aside from the free travel insurance, you also get free assistance in the event of flight delays, cancellations, and even medical emergencies.

  • Organize flights, recommend dining places, and arrange leisure activities
  • Report lost or stolen cards, request card replacement and emergency cash
  • Request airport and transportation assistance anywhere in the world

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