UnionBank Rewards Credit Card

Apply for a UnionBank Rewards Credit Card today and upgrade your credit card experience. Get 3x reward points for every dining and shopping purchase. Plus, earn a point for every ₱30 spend and enjoy promotions and deals with partner merchants!

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Min. Annual Income

₱ 180,000

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₱15,000 Monthly

Annual Fee

Free

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No annual fees for carded first-time UnionBank cardholders when you apply until December 31, 2025 and spend at least ₱20,000 within 60 days from the card approval date. After the No Annual Fee promo, the annual fee is ₱2,500.

Rewards - Dining Spend

3 reward points

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Earn 3x non-expiring reward points when you shop and dine here and abroad.

Rewards - Retail Spend

3 reward points

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Earn 3x non-expiring reward points when you shop and dine here and abroad.

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Highlights

Min. Annual Income

₱ 180,000

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₱15,000 Monthly

Annual Fee

Free

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Rewards - Dining Spend

3 reward points

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Earn 3x non-expiring reward points when you shop and dine here and abroad.

Rewards - Retail Spend

3 reward points

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Earn 3x non-expiring reward points when you shop and dine here and abroad.

3 Offers Available

Apply and get 1 raffle entry and get a chance to win ₱60,000 worth of Apple Vouchers!

Apply now and get 1 raffle entry

Apply and get 1 raffle entry and get a chance to win ₱60,000 worth of Apple Vouchers!

Promo runs until November 17, 2025. Per DTI Fair Trade Permit No. FTEB-238905. Series of 2025. T&Cs apply. Disclaimer: Applicant must be a principal cardholder of a credit card issued by a traditional bank for at least 6 months. Any credit line products from other financial institutions will not be considered.

No Minimum Spend Required!

Apple AirPods 4

+ 5 other gift options

Promo runs until November 15 2025. Per DTI Fair Trade Permit No. FTEB-238310 Series of 2025. T&Cs apply. Disclaimer: Applicant must be a principal cardholder of a credit card issued by a traditional bank for at least 12 months. Any credit line products from other financial institutions will not be considered.

Spooktacular Giveaway

Xiaomi Smart Band 8 Xiaomi Smart Band 8 (Spooktacular Raffle Giveaway)

+ 7 other gift options

Promo runs until October 31, 2025. T&Cs apply. Disclaimer: Applicant must be a principal cardholder of a credit card issued by a traditional bank for at least 6 months. Any credit line products from other financial institutions will not be considered.

Things to consider when choosing this card:

Things to consider

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No annual fee

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Free reward points

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Accelerated rewards

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Benefits

Rewards

dining

Rewards - Dining Spend

3 reward points

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Earn 3x non-expiring reward points when you shop and dine here and abroad.

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Rewards - Retail Spend

3 reward points

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Earn 3x non-expiring reward points when you shop and dine here and abroad.

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Rewards - Base Rate

1 point per ₱30

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1 non-expiring reward point for every ₱30 spend.

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Rewards - Online Shopping

3 reward points

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Earn 3x non-expiring reward points when you shop and dine here and abroad.

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Quick Facts

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Earn 3x non-expiring reward points when you shop and dine here and abroad.

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Earn 1 non-expiring reward point for every ₱30 spend.

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Redeem cash credits, merchandise, gadgets, points transfers, and MORE!

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Ideal for: cardholders who frequently shop and dine locally and overseas.

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Eligibility

Eligibility criteria

Minimum Age

21 years old

Maximum Age

70 years old

Min. Annual Income

₱ 180,000

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₱15,000 Monthly

Landline Required

Not required

Credit Card Required

Not required

Required Documents

Regular Employee

Government-issued ID: Passport
Signed Certificate of Employment
Valid TIN / SSS / GSIS or UMID number
Proof of income: BIR Form 2316, your latest ITR (1700 or 1701) with a BIR or Bank Stamp, or your latest payslip.

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Fees / Repayment

Fees & Charges

Annual Fee

Free

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Annual Fee Waiver

Yes

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No annual fees for carded first-time UnionBank cardholders when you apply until November 30, 2023 and spend at least ₱20,000 within 60 days from the card approval date.

Monthly Effective Interest Rate

3 %

Cash Advance Monthly Effective Interest Rate

3.04 %

Cash Advance Service Charge

₱ 200

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₱200 per transaction regardless of the cash advance amount.

Minimum Amount Due

₱ 500

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Your minimum amount due will be either:A. Your Total Amount Due if it’s less than or equal to ₱500.Or:B. The sum of the items below or ₱500, whichever is higher; 1. Any Past Due Amount; 2. Billed Monthly Installments Due of your interest-bearing Installment Transactions for the month; 3. Billed Interest charge; 4. Billed Late Charge; 5. Total Amount Due (which includes the billed Monthly Installments Due of your Installment Transactions for the month) less items 1 to 4, multiplied by the required payment percentage of 1% Please note that your Current Due (i.e. Minimum Amount Due less Past Due Amount) will always be at least ₱500 or the sum of: (a) Billed Monthly Interest Component of your interest-bearing Installment Transaction (b) Billed Interest Charge (c) Billed Late Charge (d) the remaining Total Amount Due multiplied by 1% and (e) 1% of the unbilled Principal of your Installment Transactions. Current Due may be less than ₱500 or the sum of items a-e for certain cases to ensure that Minimum Amount Due will not be greater than Total Amount Due.

UnionBank Rewards Credit Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Rewards

Quick Facts

Eligibility

Eligibility criteria

Fees / Repayment

Fees & Charges

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