UnionBank Rewards Credit Card

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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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.

3 Offers Available

Apple AirPods 4

Apple AirPods 4

Moneymax Latest Promo

Apple AirPods 4

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Moneymax Latest Promo

JBL Flip 7

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Huawei Watch Fit 4

Huawei Watch Fit 4

Moneymax Latest Promo

Huawei Watch Fit 4

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Marshall Major V Headphones

Marshall Major V Headphones

Moneymax Latest Promo

Marshall Major V Headphones

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Nespresso Essenza Mini

Nespresso Essenza Mini

Moneymax Latest Promo

Nespresso Essenza Mini

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Moneymax Latest Promo

₱5,000 eGift

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Apple AirPods 4

Apple AirPods 4

Moneymax Latest Promo

Apple AirPods 4

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Moneymax Latest Promo

JBL Flip 7

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Huawei Watch Fit 4

Huawei Watch Fit 4

Moneymax Latest Promo

Huawei Watch Fit 4

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Marshall Major V Headphones

Marshall Major V Headphones

Moneymax Latest Promo

Marshall Major V Headphones

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Nespresso Essenza Mini

Nespresso Essenza Mini

Moneymax Latest Promo

Nespresso Essenza Mini

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Moneymax Latest Promo

₱5,000 eGift

Enjoy exclusive perks when you apply for a UnionBank Credit Card!

Apple AirPods 4

Apple AirPods 4

No Minimum Spend Required!

Apple AirPods 4

Promo runs until July 21, 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!

JBL Flip 7

Promo runs until July 21, 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.

Huawei Watch Fit 4

Huawei Watch Fit 4

No Minimum Spend Required!

Huawei Watch Fit 4

Promo runs until July 21, 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.

Marshall Major V Headphones

Marshall Major V Headphones

No Minimum Spend Required!

Marshall Major V Headphones

Promo runs until July 21, 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.

Nespresso Essenza Mini

Nespresso Essenza Mini

No Minimum Spend Required!

Nespresso Essenza Mini

Promo runs until July 21, 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!

₱5,000 eGift

Promo runs until July 21, 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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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.

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.

Tags

UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

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