UnionBank U Visa Platinum

Don't like fees that come with credit cards? Then this is the right card for U! Say goodbye to annual fees, late fees, and overlimit fees with the UnionBank U Visa Platinum. Free yourself from credit card fees and apply via Moneymax today!

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Annual Fee

Free

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No annual fees for life!

Min. Annual Income

₱ 180,000

Interest Rate

3 %

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Highlights

Annual Fee

Free

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No annual fees for life!

Min. Annual Income

₱ 180,000

Interest Rate

3 %

Offer Available

Moneymax UnionBank JanuaryWelcome Gift Campaign

Supremo Ultra HD Pocket Action Camera

+ 5 other gift options

Promo runs until February 15 2026. Per DTI Fair Trade Permit No. FTEB-245684 Series of 2026. T&Cs apply. Disclaimer: Applicant must be New-to-Bank applicant and an existing card holder from a different credit card provider registered under the Credit Bureau TransUnion Philippines.

Things to consider when choosing this card:

Things to consider

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No Annual Fee

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Nice card face

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Good for beginners

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Insurance payment rebate

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Benefits

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Quick Facts

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No annual fees for life!

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Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date

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No overlimit and late fees

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Ideal for: cardholders who prefer cards with less fees

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Eligibility

Eligibility Criteria

Minimum Age

21 years old

Maximum Age

70 years old

Min. Annual Income

₱ 180,000

Landline requirement

Not required

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Must have a postpaid line or postpaid mobile number

Credit card requirement

Not required

Required Documents

-Government-issued ID

- Proof of income: payslip, BIR Form 2316, Original Certificate of Employment, Latest 1700 or 1701 ITR with bank or BIR stamp

Foreign Nationals:

- ACR or valid passport

- Proof of local residency: ICR, ACR-I-Card with Permanent Visa status or more than 1 year validity, AEP with more than 1 year validity, SRIV, or SRRV

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Fees / Repayment

Fees & Charges

Annual Fee

Free

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No annual fees for life!

Annual Fee Waiver

Yes

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No annual fees for life!

Interest Rate

3 %

Interest on Cash Advance

3.04 %

Cash Advance Service Charge

₱ 200

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₱200 per transaction regardless of the cash advance amount.

Minimum Payment

₱ 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.

Late Payment Charge

None

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No late payment fees

Forex Conversion Rate

3.525 %

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An assessment fee of 1% will be charged by Mastercard/Visa, and up to 2.525% service fee will be charged by UnionBank on the converted amount.

UnionBank U Visa Platinum

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Quick Facts

Eligibility

Eligibility Criteria

Fees / Repayment

Fees & Charges

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