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!

See Moreexpand_more

Annual Fee

No Annual Fee

info

₱180,000 Yearly Spend Requirement

Min. Annual Income

₱ 180,000

Interest Rate

3 %

layers

Highlights

Annual Fee

No Annual Fee

info

₱180,000 Yearly Spend Requirement

Min. Annual Income

₱ 180,000

Interest Rate

3 %

2 Offers Available

Receive 1x chance to open a Mystery Box!

Summer Blind Box Campaign

Receive 1x chance to open a Mystery Box!

Promo is valid until June 6, 2026. Per DTI Fair Trade Permit No. 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.

Customers may choose to open one of 3 available Mystery Box categories, which contain the following rewards:
- Mystery Box 1: Adventure
  - JBL Go 5 (worth S$2,899)
  - Apple AirTag (worth S$1,800)
  - ₱1,500 Klook Voucher
  - ₱500 Grab Voucher
  - ₱500 Personal Accident Insurance
- Mystery Box 2: Chill
  - Xiaomi Redmi Soundbar (worth ₱2,499)
  - ₱1,000 Karada Voucher
  - ₱1,000 Bioessence Voucher
  - ₱1,000 SM Cinema Voucher
- Mystery Box 3: Pro Gamer Arena
  - Jisulife Neck Fan Life3 (worth ₱1,850)
  - Xiaomi Mijia Portable Juicer 2 (worth ₱1,299)
  - ₱500 Starbucks Voucher
  - ₱500 Watsons Voucher
Promotion is stackable with MoneyMax Exclusive Offer reward.
Terms and Conditions apply.

Moneymax UnionBank May Welcome Gift Campaign

Giftaway Credit worth ₱3,000

+ 5 other gift options

Promo is valid until July 15, 2026. Per DTI Fair Trade Permit No. FTEB-256643 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

check

No Annual Fee

check

Nice card face

check

Good for beginners

check

Insurance payment rebate

sentiment_satisfied

Benefits

sports_score

Quick Facts

check_circle

No annual fees for life!

check_circle

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

check_circle

No overlimit and late fees

check_circle

Ideal for: cardholders who prefer cards with less fees

rule_folder

Eligibility

Eligibility Criteria

Minimum Age

21 years old

Maximum Age

70 years old

Min. Annual Income

₱ 180,000

Landline requirement

Not required

info

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

local_atm

Fees / Repayment

Fees & Charges

Annual Fee

No Annual Fee

info

₱180,000 Yearly Spend Requirement

Annual Fee Waiver

Yes

info

No annual fees for life!

Interest Rate

3 %

Interest on Cash Advance

3.04 %

Cash Advance Service Charge

₱ 200

info

₱200 per transaction regardless of the cash advance amount.

Minimum Payment

₱ 500

info

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

info

No late payment fees

Forex Conversion Rate

3.525 %

info

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

Tags