Credit Cards by UnionBank
Credit cards can sometimes be complicated to use, even if they should make life easier. Good thing UnionBank credit cards are uncomplicated accessories because of their wide selection of cards that suit different lifestyles.
Everyone is represented with UnionBank credit cards: the online shopper, the gamer, the traveler, the premium perk seeker, and the classic card lovers, among others.
If you’re looking for specific features like rewards and cash back, there are also cards for you. So pick the best one for you and start your UnionBank credit card application online!

UnionBank Rewards Credit Card
Things to consider for this product:
No Annual Fee
Accelerated rewards
Free reward points
Dining points
- Earn 3x non-expiring reward points when you shop and dine here and abroad.
- Earn 1 non-expiring reward point for every ₱30 spend.
- Redeem cash credits, merchandise, gadgets, points transfers, and MORE!
- Ideal for: cardholders who frequently shop and dine locally and overseas.
Regular Employee
- Government-issued ID: Passport
- Signed Certificate of Employment
- Valid TIN / SSS / GSIS or UMID number
- Proof of income: BIR Form 2316, your ;atest ITR (1700 or 1701) with a BIR or Bank Stamp, or your latest payslip.

UnionBank Lazada Credit Card
Things to consider for this product:
Online shopping points
Online shoppping discount
Exclusive discounts
- Earn 6x Lazada Credits for every ₱200 spent on the app.
- Contactless payment capability for tap and go purchases.
- Enjoy exclusive discounts from select Lazada merchants.
- Ideal for: online shoppers and frequent Lazada users.
Regular Employee
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Signed Certificate of Employment
- Proof of income
Self-Employed
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Audited Financial Statements
- Business registration/permits

UnionBank Platinum Visa Card
Things to consider for this product:
Travel points
Travel insurance
Airport lounge
Exclusive discounts
- Earn 1 rewards point for every ₱25 spend.
- Earn 1.5 rewards points for every ₱25 travel spend.
- Enjoy unlimited pre-departure lounge access at NAIA 1 and 3.
- Free travel insurance coverage up to ₱10 million.
- Ideal for: cardholders who travel for leisure or business.
Regular Employee
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Signed Certificate of Employment
- Proof of income
Self-Employed
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Audited Financial Statements
- Business registration/permits

UnionBank Platinum Mastercard
Things to consider for this product:
No-brainer rebate
Overseas rebate
Airport lounge
High income requirement
- Earn 1% cash back on all spending categories.
- Free lounge access at NAIA Terminals 1 and 3.
- Free life insurance coverage up to ₱400,000.
- Accepted at over 30 million establishments worldwide.
- Ideal for: cardholders with huge monthly expenses.
Regular Employee
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Signed Certificate of Employment
- Proof of income
Self-Employed
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Audited Financial Statements
- Business registration/permits

UnionBank Cebu Pacific Gold
Things to consider for this product:
Travel points
Nice card face
Exclusive discounts
- Earn 1 Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Exclusive access to Cebu Pacific seat sales.
- Free life insurance coverage of up to ₱400,000.
- Ideal for: cardholders who frequently fly with Cebu Pacific.
Regular Employee
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Signed Certificate of Employment
- Proof of income
Self-Employed
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Audited Financial Statements
- Business registration/permits

UnionBank Cebu Pacific Platinum
Things to consider for this product:
Travel points
Travel insurance
Airport lounge
High income requirement
- Earn one (1) Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Free unlimited access to NAIA Terminal 3 - Pacific Lounge.
- Free travel insurance and other premium travel perks.
- Early alerts to upcoming Cebu Pacific seat sales.
- Ideal for: frequent leisure or business travelers.
Regular Employee
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Signed Certificate of Employment
- Proof of income
Self-Employed
- Government-issued ID
- Valid TIN / SSS / GSIS or UMID number
- Audited Financial Statements
- Business registration/permits
Need some help?
No worries, we've got you covered!
There’s a UnionBank credit card for every individual. Choose from an abundant selection that includes UnionBank premium, co-branded, category-specific, and interest-focused cards. Earn points with every swipe and redeem exclusive deals and freebies from partner outlets.
Plus, get instant cash back and a 0% interest rate on high-ticket purchases. There’s also the UnionBank Online app, a helpful and well-made tool to easily access your credit card information, rewards, and cash back. Excited? Here are other features you’ll love from UnionBank credit cards:
- Cash Back on Everything - Confused with different cash back rates for different categories that other credit cards offer? UnionBank credit cards make things simple by letting you earn cash back on all purchases. The UnionBank Platinum Mastercard and UnionBank Gold Mastercard are examples of cards with 1% cash back on everything.
- Premium Travel Perks and Rewards - Avid travelers will have more than enough to choose from with UnionBank’s vast selection of travel credit cards. Earn more reward points when you spend on travel-related purchases and redeem your reward points for travel rewards such as air miles and fuel cards. If you prefer to travel via airlines, use your unlimited access to NAIA airport lounges for some R&R before boarding. And if you love to travel via Cebu Pacific, you have not one, but two Cebu Pacific co-branded cards to choose from.
- 0% Interest Installment Plans - Partake in a little luxury, knowing you can pay for it on your own terms. UnionBank credit cards have affordable and flexible installment payments ideal for your budget. Installment plans are payable up to 36 months and selected items have 0% interest for items priced at ₱3,000 or higher.
- Attractive Welcome Gifts - Need another good reason to apply for a UnionBank credit card? Check out their roster of welcome gifts! Selected UnionBank cards offer attractive welcome gifts varying per card and promo period. Some gift examples include gadgets, eGCs, reward points, and rebates.
- Exclusive Deals and Promos - Who doesn’t want freebies and discounts? You’re in for a treat because UnionBank credit cards have exclusive discounts and promos for you all year round! Pick your choice of exclusive shopping, travel, dining, and lifestyle offerings from partner merchants nationwide.
- Unique Credit Cards for Every Interest - We’re not kidding when we said UnionBank credit cards cater to different interests. There’s a card for online shoppers like the UnionBank Lazada Credit Card and Cebu Pacific flyers through several co-branded credit cards. Even cards like the UnionBank PlayEveryday Card, the first of its kind, are tailor-fitted for gamers looking to gamify their finances.
- Award-winning Mobile App - Straightforward, convenient, and secure. Count on these words when you download the UnionBank Online app. Manage your credit card transactions wherever you go and access special features like Spend Tracker and Control your Visa Card. Login is made secure with an OTP requirement and an optional face or fingerprint ID login. It’s one of the best banking apps out there with proof to boot—it won the Best Digital Bank Philippines Award from The Digital Banker during their Global Retail Banking Innovation Awards 2020.
Both Filipinos and foreigners residing in the Philippines can apply for any UnionBank credit card as long as they fit the following criteria:
- Must be at least 18 to 70 years old
- Must be a Filipino or a foreigner with local residence
You only need a few documents to apply and get approved for a UnionBank credit card. Documents differ depending on your residence status as seen below:
- 1 valid government ID with photo and signature (e.g. SSS, UMID, TIN, Passport, Driver’s License)
- Any of the following:
- Latest ITR (Form 1701), Certificate of Compensation Payment and Tax Withheld, or other similar documents
- 3 months' latest payslip
- Certificate of Employment or employment contract
- BIR Form 2316 or other similar documents
- Proof of pension
- 3 months latest copy of Bank Statement of Account from another bank
- Additional requirement for foreigners: Alien Certificate of Registration (ACR) or other similar documents