Rewards Worth Up to ₱3,990 – with Unionbank Credit Cards -
Explore Rewards
Credit Cards by UnionBank
Updated: Oct 16, 2026
UnionBank credit cards are designed to help you make the most of every purchase—whether you’re earning rewards, getting cashback, or enjoying lifestyle perks that add value to your routine. Each card is built with a specific purpose in mind, so you get benefits that genuinely support the way you spend.
From online shoppers and travelers to gamers and everyday users, UnionBank offers a diverse selection of cards that cater to different needs. This ensures you can choose a card that enhances the moments that matter, without unnecessary complexity.
When you’re ready to begin, UnionBank’s seamless online application makes the process quick, convenient, and aligned with your pace—letting you find the right card in just a few steps.
Bank Logo | Product Name | 🔥 Hot Reward Pick | Earn Rate & Perks | Min. Annual Income | Ideal For | |
|---|---|---|---|---|---|---|
 | UnionBank U Platinum Mastercard | 10% Cashback | ₱180,000 | On Time Payers | ||
 | UnionBank U Visa Platinum | 10% Cashback | ₱180,000 | On Time Payers | ||
 | UnionBank Rewards Platinum Mastercard | 3 points / ₱30 | ₱180,000 | Shopping and Dining | ||
 | UnionBank Cash Back Titanium Mastercard | 6% Cashback
| ₱180,000 | Grocery-Heavy Shoppers | ||
 | UnionBank Miles+ World Mastercard | 1 UB mile / ₱30 | ₱360,000 | Miles Seeker | ||
 | UnionBank Lazada Credit Card | Samsung Galaxy Watch Fit 3 (worth ₱3,990) | 6 points / ₱200 | ₱360,000 | Smart Shopper | |
 | UnionBank Cebu Pacific Platinum | 1 point / ₱100 | ₱600,000 | Frequent Cebu Pacific Travelers | ||
 | UnionBank Cebu Pacific Gold | 1 point / ₱100 | ₱360,000 | Frequent Cebu Pacific Flyers | ||
 | UnionBank Go Rewards Platinum Visa | 1 points / ₱100 | ₱180,000 | Points Saver | ||
 | UnionBank Go Rewards Gold Visa | 1 points / ₱200 | ₱180,000 | Points Saver | ||
 | UnionBank PlayEveryday | 1 point / ₱10 | ₱360,000 | Smart Gamer | ||
 | UnionBank Shell Power Visa Platinum | 5% Shell Cashback | ₱180,000 | Car Owners and Shell Station Frequenters | ||
 | UnionBank Platinum Mastercard | 1% Cashback | ₱600,000 | Cardholders With Huge Monthly Expenses |
Why Trust Moneymax?
Don’t miss out on this great deal!
🎁 Unlocking the Best UnionBank Welcome Gifts! 🎁
Apply for a new UnionBank credit card and get a premium welcome gift worth up to ₱3,990!
Apply by Jan 31, 2027 to claim your reward
Participating Products:
UnionBank U Platinum Mastercard
:
For On Time Payers
UnionBank U Visa Platinum
:
For On Time Payers
UnionBank Rewards Platinum Mastercard
:
For Shopping and Diner
UnionBank Cash Back Titanium Mastercard
:
For Grocery-Heavy Shoppers
UnionBank Miles+ World Mastercard
:
For Miles Seeker
UnionBank Lazada Credit Card
:
For Smart Shopper
UnionBank Cebu Pacific Platinum
:
Frequent Cebu Pacific Travelers
UnionBank Cebu Pacific Gold
:
Frequent Cebu Pacific Travelers
UnionBank Go Rewards Platinum Visa
:
For Points Saver
UnionBank Go Rewards Gold Visa
:
For Points Saver
UnionBank PlayEveryday
:
For Smart Gamer
UnionBank Shell Power Visa Platinum
:
For Shell Loyalist
UnionBank Platinum Mastercard
:
For Cardholders With Huge Monthly Expenses
How to Qualify?
Follow these simple steps to claim your exclusive gift:
- Apply via Moneymax: Register your interest and submit your application for an eligible UnionBank credit card on the Moneymax website between October 16, 2026 to January 31, 2027.
- Get Approved: Ensure you are a new-to-bank applicant with an existing credit card from another provider, and that UnionBank approves your application with complete documents.
- Choose Your Gift: Select one (1) of the following premium rewards:
- Giftaway Credit (₱3,000)
- Godox C100 Digital Camera (₱2,599)
- JBL Clip 5 (₱3,799)
- Samsung Watch Fit 3 (₱3,990)
- Receive Your Gift:
- Physical Items: You will receive a confirmation email within 12 weeks of your application. Delivery is estimated 12-15 weeks after that confirmation.
- eGifts: Cash credit will be sent directly to your email without a confirmation email.
Terms and Conditions apply.
Apply by Jan 31, 2027 to claim your reward
Annual Fee
No Annual FeeMin. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- No annual fees for life!
- Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date
- No overlimit and late fees
- Ideal for: cardholders who prefer cards with less fees
- No Annual Fee
- Nice card face
- Good for beginners
- Insurance payment rebate
Repayment Details
Minimum Payment: ₱500
Late Payment Charge: None
Interest on Purchase: None
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: No Annual Fee
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3.525 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Annual Fee
No Annual FeeMin. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- No annual fees for life!
- Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date
- No overlimit and late fees
- Ideal for: cardholders who prefer cards with less fees
- No Annual Fee
- Nice card face
- Good for beginners
- Insurance payment rebate
Repayment Details
Minimum Payment: ₱500
Late Payment Charge: None
Interest on Purchase: None
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: No Annual Fee
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3.525 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards - Dining Spend Local/Overseas
3 reward pointsRewards - Base Rate
1 point per ₱30Rewards - Retail Spend
3 reward pointsAnnual Fee
( No Annual Fee)Apply through Moneymax and choose from 4 premium rewards
- 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.
- No annual fee
- Free reward points
- Accelerated rewards
Repayment Details
Minimum Amount Due: ₱500
Cash Advance Monthly Effective Interest Rate: 3.04 %
Fees
Annual Fee: ( No Annual Fee)
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Cashback Supermarket
Up to 6 %Cashback Base Rate
0.2 %Cashback Groceries
3 % cashbackCashback Utilities
Up to 2 %Apply through Moneymax and choose from 4 premium rewards
- Earn up to 6% cash back on groceries
- Earn up to 2% cash back on Meralco bill payments when you pay via UnionBank Online
- Get up to 0.20% cash back on all other purchases
- Ideal for: individuals who want to save on their essential spend
- Supermarket rebate
- Exclusive discounts
- Good for beginners
- Rebate cap applied
Repayment Details
Interest on Cash Advance: 3.04 %
Minimum Payment: ₱500
Fees
Annual Fee: ₱4,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 21 years old
Rewards Points Baseline
1 rewards pointAnnual Fee
₱ ₱
5,000 per yearMin. Annual income
₱ ₱
360,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- Earn 1 mile for every ₱30 spend
- Redeem cash credits using your non-expiring miles or convert it to air miles
- Enjoy exclusive access and 2 complimentary passes every year to select local and international airport lounges
- Get up to ₱1 million travel insurance when you buy your travel ticket using your UnionBank Miles+ Visa Signature
- Get a 30-day Purchase Protection coverage for free
- Ideal for: frequent international travelers
- No expiry miles
- Travel insurance
- Airport lounge
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 3.04 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: -
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 21 years old
Annual Fee
₱ ₱
3,000 per yearMin. Annual Income
₱ ₱
360,000Rewards Points Baseline
1 Lazada Credits per ₱200 Apply through Moneymax and choose from 4 premium rewards
- Earn 6x Lazada Credits for every ₱200 spent on the app.
- Earn 1 Lazada Credit for purchases made to other merchants.
- Enjoy exclusive discounts from select Lazada merchants.
- Ideal for: online shoppers and frequent Lazada users.
- Online shopping points
- Online shoppping discount
- Exclusive discounts
Repayment Details
Cash Advance Monthly Effective Interest Rate: 3 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 18 years old
Rewards - Base Rate
1 point per ₱200Annual Fee
₱ ₱
5,000 per yearMin. Annual income
₱ ₱
600,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- 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.
- Travel points
- Travel insurance
- Airport lounge
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate : 2.91 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱600,000
Minimum Age: 18 years old
Rewards - Base Rate
1 point per ₱200Annual Fee
₱ ₱
3,000 per yearMin. Annual income
₱ ₱
360,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- 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.
- Travel points
- Nice card face
- Exclusive discounts
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2.91 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 18 years old
Rewards - Base Rate
1 Go Rewards PointAnnual Fee
₱ ₱
5,000 per yearMin. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- Earn 1 Go Rewards point for every ₱100 spend in Robinsons Retail stores such as Robinsons Department Store, Robinsons Supermarket, Cebu Pacific, Daiso, and Caltex
- Earn 1 Go Rewards point for every ₱200 on all other spend
- 1 Go Rewards point equals ₱1 that you can use when purchasing at Robinsons Retail establishments
- Automatically qualify for a Go Rewards Black Membership to get free delivery at Savers Appliances for the first 5 kilometers
- Ideal for: individuals who love to shop at Robinsons Retail Stores and love VIP treatment
- Free reward points
- Airport lounge
- Travel insurance
- Shopping points
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱5,000 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 2 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 18 years old
Rewards - Base Rate
1 Go Rewards PointAnnual Fee
₱ ₱
3,000 per yearMin. Annual Income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- Earn 1 point for every ₱200 spend
- 1 Go Reward point equals ₱1 that you can use when purchasing at Robinsons Retail establishments
- Automatically qualify for a Go Rewards Black Membership to get an Exclusive Black Membership Lane in The Marketplace and Shopwise
- Enjoy exclusive offers and deals from Go Rewards partners
- Ideal for: shoppers who frequent Robinsons Malls and Robinsons Retail stores
- Free reward points
- Exclusive discounts
- Shopping points
- Good for beginners
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 18 years old
Rewards - Base Rate
1 PlayPoint per ₱10Annual Fee
₱ ₱
1,500 per yearMin. Annual Income
₱ ₱
360,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- Earn one (1) PlayPoint for every ₱10 spend
- Redeem your points through the UnionBank Online app
- Set up your Avatar and join the leaderboards
- Enjoy exclusive deals and rewards worldwide
- Ideal for: first-time credit cardholders, gamers, and young adults
- Free reward points
- Good for beginners
- Exclusive discounts
Repayment Details
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱1,500 per year
Cash Advance Service Charge: ₱200
Eligibility
Min. Annual Income: ₱360,000
Minimum Age: 18 years old
Cashback Petrol
5 %Annual Fee
₱ ₱
2,800 per yearMin. Annual income
₱ ₱
180,000Interest Rate
3 %Apply through Moneymax and choose from 4 premium rewards
- 5% rebate on Shell fuel spend
- 5% rebate on RFID load purchases
- 5% rebate on auto repairs, accessories, and services
- 10% discount at Shell Helix Oil Change packages
- Access to 24/7 roadside assistance
- Ideal for: car owners and Shell station frequenters
- Generous rebates
- Exclusive discounts
- Ideal for car owners
Repayment Details
Late Payment Charge: ₱1,500
Interest on Cash Advance: 2.91 %
Fees
Annual Fee: ₱2,800 per year
Cash Advance Service Charge: ₱200
Forex Conversion Rate: 3 %
Eligibility
Min. Annual Income: ₱180,000
Minimum Age: 18 years old
Annual Fee
₱ ₱
3,000 per yearMin. Annual Income
₱ ₱
600,000Cashback Base Rate
1 %Apply through Moneymax and choose from 4 premium rewards
- Earn 1% cash back on all spending categories.
- Free lounge access at NAIA Terminals 1 and 3.
- Accepted at over 30 million establishments worldwide.
- Ideal for: cardholders with huge monthly expenses.
- No-brainer rebate
- Overseas rebate
- Airport lounge
- High income requirement
Repayment Details
Cash Advance Monthly Effective Interest Rate: 2.91 %
Fees
Annual Fee: ₱3,000 per year
Cash Advance Fee: ₱200
Eligibility
Min. Annual Income: ₱600,000
Minimum Age: 18 years old