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 U Visa Platinum

UnionBank U Visa Platinum

Min. Annual Income
₱ 180,000
Interest Rate
3  %
Annual Fee
Free
info

Offer Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

No Annual Fee

check

Nice card face

check

Good for beginners

check

Insurance payment rebate

UnionBank Rewards Credit Card

UnionBank Rewards Credit Card

Min. Annual Income
₱ 180,000
info
Monthly Effective Interest Rate
3  %
Annual Fee
Free
info

2 Offers Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!
No annual fees for life!
No annual fees for life!

Valid until

31 December 2025

Things to consider for this product:

check

No annual fee

check

Free reward points

check

Accelerated rewards

UnionBank Cash Back Visa Platinum

UnionBank Cash Back Visa Platinum

Min. Annual Income
₱ 180,000
info
Interest Rate
3  %
Annual Fee
₱ 4,500  per year

2 Offers Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!
₱5,000 cash credits
₱5,000 cash credits

Valid until

31 December 2025

Things to consider for this product:

check

Supermarket rebate

check

Exclusive discounts

check

Good for beginners

check

Rebate cap applied

UnionBank Miles+ Visa Signature

UnionBank Miles+ Visa Signature

Min. Annual Income
₱ 360,000
Annual Fee
₱ 5,000  per year
Interest Rate
3  %

2 Offers Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!
30,000 Miles
30,000 Miles

Valid until

31 December 2025

Things to consider for this product:

check

No expiry miles

check

Travel insurance

check

Airport lounge

UnionBank Shell Power Visa Platinum

UnionBank Shell Power Visa Platinum

Min. Annual Income
₱ 180,000
info
Interest Rate
3  %
Annual Fee
₱ 2,800  per year

Offer Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Generous rebates

check

Exclusive discounts

check

Ideal for car owners

UnionBank Lazada Credit Card

UnionBank Lazada Credit Card

Min. Annual Income
₱ 360,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,000  per year

2 Offers Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Get THIS welcome gift!
₱5,000 Lazada Wallet Credits
₱5,000 Lazada Wallet Credits

Valid until

30 June 2025

Things to consider for this product:

check

Online shopping points

check

Online shoppping discount

check

Exclusive discounts

UnionBank Cebu Pacific Gold

UnionBank Cebu Pacific Gold

Min. Annual Income
₱ 360,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,000  per year

Offer Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Travel points

check

Nice card face

check

Exclusive discounts

UnionBank Cebu Pacific Platinum

UnionBank Cebu Pacific Platinum

Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 5,000  per year

Offer Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Travel points

check

Travel insurance

check

Airport lounge

remove

High income requirement

UnionBank Go Rewards Gold Visa

UnionBank Go Rewards Gold Visa

Min. Annual Income
₱ 180,000
info
Interest Rate
3  %
Annual Fee
₱ 3,000  per year

Offer Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Free reward points

check

Exclusive discounts

check

Shopping points

remove

Good for beginners

UnionBank Go Rewards Platinum Visa

UnionBank Go Rewards Platinum Visa

Min. Annual Income
₱ 180,000
info
Interest Rate
3  %
Annual Fee
₱ 5,000  per year

Offer Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Free reward points

check

Airport lounge

check

Travel insurance

remove

Shopping points

UnionBank Platinum Mastercard

UnionBank Platinum Mastercard

Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
3  %
Annual Fee
₱ 3,000  per year

Offer Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

No-brainer rebate

check

Overseas rebate

check

Airport lounge

remove

High income requirement

UnionBank PlayEveryday

UnionBank PlayEveryday

Min. Annual Income
₱ 360,000
info
Interest Rate
3  %
Annual Fee
₱ 1,500  per year

Offer Available

Moneymax Golden Giveaway
WIN a Trip to Boracay for 2!
Trip for 2 to Boracay! WIN a Trip to Boracay for 2!

+ 6 other gift options

Valid until

31 May 2025

Things to consider for this product:

check

Free reward points

check

Good for beginners

check

Exclusive discounts

Need some help?

No worries, we've got you covered!

Why choose a UnionBank credit card?

expand_more

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.

Who can apply for a UnionBank credit card?

expand_more

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

UnionBank Credit Card Requirements

expand_more

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

DISCLAIMER: Moneymax strives to keep its article information accurate and up to date. The information you read may be different from what you see when you visit a partner, provider, or financial institution’s website. All information we publish is presented without warranty and may change over time. If you find discrepancies or outdated information, please contact Moneymax directly.

 

With the exception of any articles published in partnership with named providers, opinions expressed in our articles are the author's alone, not those of any product provider, and have not been reviewed, approved or otherwise endorsed by any of the providers.

 

© Moneyguru Philippines Corporation. All rights reserved with its registered address at 6th floor, ACT Tower, H.V. Dela Costa, Salcedo Village, Makati City. Use of this site constitutes acceptance of our Terms and Conditions and Privacy Policy.