UnionBank Platinum Mastercard

UnionBank Platinum Mastercard

If you’re looking to get more out of your shopping experience, apply for a UnionBank Platinum Mastercard. Earn 1% cash back on all spending categories so you can save anytime, anywhere. Find more exclusive perks when you apply today!
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Annual Fee
₱ 3,000  per year
Cash Back - Base Rate
1  %
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Min. Annual Income
₱ 600,000
3 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.
Giftaway Credit worth ₱3,000
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.

₱50,000 eGift
Moneymax Swipe Into Summer Campaign
MMX (50K eGift via Giftaway) ₱50,000 eGift

Promo is valid until May 31, 2026. Per DTI Fair Trade Permit No. 257109  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

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No-brainer rebate

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Overseas rebate

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Airport lounge

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High income requirement

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Benefits

Cashback

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Cash Back - Base Rate
1  %
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Additional Benefits

airlines
Airport Lounge Access
Free lounge access
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Life insurance coverage
₱ 400,000
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Quick Facts

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Earn 1% cash back on all spending categories.

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Free lounge access at NAIA Terminals 1 and 3.

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Accepted at over 30 million establishments worldwide.

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Ideal for: cardholders with huge monthly expenses.

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Eligibility

Eligibility Criteria

Minimum Age
18  years old
Maximum Age
70  years old
Min. Annual Income
₱ 600,000
Landline Required
Not required
Cash Advance Monthly Effective Interest Rate
Not required
Required Documents

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
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Fees / Repayment

Fees & Charges

Annual Fee
₱ 3,000  per year
Annual Fee Waiver
No
Monthly Effective Interest Rate
3  %
Cash Advance Monthly Effective Interest Rate
2.91  %
Cash Advance Fee
₱ 200
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Tags

UnionBank Platinum Mastercard UnionBank Platinum Mastercard

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