In 2025, UnionBank continues to be a top choice for Filipinos seeking versatile and rewarding credit cards. Ranked 9 among PH banks, with a total asset of ₱990.195B, UnionBank offers a range of cards tailored to diverse lifestyles. Let’s explore the features, benefits, and how to select the perfect UnionBank credit card for your needs.
UnionBank Credit Cards Features, Annual Fees, and Minimum Income Requirements
UnionBank’s credit card lineup in 2025 caters to various spending habits and preferences. From cashback and rewards to travel perks and co-branded options, there’s something for everyone.
Let’s drill down on the benefits and eligibility requirements of each UnionBack credit card.
- UnionBank Credit Cards Features, Annual Fees, and Minimum Income Requirements
- UnionBank Credit Cards Comparison Table
- How to Choose the Right UnionBank Credit Card
- UnionBank Rewards Points Converter
- UnionBank Rewards to Cash Converter
- UnionBank Rewards to Miles Converter
- How to Apply for a UnionBank Credit Card
- Frequently Asked Questions (FAQs)
Benefits
- 1 UB mile = ₱60 spend
- Non-expiry points
- VIP lounge access
- Up to ₱1M travel insurance
- 30-day purchase protection
Eligibility
- Minimum age: 21 years old
- Minimum income: ₱360,000
Benefits
- 1 UB mile = ₱60 spend
- Non-expiry points
- VIP lounge access
- Up to ₱1M travel insurance
- 30-day purchase protection
Eligibility
- Minimum age: 21 years old
- Minimum income: ₱360,000
Benefits
- 1 Go Rewards = ₱200 spend
- 1 Go Rewards = ₱100 spent on Cebu Pacific
- 1 Go Rewards is convertible to ₱1
- Airport lounge access
- Up to ₱10M travel insurance
- 30-day purchase protection
- Early alerts on Cebu Pacific seat sales
- Free baggage allowance
- Priority boarding
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱600,000
Benefits
- 1 Go Rewards = ₱200 spend
- 1 Go Rewards = ₱100 spent on Cebu Pacific
- 1 Go Rewards is convertible to ₱1
- Up to ₱10M travel insurance
- 30-day purchase protection
- Early alerts on Cebu Pacific seat sales
- Free baggage allowance
- Priority boarding
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱360,000
Benefits
- 1 Point = ₱25 spend
- Airport lounge access
- Up to ₱10M travel insurance
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱600,000
Benefits
- 1 point = ₱60 spend
- Earn 5x more points on shoping, dining, and foreign currency spend
- 24/7 Global Concierge Service
- 4th night complimentary stay for any hotel booked via Lifestyle Concierge (2x a year)
- VIP lounge access
- Up to ₱20M comprehensive travel insurance
- 30-day purchase protection
Eligibility
- Minimum age: 21 years old
Benefits
Spend ₱10,000 on any merchant except supermarkets and Meralco bills, and get:
- 6% cashback on groceries
- 2% cashback on Meralco bills
- 0.10% cashback on all other categories
- If the ₱10,000 requirement is not met, all purchases will get a 0.20% cashback
- Cashback is capped at ₱15,000 per year
Eligibility
- Minimum age: 21 years old
- Minimum income: ₱180,000
Benefits
Spend ₱10,000 on any merchant except supermarkets and Meralco bills, and get:
- 6% cashback on groceries
- 2% cashback on Meralco bills
- 0.10% cashback on all other categories
- If the ₱10,000 requirement is not met, all purchases will get a 0.20% cashback
- Cashback is capped at ₱15,000 per year
Eligibility
- Minimum age: 21 years old
- Minimum income: ₱360,000
Benefits
- Get 1% cashback across all purchases
- No monthly or annual limit
- Cashback is non-expiring
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱360,000
Benefits
- Get 1% cashback across all purchases
- No monthly or annual limit
- Cashback is non-expiring
- Airport lounge access
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱360,000
Benefits
- 1 point = ₱60 spend
- Earn 3x more points for local or international dining purchases
- Comes with a virtual credit card
Eligibility
- Minimum age: 21 years old
Benefits
- 1 point = ₱60 spend
- Earn 3x more points for local or international dining purchases
- Comes with a virtual credit card
Eligibility
- Minimum age: 21 years old
Benefits
- 1 point = ₱400 spend
- 5x points on Mercury Drug purchases (capped at ₱320,000
- 5X points on health, beauty, and wellness spend including clinics, spas, gyms, salons and ALL hospitals
- 3x points on foreign currency spend
Eligibility
- Minimum age: 21 years old
Benefits
- 1 point = ₱60 spend
- Earn 3x more points for local or international dining purchases
- 5,000 points reward for a cumulative spend of ₱500,000 until your card’s anniversary
- VIP lounge access
Eligibility
- Minimum age: 21 years old
- Minimum income: ₱600,000
Benefits
- 1 point = ₱60 spend
- Earn 3x more points for local or international dining purchases
- 5,000 points reward for a cumulative spend of ₱500,000 until your card’s anniversary
- VIP lounge access
Eligibility
- Minimum age: 21 years old
- Minimum income: ₱600,000
Benefits
- 1 point = ₱30 spend
- Earn 5x more points on shoping, dining, and foreign currency spend
- 24/7 Global Concierge Service
- 4th night complimentary stay for any hotel booked via Lifestyle Concierge (2x a year)
- VIP lounge access
- Up to ₱20M comprehensive travel insurance
- 30-day purchase protection
Eligibility
- Minimum age: 21 years old
Benefits
- 1 point = ₱30 spend
- Earn 5x more points on shoping, dining, and foreign currency spend
- 24/7 Global Concierge Service
- 4th night complimentary stay for any hotel booked via Lifestyle Concierge (2x a year)
- VIP lounge access
- Up to ₱20M comprehensive travel insurance
- 30-day purchase protection
Eligibility
- Minimum age: 21 years old
Benefits
- 3% rebates on S&R purchases
- 1% rebates on dining and shopping
- 0.25% rebates on other spend categories
- Free S&R pizza for every ₱30,000 non-S&R spend (capped at 4 pizzas per year)
- Auto-renewal of S&R membership
- NAFFL (tied to S&R membership)
Eligibility
- Minimum age: 21 years old
Benefits
- 6 Lazada Credits = ₱200 spend on Lazada
- 1 Lazada Credits = ₱200 non-Lazada spend
- Lazada Credits are transferable to Lazada wallet via UB Online App
- Exclusive Lazada vouchers and discounts
Eligibility
- Age requirement: 18-70 years old
Benefits
- 1 Go Rewards = ₱200 spend
- 1 Go Rewards is convertible to ₱1
- Complimentary Go Rewards Black Membership
- Exclusive deals and offers from Go Rewards Partners
- Free 3,000 Go Rewards after spending ₱30,000 in the first two months (for new-to-bank customers)
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱360,000
Benefits
- 1 Go Rewards = ₱100 spend on Robinsons Retail brands
- 1 Go Rewards = ₱200 spend on other merchants
- 1 Go Rewards is convertible to ₱1
- Complimentary Go Rewards Black Membership
- Exclusive deals and offers from Go Rewards Partners
- Free 5,000 Go Rewards after spending ₱50,000 in the first two months (for new-to-bank customers)
- Airport lounge access
- ₱10M travel insurance
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱600,000
Benefits
- 1 point = ₱10 spend
- 1 Go Rewards = ₱200 spend on other merchants
- Earn 500 points by setting up your PlayEveryday profile
- Earn 300 points for every referral
- Multiple ways to earn points and climb up the ladder
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱360,000
Benefits
- 1 point = ₱35 spend
- Airport lounge access
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱360,000
Benefits
- Choose a reward program thst suits your lifestyle
- 24/7 Visa Platinum Concierge
- ₱10M travel insurance
- Airport lounge access
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱600,000
Benefits
- 1 point = ₱35 spend
- Up to 36 months, 0% installment
- arge auto insurance in installment
Eligibility
- Age requirement: 18-70 years old
- Minimum income: ₱360,000
Benefits
- 5% rebate on Shell fuel, tollway load and auto repair services, maintenance and accessories
- 10% discount on Shell Helix Oil Change Packages
- arge auto insurance in installment
- Rebates are capped at ₱15,000 for Shell Power Platinum and ₱10,000 for Shell Power Gold
Eligibility
- Minimum age: 21 years old
Benefits
- NAFFL for both primary and supplementary cardholders
- Get 10% rebate on interest if you pay at least the minimum due on or before the due date
- No late payment fee
- No overlimit fee
Eligibility
- Minimum age: 21 years old
- Minimum income: ₱180,000
Benefits
- NAFFL for both primary and supplementary cardholders
- Get 10% rebate on interest if you pay at least the minimum due on or before the due date
- No late payment fee
- No overlimit fee
Eligibility
- Minimum age: 21 years old
- Minimum income: ₱180,000
Still undecided? You can also explore our interactive comparison table where you can filter cards by features — like cashback, rewards, travel insurance, and even those with waived annual fees.
Let’s say you’re only interested in cards with lounge access or no annual fee for life (NAFFL)? Just use the dropdown to filter cards instantly.
UnionBank Credit Cards Comparison Table
| Credit Card | Rewards | Cashback | Lounge Access | Travel Insurance | Annual Fee | 1st Supplementary | Forex Fee |
|---|---|---|---|---|---|---|---|
| UnionBank Rewards Visa Platinum/Platinum Mastercard | ✅ | ❌ | ❌ | ❌ | ₱2500 | ₱1250 | 3.53% |
| UnionBank Mercury Visa | ✅ | ❌ | ❌ | ❌ | ₱2000 | ₱900 | 3.53% |
| UnionBank Visa Platinum/Platinum Mastercard | ✅ | ❌ | ✅ | ❌ | ₱5000 | ₱2500 | 3.53% |
| UnionBank Reserve Visa Infinite/World Elite Mastercard | ✅ | ❌ | ✅ | ✅ | ₱12000 | ₱6000 | 1% |
| UnionBank S&R Visa Platinum | ❌ | ✅ | ❌ | ❌ | NAFFL | NAFFL | 3.53% |
| UnionBank Lazada | ❌ | ✅ | ❌ | ❌ | ₱3000 | ₱1500 | 3% |
| UnionBank Go Rewards Gold Visa | ✅ | ❌ | ❌ | ❌ | ₱3000 | ₱1500 | 3% |
| UnionBank Go Rewards Platinum Visa | ✅ | ❌ | ✅ | ✅ | ₱5000 | ₱2500 | 2% |
| UnionBank PlayEveryday | ✅ | ❌ | ❌ | ❌ | ₱1500 | ₱750 | 3% |
| UnionBank Gold Visa | ✅ | ❌ | ✅ | ❌ | ₱2500 | ₱1250 | 3% |
| UnionBank Platinum Visa | ✅ | ❌ | ✅ | ✅ | ₱3000 | ₱1500 | 2% |
| UnionBank Classic Visa | ✅ | ❌ | ❌ | ❌ | ₱1500 | ₱750 | 3% |
| UnionBank Shell Power Visa Platinum | ❌ | ✅ | ❌ | ❌ | ₱2500 | ₱1200 | 3.53% |
| UnionBank Cash Back Visa Platinum/Titanium Mastercard | ❌ | ✅ | ❌ | ❌ | ₱4500 | ₱2250 | 3.53% |
| UnionBank U Visa Platinum/Platinum Mastercard | ❌ | ❌ | ❌ | ❌ | NAFFL | NAFFL | 3.53% |
| UnionBank Gold Mastercard | ❌ | ✅ | ❌ | ❌ | ₱2500 | ₱1250 | 3% |
| UnionBank Platinum Mastercard | ❌ | ✅ | ✅ | ❌ | ₱3000 | ₱1500 | 2% |
| UnionBank Miles+ Platinum Visa | ✅ | ❌ | ✅ | ✅ | ₱3000 | ₱1500 | 2% |
| UnionBank Miles+ Visa Signature/World Mastercard | ✅ | ❌ | ✅ | ✅ | ₱5000 | ₱2500 | 3.53% |
| UnionBank Cebu Pacific Platinum | ✅ | ❌ | ✅ | ✅ | ₱5000 | ₱2500 | 2% |
| UnionBank Cebu Pacific Gold | ✅ | ❌ | ❌ | ❌ | ₱3000 | ₱1500 | 3% |
How to Choose the Right UnionBank Credit Card
Selecting the ideal credit card depends on your spending habits and financial goals.
- For Rewards: If you frequently shop or dine out, the UnionBank Rewards Visa Platinum offers generous points that never expire.
- For Cashback: Households can benefit from the Cash Back Visa Platinum, especially with its high rebates on groceries and utility bills.
- For Travel: The Miles+ Visa Signature is perfect for those who travel often, offering miles, insurance, and lounge access.
- For Beginners: First-time users might find the U Visa Platinum appealing due to its no annual fees and lenient charges.
- For Online Shopping: The Lazada Credit Card provides exclusive perks for avid online shoppers.
- For Budget Travel: Cebu Pacific Platinum cardholders can enjoy travel perks and earn points for flights.
UnionBank Rewards Points Converter
Ever wondered how much your UnionBank credit card points are really worth? Our Rewards Converter makes it super easy to figure that out.
Let’s say you’re collecting points from your UnionBank Rewards Visa Platinum and you’re eyeing that ₱1,000 SM gift certificate or maybe a Cebu Pacific flight. Instead of guessing, just plug your points into our converter and see how much value you’re getting.
UnionBank Rewards to Cash Converter
For most rewards card, the minimum cash rebate is ₱100. For cashback cards, cash credits are reedemed in the increments of ₱1000.
While we strive to keep the information accurate, rates and policies may change. If you notice discrepancies, email us at support@thedatacode.com.
UnionBank Rewards to Miles Converter
Note: An economy class trip from PH to Singapore requires:
9000 Asia Miles via Cathay Pacific
12000 Mabuhay Miles via PAL
13500 KrisFlyer Miles via Singapore Airlines
How to Apply for a UnionBank Credit Card
Applying for a UnionBank credit card is pretty straightforward. You’ll just need to prepare a few documents, fill out the form, and submit everything online or in person. Here’s how the process works:
First, complete the UnionBank Credit Card Application Form. This can be done digitally on UnionBank’s official website or through physical forms if you’re applying at a branch or event booth.
Next, get your valid ID ready.
For foreign applicants, UnionBank will require additional documentation like an Alien Certificate of Registration (ACR) or visas issued under Section 9d, 9g, a Special Investor’s Resident Visa (SIRV), or any visa authorized by PEZA or supported by Embassy Certification.
Once you’ve gathered all your requirements, submit your application. UnionBank will evaluate your documents and may ask for additional proof if needed. Processing times can vary, but you’ll be notified through email, SMS, or call regarding the status of your application.
Frequently Asked Questions (FAQs)
1. How to redeem UnionBank cashback/rewards/UB miles
You can redeem your UnionBank cashback/rewards/UB Miles easily through the UnionBank Online app.
Go to the Rewards section > Click Redeem > Pick your reward > Input the details > Click Proceed.
The minimum cashback to redeem is ₱1,000 in increments of ₱1,000, while rewards can be redeemed in increments of ₱100.
You will get a confirmation after successful redemption. Wait for up to 3 banking days to have the rebate posted in your account. For PAL Mabuhay Miles, reward points will be credited to your account within 3 to 7 banking days.
2. Do UnionBank cashback/rewards/UB miles expire
No, UnionBank cashback, rewards, and UB miles are non-expiring, allowing you to accumulate and enjoy your rebates anytime.
The only exceptions are UnionBank Miles+ Regular or Platinum credit cards’ cashback, rewards, and UB miles, which expire after 5 years.
3. Is there a minimum income requirement
Yes, each card has its own income requirement listed in the individual card information above. The income requirement for UnionBank credit cards ranges from ₱180,000 to ₱600,000.
4. How long does the application process take
You can receive your UnionBank credit card application result in as little as a few hours or up to 14 days, depending on how complete your documents are, your mode of application, and the number of other applications to be evaluated.
If you’re an existing UnionBank client with a good record, approval can be faster.
5. How to lock/unlock your UnionBank credit card
You can simply open your UnionBank app, go to the “Cards” section, select your credit card, and tap “Lock Card.” This instantly disables both online and physical use of your card, giving you peace of mind while you sort things out.
If you prefer doing it on a desktop, just log in at online.unionbankph.com, head to your Cards section, and toggle the lock option for your chosen credit card. The card gets deactivated right away.
Follow the same steps to unlock your card.
6. Can you request a supplementary card
Yes! You can request supplementary cards for family members, with the option to set individual spending limits. It’s a great way to consolidate rewards and manage shared expenses.
7. How to track UnionBank credit card delivery
Credit card deliveries are handled by trusted couriers (often 2GO or similar), and the standard delivery timeframe is around 7 to 10 banking days within Metro Manila and a bit longer for provincial addresses.
If it’s been more than 10 working days and you still haven’t received anything, you can contact UnionBank CS at (02) 8841-8600, or chat with their support team via the UB Online app or Facebook Messenger. Sometimes they can give you the name of the courier and tracking reference (if available), or escalate the request if it seems delayed.
You may also request that the bank disclose and provide your mobile number to the courier so you may be contacted when your card is out for delivery. Banks do not give out your number unless you request it.
8. How to activate/deactivate your UnionBank credit card
To activate your UnionBank credit card, just log in to the UnionBank Online app, tap on “Cards”, select your new credit card, then tap “Activate Card” and follow the prompts. Make sure your card is on hand—you’ll need to enter some details from it.
To deactivate (or lock) your card temporarily, go to the same Cards section, choose your credit card, and tap “Lock Card”. This is helpful if you have misplaced your card or want to pause usage. You can unlock it anytime through the same steps.
If your card is permanently lost or compromised, call UnionBank at (02) 8841-8600 or request a card replacement via the app.
9. What is PayDirect and how do you use it
PayDirect lets you pay directly to local bank accounts or e-wallets like GCash and Maya using your UnionBank credit card. It allows you to:
- Pay up to ₱200,000 per transaction, or up to ₱1 million/month
- Schedule one-time or recurring payments
- Track your transactions under Manage PayDirect in the app
Perfect for tuition fees, rent, supplier payments, or even household support.
10. How long is the interest-free period
UnionBank offers up to 53 days of 0% interest, from your statement cut-off date up to your due date, as long as you pay your balance in full by the due date.
11. Where to pay or settle my UnionBank credit card bill
Pay your credit card bill via UnionBank Online (website or app) to enjoy real-time posting.
Other payment options include:
Same-day Posting
- InstaPay or PESONet from other banks
- Over-the-counter at UnionBank branches
- UnionBank ATMs
Posting within 3 banking days:
- BPI Express Online/ATM
- Robinsons Bank ATM
- Bayad Center branches
- SM Bills Payment (The SM Store, SM Hypermarket, SaveMore, etc.)
- BancNet Online/ATM
If you have a UnionBank deposit account, you can also schedule payments on your due date, either in full or the minimum amount due, no need to issue checks or wait in line.
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