Understanding how much your rewards are actually worth can be confusing. This UnionBank Rewards to Cash Converter helps you quickly estimate how many pesos your points are worth, and how much you need to spend to earn them.
Whether you’re using a UnionBank Rewards card, co-branded card, or cashback card, this tool gives you a clear view of your real return. It’s especially useful for comparing cards and making smarter spending decisions.
Want a complete breakdown of UnionBank credit cards, including rewards, fees, and perks? Read our full guide here.
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.
How to Use the UnionBank Rewards to Cash/Shopping Credits Calculator (Step-by-Step)
Using the converter is quick and straightforward:
- Select your UnionBank credit card from the dropdown list.
- Enter the number of rewards points you’ve earned.
- Instantly see how much your points are worth in pesos.
- You’ll also see the estimated spend required to earn those points, plus any bonus earning notes.
Rewards Conversion Table
Below is a simplified reference of how UnionBank credit card rewards convert into cash or shopping credits.
| Card | Spend to Rewards Point | Rewards Points to Cash / Shopping Credit | Conversion Rate (%) | Minimum Redemption |
|---|---|---|---|---|
| UnionBank PlayEveryday | ₱10 = 1 point | 2,000 points = ₱100 | 0.50% | ₱100 |
| UnionBank Lazada | ₱200 = 1 point | 100 points = ₱100 | 0.50% | ₱100 |
| UnionBank Rewards Visa Platinum | ₱60 = 1 point | 1,700 points = ₱100 | 0.10% | ₱100 |
| UnionBank Rewards Platinum Mastercard | ₱60 = 1 point | 1,700 points = ₱100 | 0.10% | ₱100 |
| UnionBank Mercury Visa | ₱400 = 1 point | 1,700 points = ₱100 | 0.015% | ₱100 |
| UnionBank Visa Platinum | ₱60 = 1 point | 1,700 points = ₱100 | 0.10% | ₱100 |
| UnionBank Platinum Mastercard | ₱60 = 1 point | 1,700 points = ₱100 | 0.10% | ₱100 |
| UnionBank Reserve Visa Infinite | ₱60 = 1 point | 1,700 points = ₱100 | 0.10% | ₱100 |
| UnionBank Reserve World Elite Mastercard | ₱60 = 1 point | 1,700 points = ₱100 | 0.10% | ₱100 |
| UnionBank S&R Visa Platinum | ₱33.33 = 1 point | 100 points = ₱100 | 3.00% | ₱100 |
| UnionBank Go Rewards Gold Visa | ₱200 = 1 point | 100 points = ₱100 | 0.50% | ₱100 |
| UnionBank Go Rewards Platinum Visa | ₱200 = 1 point | 100 points = ₱100 | 0.50% | ₱100 |
| UnionBank Gold Visa | ₱35 = 1 point | 1,700 points = ₱100 | 0.17% | ₱100 |
| UnionBank Classic Visa | ₱35 = 1 point | 1,700 points = ₱100 | 0.17% | ₱100 |
| UnionBank Shell Power Visa Platinum | ₱20 = 1 point | 100 points = ₱100 | 5.00% | ₱100 |
| UnionBank Gold/Platinum Mastercard | ₱100 = 1 point | 100 points = ₱100 | 1.00% | ₱100 |
Cashback Cards
| Card | Cashback Rate | Minimum Redemption |
|---|---|---|
| UnionBank Cash Back Visa Platinum | Up to 6% (category-based) | ₱1,000 |
| UnionBank Cash Back Titanium Mastercard | Up to 6% (category-based) | ₱1,000 |
For most rewards card, the minimum cash rebate is ₱100. For cashback cards, cash credits are reedemed in the increments of ₱1000.
Final Thoughts
UnionBank rewards can vary widely depending on the card you use. Some cards offer strong returns in specific categories, while others provide more general rewards at lower rates. This calculator helps you cut through the complexity and see the real value behind your points.
Use it regularly to guide your spending, compare cards, and make sure you’re getting the most out of your rewards, not just earning points, but maximizing their worth.
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