UnionBank Rewards Visa Platinum

Earn UB Points

Earn 1 UB point for every ₱60 spent anywhere, including online purchases and food deliveries.

Earn 3x more points for local or international dining purchases

Virtual Credit Card

Receive your virtual credit card right away after approval. No need to wait for your physical card, plus you get extra protection for your online transactions.

Eligibility

Between 21 and 70 years old
With a minimum gross annual income of ₱180,000
With a valid government-issued ID and proof of income document

Basic Requirements

Completely filled-out UnionBank Credit Card Application Form
Copy of one (1) valid ID with picture and signature.

Proof of Income

For employed or self-employed applicants, submit any of the following:

Income Tax Return (ITR) or Certificate of Compensation Payment and Tax Withheld or similar documents
Certificate of Employment or Employment Contract
Latest 3-months payslip
BIR Form 2316 or similar document
Proof of pension
Latest 3 months copy of Bank Statement of Account (SOA) from another bank

For foreign applicants, also submit Alien Certification of Registration (ACR) or its equivalent document, such as:

Visa issued under Section 9d and 9g of immigration Act of 1940
Special Investor’s Resident Visa (SIRV)
Visa issued by Philippine Economic Zone Authority – 47(a)(2)
Embassy Certification (for Diplomats and Embassy Personnel)

Fees & Charges

Annual Fee	Principal: ₱2,500 Supplementary: ₱1,250
Interest	3% per month
Cash Advance Service Fee	₱200
Dispute Fee	₱1000 for every invalid dispute
Late Payment Fee	₱1,500 or the unpaid minimum due (whichever is lower)
Overlimit Fee	₱1,500
Installment Processing Fee*	EasyTransfer: ₱900 EasyCash: ₱900 EasyBill: ₱750 EasyConvert: ₱250
Pre-Termination Fee	₱300 for PayEast and EasyConvert. 4% of unbilled principal for EasyBill, EasyTransfer, and EasyCash.
Gaming, Cryptocurrency, and Quasi-Cash Fee	5% for gaming or gambling transactions, cryptocurrency purchases, and cash-like transactions.
Card Replacement Fee	₱400
Foreign Transaction Service Fee	3.525%
Multiple Payment Fee	None as of Q1 2026

*Indicated amount is for every approved transaction.

1. How do I redeem my UB Rewards points?

You can redeem your credit card rewards easily through the UnionBank Online app.

Go to the Rewards section > Click Redeem > Pick your reward > Input the details > Click Proceed.

You will get a confirmation after successful redemption.

For PAL Mabuhay Miles, reward points will be credited to your account within 3 to 7 banking days.

2. Do UnionBank Rewards points expire?

UnionBank credit card points do not expire as long as the account remains active and in good standing.

The only exceptions are the UnionBank Miles+ Regular or Platinum Credit Card, which expires after 5 years.

3. What valid IDs are accepted when applying?

To apply for a UnionBank credit card, you can submit one of these primary IDs:

Passport
Philippine National ID (PhilID)
Driver’s License
SSS ID / Unified Multipurpose ID (UMID)
GSIS e-Card / GSIS ID (Membership ID)
Professional Regulation Commission (PRC) ID
IBP ID
NBI Clearance (with official receipt)
School ID (for students only – with registration form and birth certificate)

If you don’t have those, you can also submit any two of these secondary IDs:

Senior Citizen ID
Government Office / GOCC ID
Company ID
PhilHealth ID
Voter’s ID
Postal ID
OFW ID / OWWA ID
TIN ID
Seaman’s Book
Alien Certificate of Registration (ACR) / Immigrant Certificate of Registration (ICR)
National Council on Disability Affairs (NCDA) ID
(May be subject to further evaluation, especially for mental disabilities)

Note: All IDs must be valid and original. UnionBank may request additional documents for verification if needed.

4. Is there a minimum income requirement?

Yes, the minimum gross income requirement is ₱180,000 a year, or around ₱15,000 per month.

If you’re an existing cardholder from another bank, you may qualify through a fast-track application by submitting your latest credit card statement without the need for proof of income.

5. How long does it take to process the application?

You can receive your UnionBank credit card application result in as quick as a few hours or up to 14 days, depending on how complete your documents are, your mode of application, and the loads of other applications to be evaluated.

If you’re an existing UnionBank client with a good record, approval can be faster.

6. Is the UnionBank Rewards Visa Platinum Credit Card NAFFL (No Annual Fee For Life)?

No, the UnionBank Rewards Visa Platinum Credit Card comes with an annual fee of ₱2,500 for the principal cardholder and ₱1,250 for the supplementary cardholder.

Sometimes, UnionBank offers NAFFL or waived annual fee promos either through:

Signing up during a promo campaign
Spending a minimum amount within a given period (e.g., waive your annual fee if you spend 100x your AF during the current year)
Special limited-time offers

Check the latest UnionBank promo mechanics or contact their customer service to see if you qualify.

7. Can I 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.

8. Where can I pay or settle my UnionBank Rewards Visa Platinum 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 minimum amount due, no need to issue checks or wait in line.

9. What is PayDirect and how do I 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.