UnionBank S&R Visa Platinum

Earn Cash Back

Enjoy unlimited rebates on the following categories:

3% on S&R purchases
1% on dining and shopping
0.5% on all other purchases

Free S&R Pizza

Get a free S&R pizza for every ₱30,000 spent outside S&R. Claim up to 4 pizzas a year.

Apply at the nearest S&R and also receive a free pizza, regardless if your application gets approved or rejected. Offer still available as of Q1 2026.

S&R Membership Auto-Renewal

Keep your S&R membership active without hassle. Membership is auto-renewed along with the credit card.

Eligibility

A resident of the Philippines with a valid Philippine billing address
At least 21 years old
With TIN, SSS, or UMID number
With a minimum gross annual income of ₱180,000
With a postpaid/residential line or a postpaid mobile phone
With good credit standing (if you have a credit card with other banks)

Basic Requirements

Completely filled-out UnionBank Credit Card Application Form
Photocopy 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
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 a valid passport or Alien Certification of Registration (ACR) and any of the following:

ACR-I-Card with Visa status “Permanent”, otherwise, should be valid for more than 1 year
Visa and Work Permit/Alien Employment Permit (AEP) with validity of more than 1 year
Special Resident Investors Visa (SRIV)
Special Resident Retirement Visa (SRRV)
For the top 2000 companies, an employment contract or letter from company HR printed on company letterhead with name, position, and confirmation of term.

Fees & Charges

Annual Fee	Principal: NAFFL (tied to S&R membership) Supplementary: NAFFL
Interest	3% per month
Cash Advance Service Fee	₱200
Cash Advance Interest	3.04%
Late Payment Fee	₱1,500 or the unpaid minimum due (whichever is lower)
Overlimit Fee	₱1,500 or the highest overlimit amount during the billing period (whichever is lower)
Processing Fee*	EasyTransfer: ₱900 EasyCash: ₱900 EasyBill: ₱750 EasyConvert: ₱250
Initial Interest**	(Approved Principal Amount x Monthly EIR x # of days from the approval date to the statement date) / 30 days
Installment Cancellation or Pre-Termination Fee	₱300 for PayEasy and EasyConvert transactions. 4% of the remaining balance for EasyBill, EasyTransfer, EasyCash
PayDirect Transaction Fee	3% of payment amount
Quasi-Cash Fee	5% for 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.
**Applicable to EasyTransfer, EasyBill, EasyConvert, and EasyCash

1. How do I redeem my UnionBank cashback/rebates?

You can redeem your UnionBank cashback/rebate easily through the UnionBank Online app.

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

For UnionBank S&R Visa Platinum, you can use your rebates to claim S&R vouchers that you can use for shopping. Vouchers will appear on the UB app once you’ve reached the minimum rebates required.

2. How to claim the free S&R pizza?

Upon meeting the spending requirement (₱30,000), the voucher will automatically appear in your UB mobile app. Present the voucher in S&R, wait for the staff to encode the details, choose your flavor, and wait for the free pizza to be served.

If you applied for UnionBank S&R Visa Platinum in-store and received a stub for a free pizza, the claiming process is also the same.

3. Does UnionBank cashback expire?

No, UnionBank cashback is non-expiring, allowing you to accumulate and enjoy your rebates anytime.

4. 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.

5. 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.

6. 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.

7. Is the UnionBank S&R Visa Platinum a NAFFL (No Annual Fee For Life) card?

Yes, UnionBank S&R Visa Platinum is an NAFFL card. However, you must keep your S&R membership active to keep the card working. Your membership is automatically charged to your card, and your membership is auto-renewed.

8. 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.

9. Where can I pay or settle my UnionBank S&R 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.

10. 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.

11. 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.