No Annual Fee For Life
Enjoy a perpetual waived annual membership fee (NAFFL) on your principal and supplementary U Platinum Mastercard.
Interest Rebates
Get a 10% rebate on your interest charges by simply paying at least the minimum due on or before your due date.
No Late Payment and Overlimit Fees
Be at ease because you won’t be charged if you spend a little bit more than your credit limit or pay a little bit later than your due date.
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
- 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 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 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 2025 |
*Indicated amount is for every approved transaction.
**Applicable to EasyTransfer, EasyBill, EasyConvert, and EasyCash
1. 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.
2. 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.
3. 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.
4. Is the UnionBank U Platinum Mastercard a NAFFL (No Annual Fee For Life) card?
Yes, the annual membership fee is perpetually waived for UnionBank U Platinum Mastercard principal and supplementary cardholders.
5. 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.
6. Where can I pay or settle my UnionBank U Platinum Mastercard 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.
7. 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.
8. 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.
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