Credit cards can sometimes feel complicated, even though they’re meant to simplify life. Fortunately, UnionBank credit cards are hassle-free, offering a wide range of options to match various lifestyles. With UnionBank, everyone can find a card that fits—whether you’re an online shopper, a gamer, a traveler, a fan of premium perks, or a classic card enthusiast. If you’re seeking specific benefits like rewards or cash back, they have options for you too. Choose the one that suits you best and get started on your UnionBank credit card application online!
UnionBank PlayEveryday
| Annual Fee | ₱ 1,500 per year |
| Min. Annual Income | ₱ 360,000 |
| Interest Rate | 3% |
Card Details
- Earn one (1) PlayPoint for every ₱10 spend
- Redeem your points through the UnionBank Online app
- Set up your Avatar and join the leaderboards
- Enjoy exclusive deals and rewards worldwide
- Ideal for: first-time credit cardholders, gamers, and young adults
UnionBank PlayEveryday
UnionBank Go Rewards Platinum Visa
| Annual Fee | ₱ 5,000 per year |
| Min. Annual Income | ₱ 180,000 |
| Interest Rate | 3% |
Card Details
- Earn 1 Go Rewards point for every ₱100 spend in Robinsons Retail stores such as Robinsons Department Store, Robinsons Supermarket, Cebu Pacific, Daiso, and Caltex
- Earn 1 Go Rewards point for every ₱200 on all other spend
- 1 Go Rewards point equals ₱1 that you can use when purchasing at Robinsons Retail establishments
- Automatically qualify for a Go Rewards Black Membership to get free delivery at Savers Appliances for the first 5 kilometers
- Ideal for: individuals who love to shop at Robinsons Retail Stores and love VIP treatment
UnionBank Go Rewards Platinum Visa
UnionBank Go Rewards Gold Visa
| Annual Fee | ₱ 3,000 per year |
| Min. Annual Income | ₱ 180,000 |
| Interest Rate | 3% |
Card Details
- Earn 1 point for every ₱200 spend
- 1 Go Reward point equals ₱1 that you can use when purchasing at Robinsons Retail establishments
- Automatically qualify for a Go Rewards Black Membership to get an Exclusive Black Membership Lane in The Marketplace and Shopwise
- Enjoy exclusive offers and deals from Go Rewards partners
- Ideal for: shoppers who frequent Robinsons Malls and Robinsons Retail stores
UnionBank Go Rewards Gold Visa
UnionBank Miles+ Visa Signature
| Annual Fee | ₱ 5,000 per year |
| Min. Annual Income | ₱ 360,000 |
| Interest Rate | 3% |
Card Details
- Earn 1 mile for every ₱30 spend
- Redeem cash credits using your non-expiring miles or convert it to air miles
- Enjoy exclusive access and 2 complimentary passes every year to select local and international airport lounges
- Get up to ₱1 million travel insurance when you buy your travel ticket using your UnionBank Miles+ Visa Signature
- Get a 30-day Purchase Protection coverage for free
- Ideal for: frequent international travelers
UnionBank Miles+ Visa Signature
UnionBank Cebu Pacific Platinum
| Annual Fee | ₱ 5,000 per year |
| Min. Annual Income | ₱ 600,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Earn one (1) Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Free unlimited access to NAIA Terminal 3 – Pacific Lounge.
- Free travel insurance and other premium travel perks.
- Early alerts to upcoming Cebu Pacific seat sales.
- Ideal for: frequent leisure or business travelers.
UnionBank Cebu Pacific Platinum
UnionBank Cebu Pacific Gold
| Annual Fee | ₱ 3,000 per year |
| Min. Annual Income | ₱ 360,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Earn 1 Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Exclusive access to Cebu Pacific seat sales.
- Free life insurance coverage of up to ₱400,000.
- Ideal for: cardholders who frequently fly with Cebu Pacific.
UnionBank Cebu Pacific Gold
UnionBank Platinum Mastercard
| Annual Fee | ₱ 3,000 per year |
| Min. Annual Income | ₱ 600,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Earn 1% cash back on all spending categories.
- Free lounge access at NAIA Terminals 1 and 3.
- Accepted at over 30 million establishments worldwide.
- Ideal for: cardholders with huge monthly expenses.
UnionBank Platinum Mastercard
UnionBank Lazada Credit Card
| Annual Fee | ₱ 3,000 per year |
| Min. Annual Income | ₱ 360,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Earn 6x Lazada Credits for every ₱200 spent on the app.
- Earn 1 Lazada Credit for purchases made to other merchants.
- Enjoy exclusive discounts from select Lazada merchants.
- Ideal for: online shoppers and frequent Lazada users.
UnionBank Lazada Credit Card
UnionBank Cash Back Visa Platinum
| Annual Fee | ₱ 4,500 per year |
| Min. Annual Income | ₱ 180,000 |
| Interest Rate | 3% |
Card Details
- Earn up to 6% cash back on groceries
- Earn up to 2% cash back on Meralco bill payments when you pay via UnionBank Online
- Get up to 0.20% cash back on all other purchases
- Ideal for: individuals who want to save on their essential spend
UnionBank Cash Back Visa Platinum
UnionBank Rewards Credit Card
| Annual Fee | Free |
| Min. Annual Income | ₱ 180,000 |
| Monthly Effective Interest Rate | 3% |
Card Details
- Earn 3x non-expiring reward points when you shop and dine here and abroad.
- Earn 1 non-expiring reward point for every ₱30 spend.
- Redeem cash credits, merchandise, gadgets, points transfers, and MORE!
- Ideal for: cardholders who frequently shop and dine locally and overseas.
UnionBank Rewards Credit Card
UnionBank U Visa Platinum
| Annual Fee | Free |
| Min. Annual Income | ₱ 180,000 |
| Interest Rate | 3% |
Card Details
- No annual fees for life!
- Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date
- No overlimit and late fees
- Ideal for: cardholders who prefer cards with less fees
UnionBank U Visa Platinum
Need some help?
UnionBank offers a credit card for everyone, with a broad selection of premium, co-branded, category-specific, and interest-focused options. With every swipe, you’ll earn points to redeem for exclusive deals and freebies at partner outlets. Enjoy instant cash back and a 0% interest rate on big-ticket purchases, all while managing your card easily with the UnionBank Online app. This app is a powerful tool that lets you track rewards, cash back, and other benefits on the go.
You only need a few documents to apply and get approved for a UnionBank credit card. Documents differ depending on your residence status as seen below: 1 valid government ID with photo and signature (e.g. SSS, UMID, TIN, Passport, Driver’s License) Any of the following: Latest ITR (Form 1701), Certificate of Compensation Payment and Tax Withheld, or other similar documents 3 months' latest payslip Certificate of Employment or employment contract BIR Form 2316 or other similar documents Proof of pension 3 months latest copy of Bank Statement of Account from another bank Additional requirement for foreigners: Alien Certificate of Registration (ACR) or other similar documents
UnionBank credit cards are available for both Filipinos and foreigners living in the Philippines, provided they meet the following requirements: Must be between 18 and 70 years old Must be a Filipino citizen or a foreigner with local residency
