Back to credit cards
Credit card · Mastercard · Miles
UnionBank Miles+ World Mastercard
by UnionBank of the Philippines
Mastercard networkMiles card
Quick take
Main benefit
Travel miles. Your spending earns miles you can put toward flights.
Main catch
Interest is steep if you don't pay in full — about 3.00% a month.
Income needed
₱30,000/mo The bank does the final check.
Annual fee
₱5,000/yr
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
Is this card for you?
Good fit if
- You travel often and want your spending to earn miles.
- You pay your balance in full each month to avoid interest.
Look elsewhere if
- You'd rather earn straight cashback than points or miles.
- You expect to carry a balance from month to month.
- You want the highest rewards rate on the market.
The numbers
Earn rateStill being checked with the bank
Annual fee₱5,000/yr
Interest if unpaid3.00% / month
Late payment fee₱1,500
Foreign currency markup3.52%
›More fees and details
Cash advance fee3.04% or ₱200
Over-limit fee₱1,500
The catch
- Interest is steep if you don't pay in full — about 3.00% a month.
Ready to decide?
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
You'll finish on UnionBank of the Philippines's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
- One valid government ID— passport, driver's license, UMID, or PhilSys.
- Proof of income — a recent payslip, your latest ITR, or a COE with salary.
- Proof of billing address — a utility bill or a bank statement.
- 10–15 minutes to fill out UnionBank of the Philippines's application form.
From UnionBank of the Philippines's official page · Checked Jun 3, 2026
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.