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UnionBank Rewards Visa Platinum Credit Card

by UnionBank of the Philippines

Visa networkRewards card

Quick take

Main benefit

Simple points. You earn points on every purchase — no categories to track.

Main catch

The yearly fee returns after the first year (₱2,500) unless the bank waives it.

Income needed

₱15,000/mo The bank does the final check.

Annual fee

₱2,500/yr Waived for the first year.

Apply on UnionBank of the PhilippinesCompare

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 want a first credit card from a bank people recognize.
  • You want simple rewards without tracking categories.
  • 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₱2,500/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
Fee waiverSpend Php 20,000 within 60 days of card approval for permanent lifetime annual fee waiver

The catch

  • The yearly fee returns after the first year (₱2,500) unless the bank waives it.
  • Interest is steep if you don't pay in full — about 3.00% a month.

Ready to decide?

Apply on UnionBank of the PhilippinesCompare similar cards

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.

Apply on UnionBank of the PhilippinesCompare