Credit card · Visa · Cashback
UnionBank S&R Visa Platinum
by UnionBank of the Philippines
Quick take
Main benefit
Cash back. You earn money back on what you spend — no points to convert.
Main catch
Interest is steep if you don't pay in full — about 3.00% a month.
Income needed
Check bank terms The bank does the final check.
Annual fee
₱0 — no yearly fee for life
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?
- You want a first credit card from a bank people recognize.
- You want simple rewards without tracking categories.
- You want a card you can keep without a yearly fee.
- You pay your balance in full each month to avoid interest.
- You'd rather earn travel points or airline miles.
- You expect to carry a balance from month to month.
- You want the highest rewards rate on the market.
The numbers
›More fees and details
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.
›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.
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.