Best UnionBank Credit Cards for Frequent Travelers

Maximize your travel perks and rewards with the best UnionBank credit cards for 2025.

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Introduction

Mahilig ka bang mag-travel? ✈️ Whether local trips or international adventures, having the right credit card can save you thousands on flights, hotels, and rewards. If you’re a first-time credit card user in the Philippines, UnionBank is one of the best options for frequent travelers because of its high rewards, exclusive airport perks, and low conversion rates for foreign transactions.

In this blog, we’ll explore the best UnionBank credit cards for travelers, their features, requirements, and tips on how to make the most out of your rewards.

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Why Choose UnionBank for Travel Credit Cards?

UnionBank has become one of the most competitive banks in the Philippines when it comes to travel-friendly credit cards. Here’s why:

• ✈️ Earn miles faster — Some cards give up to 1 reward point per ₱30 spend.
• 🌎 Low forex conversion rates — Perfect for international travelers.
• 🏨 Free travel insurance on selected cards.
• 🛫 Airport lounge access for premium cardholders.
• 🎁 Flexible reward redemption for flights, hotels, and cashback.

For first-time cardholders, UnionBank also makes the application process beginner-friendly.

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Best UnionBank Credit Cards for Frequent Travelers (2025)

1. UnionBank Miles+ Platinum Visa (Best Overall for Earning Miles)

Perfect for travelers who want to earn miles faster and enjoy exclusive airport perks.

Key Benefits:

• Earn 1 mile per ₱25 spend on airlines, hotels, and overseas purchases.
• Complimentary travel insurance up to ₱10M.
• Free access to international airport lounges via DragonPass.
• Exclusive discounts on airline partners and travel packages.

Quick Specs:

• Annual Fee: ₱3,000 (free for the first year)
• Minimum Income: ₱30,000/month
• Ideal For: Frequent flyers who want maximum miles accumulation.

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2. UnionBank Cebu Pacific Gold Credit Card (Best for Budget Travelers)

Kung madalas kang mag-book ng Cebu Pacific flights, this card gives you exclusive perks.

Key Benefits:

• Earn 1 Go Rewards point per ₱200 spend
• Priority boarding on Cebu Pacific flights
• Get exclusive seat sale alerts before the public
• Free travel insurance for local and international trips

Quick Specs:

• Annual Fee: ₱2,000 (first year waived)
• Minimum Income: ₱15,000/month
• Ideal For: Budget-conscious travelers who love Cebu Pacific promos.

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3. UnionBank Platinum Mastercard (Best for International Travelers)

If you love shopping abroad and traveling internationally, this is your best bet.

Key Benefits:

• Earn 1 reward point per ₱30 spend — redeemable for miles or cashback
• Low foreign exchange conversion rate
• Complimentary ₱5M travel insurance
• VIP access to over 1,000 airport lounges worldwide

Quick Specs:

• Annual Fee: ₱3,500 (waived for the first year)
• Minimum Income: ₱40,000/month
• Ideal For: First-time cardholders who want premium international benefits.

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4. UnionBank Rewards Gold Visa (Best for Flexible Travel Perks)

This card lets you convert points into miles or cashback, giving you more flexibility.

Key Benefits:

• Earn 3x reward points on dining, shopping, and travel bookings
• Points never expire — great for long-term travel planning
• Convert reward points to PAL Mabuhay Miles, Cebu Pacific Go Rewards, or Asia Miles
• Enjoy partner hotel and airline promos year-round

Quick Specs:

• Annual Fee: ₱2,500 (first year waived)
• Minimum Income: ₱21,000/month
• Ideal For: Travelers who want customized rewards.

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5. UnionBank Visa Infinite (Best for Luxury Travelers)

If you want the ultimate travel experience, this card gives you top-tier perks.

Key Benefits:

• Earn 1 mile per ₱20 spend — highest miles conversion rate among UnionBank cards
• Unlimited airport lounge access via Priority Pass
• Free ₱10M travel insurance coverage
• VIP assistance for travel bookings, hotel reservations, and concierge services

Quick Specs:

• Annual Fee: ₱6,000 (waived for the first year)
• Minimum Income: ₱80,000/month
• Ideal For: Luxury travelers who want exclusive privileges.

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How UnionBank Travel Rewards Work

When you use your UnionBank travel credit card:

• Every purchase earns reward points or miles.
• Points can be redeemed for flights, hotel stays, and travel perks.
• Higher-tier cards offer better miles conversion and exclusive upgrades.

Tip: If you travel often, choose a card that offers the best miles-per-peso ratio to maximize your benefits.

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Eligibility & Requirements for First-Time Applicants

Basic Requirements:

• Must be 21 to 65 years old
• Filipino citizen or foreigner with a valid Philippine address
• Minimum monthly income starts at ₱15,000
• Must have a valid government-issued ID and proof of billing

Required Documents:

For employed applicants:

• Latest payslip or COE
• Valid ID
• Proof of billing

For self-employed applicants:

• Business registration documents
• Latest ITR or audited financial statements
• Proof of billing

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How to Apply for a UnionBank Travel Credit Card

Step 1 — Choose the Right Card

Pick a travel card based on your budget, lifestyle, and travel frequency.

Step 2 — Prepare Your Documents

Double-check your requirements before submitting your application.

Step 3 — Submit Your Application

Apply via UnionBank branches or through their official online portal.

Step 4 — Wait for Approval

Processing typically takes 5–7 banking days if documents are complete.

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Calculate Your Monthly Credit Card Cost

Before applying, make sure you understand your payment responsibilities.

Use the Credit Card Cost Calculator to:

• Estimate your monthly amortization
• Calculate potential interest charges
• Manage your travel budget effectively

This helps avoid hidden charges and unnecessary debt.

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Tips for First-Time UnionBank Travel Card Users

• 💡 Pay on time to maintain a good credit score
• 💡 Always pay in full to avoid interest
• 💡 Use your miles strategically — book early for cheaper flights
• 💡 Check for travel promos from airline and hotel partners
• 💡 Use the calculator to track and manage spending

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TL;DR (Too Long; Didn’t Read)

Card Name	Best For	Miles/Cashback	Annual Fee	Travel Perks
Miles+ Platinum Visa	All-around miles	1 mile / ₱25	₱3,000	Free lounge + insurance
Cebu Pacific Gold	Budget flights	1 Go Rewards / ₱200	₱2,000	Priority boarding
Platinum Mastercard	International trips	1 pt / ₱30	₱3,500	Global lounge + ₱5M insurance
Rewards Gold Visa	Flexible rewards	3x points	₱2,500	Convert points to miles
Visa Infinite	Luxury travel	1 mile / ₱20	₱6,000	Unlimited lounge + ₱10M insurance

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FAQs

1. What’s the best UnionBank travel credit card for beginners?

The UnionBank Cebu Pacific Gold Credit Card is the easiest to apply for with a low income requirement.

2. Do UnionBank travel cards include free travel insurance?

Yes. Most premium UnionBank travel cards include coverage from ₱5M to ₱10M.

3. Can I use UnionBank travel cards abroad?

Absolutely! UnionBank cards are globally accepted with low foreign conversion rates.

4. How do I earn and redeem miles?

Simply use your card for purchases — your points or miles are automatically credited and redeemable for flights, hotels, and upgrades.

5. Can first-time credit card users get approved easily?

Yes. As long as you meet the income requirement and have complete documents, approval is faster than expected.