Online shopping has become a part of everyday life in the Philippines — from Shopee sales to Lazada paydays, and even subscriptions like Netflix or Spotify. But here’s the truth: using the right credit card can make a big difference in your savings, cashback, and overall shopping experience.
If you’re planning to get your first UnionBank Credit Card, this guide will help you understand which card fits best for online purchases and how to maximize your benefits safely.
🛍️ Why You Need a Credit Card for Online Shopping
For first-time users, using a credit card might feel intimidating. But once you understand how it works, you’ll realize how powerful it can be:
Safe and convenient payments – You don’t need to share debit card info online.
Earn rewards or cashback – Every online purchase can earn you points or rebates.
Build credit history – Responsible use helps you qualify for bigger loans in the future.
Exclusive promos – UnionBank offers frequent discounts and perks with major e-commerce sites.
In short, a credit card is not just a spending tool — it’s also a financial advantage when used wisely.
đź’ł Best UnionBank Credit Cards for Online Shoppers
1. UnionBank Rewards Credit Card
Best for: Frequent online shoppers who want rewards for every peso spent.
Key features:
1 point for every ₱30 spend (local and online).
No cap on reward points.
Redeem points for shopping vouchers or airline miles.
Low annual fee, waived on the first year.
Why it’s great for online shopping: If you love to order from Shopee, Lazada, or book flights online, every transaction earns you rewards — making every checkout more rewarding.
2. UnionBank Lazada Credit Card
Best for: Lazada power shoppers.
Key features:
6x Lazada points for every ₱200 Lazada purchase.
1x point for all other spending.
Free shipping vouchers and special sale access.
Why it’s perfect: If you’re loyal to Lazada, this card was made exactly for you. It’s a partnership card, so all perks are focused on maximizing your Lazada purchases — from points to vouchers.
3. UnionBank Cash Back Credit Card
Best for: Practical users who prefer real cash savings.
Key features:
Up to 6% cashback on grocery and gas spending.
0.2% cashback on other purchases, including online.
No complicated points system — you get actual rebates.
Why it works for online buyers: Even though it’s not solely focused on e-commerce, this card is ideal if you mix online spending with everyday bills and groceries.
4. UnionBank Platinum Visa
Best for: Shoppers who love luxury brands and travel deals.
Key features:
Access to airport lounges.
Travel insurance coverage.
Exclusive Visa Signature offers and online shopping protection.
Why you’ll love it: Aside from premium perks, it comes with extra layers of protection for online transactions — perfect for those who shop internationally.
📦 Tips to Maximize Your Online Shopping with a UnionBank Credit Card
1. Use your card on verified online platforms
Stick to trusted websites like Lazada, Shopee, Zalora, or international brands with HTTPS-secured checkout.
2. Set spending alerts
UnionBank’s mobile app lets you monitor your spending in real time — a great habit for beginners.
3. Pay in full every month
Avoid interest by paying your full balance on or before the due date. This keeps your credit record clean and debt-free.
4. Check for promos
UnionBank frequently runs limited-time deals like 0% installment or cashback offers — perfect for sale events like 11.11 or 12.12.
🧮 Estimate Your Credit Card Spending
If you’re new to credit cards, it helps to estimate how much you’ll actually spend or pay in interest if you don’t pay in full. You can try a Credit Card Cost Calculator to understand how balances, interest, and payments affect your total bill.
It’s a simple way to learn how credit card interest works and to avoid overspending.
⚖️ Pros and Cons of Using a Credit Card for Online Shopping
Pros
Cons
Earn rewards and cashback
Interest charges if unpaid
Safe and secure transactions
Annual fees may apply
Promos and exclusive deals
Risk of overspending
Improves credit score
Late payment penalties
Tip: Always pay on time and only spend what you can pay back. Credit cards are tools for convenience — not instant cash.
đź•’ What to Expect When Applying for a UnionBank Credit Card
Requirements for most UnionBank credit cards:
Filipino citizen or resident aged 18–60
Minimum annual income: ₱180,000–₱600,000 (depending on card type)
Valid ID and proof of income (payslip, COE, or ITR)
Application process:
Fill out the online application form.
Submit income and identity documents.
Wait 5–7 banking days for approval.
Once approved, activate your card through the UnionBank app or hotline.
🧠TL;DR — Summary for Busy Readers
If you shop online often, choose a UnionBank card that gives you rewards or cashback for every purchase.
Best for rewards: UnionBank Rewards Credit Card
Best for Lazada buyers: UnionBank Lazada Credit Card
Best for savings: UnionBank Cash Back Card
Best for premium perks: UnionBank Platinum Visa
Remember to pay your bill in full, track spending, and take advantage of cashback and promo offers.
âť“ Frequently Asked Questions (FAQs)
1. What is the easiest UnionBank credit card to get approved for? The UnionBank Rewards Credit Card and Cash Back Card are beginner-friendly, especially if you meet the minimum income requirement.
2. How long does approval take? Usually between 5 to 7 banking days, depending on document completeness.
3. Can I use a UnionBank credit card on Shopee or Lazada? Yes, all UnionBank cards are accepted on major e-commerce platforms in the Philippines.
4. Do UnionBank credit cards have annual fees? Yes, but some cards offer free first-year annual fees or waive them with a minimum annual spend.
5. What happens if I miss a payment? You’ll incur interest and a late payment fee. Always pay on or before your due date to maintain a good credit standing.
âś… Final Thoughts
If you’re just starting with credit cards, UnionBank has beginner-friendly options that match your lifestyle — whether you love online shopping, collecting rewards, or simply want safe, cashless transactions.
Use your card wisely, track your spending, and make the most of every online checkout!
