Co-branded UnionBank Credit Cards You Should Know About (Airline, Retail, etc.)

✈️ Introduction: What Are Co-branded Credit Cards and Why They Matter

If you’ve ever shopped at a favorite store or booked flights with a partner airline and saw an offer for a special credit card — that’s a co-branded credit card.

Co-branded cards are partnerships between UnionBank and major brands like Cebu Pacific, Philippine Airlines, and retail giants. They’re designed to reward you for loyalty — whether you love traveling, shopping, or dining out.

For first-time credit card users in the Philippines, these cards make spending feel rewarding because every purchase gives you points, miles, or exclusive perks from the brands you already love.

Let’s explore the best co-branded UnionBank credit cards available today — their benefits, requirements, and who each one is best for.

💳 What Is a Co-branded Credit Card?

A co-branded credit card is a special type of card where a bank partners with a brand — such as an airline, retail chain, or lifestyle company — to offer tailored rewards and promos.

For example:

Use your airline co-branded card to earn miles faster.
Use a retail co-branded card to get discounts and cashback.
Or use a lifestyle card to enjoy perks like dining deals or VIP access to events.

It’s like having a membership card and credit card in one — giving you the best of both worlds.

✈️ Airline Co-branded Cards by UnionBank

1. Cebu Pacific Gold Credit Card

Best for: Frequent domestic and regional travelers

This is one of the most popular airline co-branded cards in the Philippines, especially among budget travelers.

Key Benefits:

Earn 1 Go Rewards Point per ₱100 spent
Bonus points when booking Cebu Pacific flights
Priority boarding and exclusive promos
Access to seat sales before the public

Why it’s great for beginners:
You don’t have to travel abroad to enjoy the perks — domestic travelers can use this card for daily spending and still earn flight rewards.

Income requirement: ₱30,000/month
Annual fee: ₱2,500

2. Cebu Pacific Platinum Credit Card

Best for: Frequent flyers who want added protection and benefits

If you fly regularly for business or family trips, this version offers more premium perks.

Key Benefits:

Free travel insurance up to ₱10 million
Bonus Go Rewards Points on flight bookings
Access to travel assistance hotline
Ideal for both business and leisure travelers

Why it’s worth upgrading:
It offers peace of mind with travel protection while earning faster Go Rewards Points — perfect if you take multiple flights yearly.

Income requirement: ₱50,000/month
Annual fee: ₱3,000

3. Philippine Airlines Mabuhay Miles Platinum Card

Best for: Regular international travelers and PAL loyalists

UnionBank’s partnership with Philippine Airlines (PAL) brings world-class travel rewards to Filipinos who frequently fly abroad.

Key Benefits:

Earn 1 Mabuhay Mile per ₱45 spent
Free travel insurance
Priority check-in and seat upgrades
PAL promos and exclusive booking discounts

Ideal for: Business owners or professionals who travel internationally for meetings, training, or leisure.

Income requirement: ₱60,000/month
Annual fee: ₱3,500

🛍️ Retail Co-branded Cards by UnionBank

4. UnionBank Go Rewards Gold Card

Best for: Everyday shoppers and lifestyle spenders

This is the perfect choice if you shop regularly at partner merchants that accept Go Rewards, including Robinsons and other retail brands.

Key Benefits:

Earn Go Rewards Points on groceries, fuel, and dining
Redeem points for discounts or freebies
Accepted worldwide
Easy online redemption via the Go Rewards app

Why small spenders love it:
It helps maximize everyday purchases — groceries, coffee runs, even online shopping.

Income requirement: ₱30,000/month
Annual fee: ₱2,000

5. UnionBank Play Everyday Visa Card

Best for: Young professionals and digital shoppers

This lifestyle-focused card rewards fun — whether you spend on streaming, gadgets, or online stores.

Key Benefits:

Earn points for every ₱10 spent online
Redeem rewards or cashback
Monthly raffle promos for loyal users
Great for entertainment and subscription spending

Ideal for: Gen Z or millennial users who want flexible rewards on modern lifestyle spending.

Income requirement: ₱20,000/month
Annual fee: ₱1,500

🏨 Lifestyle and Specialty Co-branded Cards

6. UnionBank Shell Citi Card (Transitioned)

While Citi’s partnership has transitioned, UnionBank continues to offer fuel-related rewards and may launch updated co-branded fuel cards soon.

Why it matters:
Fuel spending is one of the biggest expenses for small businesses and daily commuters — co-branded cards like these can save you thousands yearly.

🧠 Why Choose a Co-branded UnionBank Card?

Here’s why these cards stand out for Filipinos:

Tailored rewards — Points or miles tied directly to your spending habits.
Exclusive discounts — Get early access to sales or seat promos.
Global use — Accepted in millions of merchants worldwide.
Strong brand trust — UnionBank partners only with established, reliable brands.
Value for every purchase — Earn while spending on what you already love.

💰 Use This Tool Before You Apply

Before deciding which co-branded card suits you, it’s smart to estimate your total yearly card cost — including annual fees, interest (if unpaid), and how much you can save with rewards.

👉 Try the Credit Card Cost Calculator to easily compute how much your chosen UnionBank card may cost and whether your spending habits match the rewards.

It’s especially helpful for first-time cardholders who want to spend wisely and avoid unnecessary fees.

⚙️ How to Apply for a UnionBank Co-branded Card

The process is simple and online-friendly — perfect for busy professionals or entrepreneurs.

Basic Requirements

Filipino citizen or resident
At least 18 years old
Proof of income (payslip, ITR, COE, or business permit)
Valid government-issued ID

For Self-employed or Business Owners

DTI or SEC registration
Latest financial statements or bank records
Minimum income depending on the card type

Steps to Apply

Choose your preferred co-branded card.
Prepare required documents.
Apply online via UnionBank’s website or visit a branch.
Wait for evaluation and approval (usually within a few business days).

💡 Tip: Having a clean financial record and maintaining good standing with other banks improves approval chances.

⚠️ Common Mistakes First-time Cardholders Make

Applying for too many cards at once — it can lower your approval odds.
Missing payments — interest rates can snowball quickly.
Ignoring annual fees — always compute if rewards outweigh costs.
Not reading terms and conditions — understand your card’s rules and benefits.
Overspending just to earn points — rewards should work for you, not the other way around.

🧾 TL;DR — Quick Comparison Table

Card	Type	Best For	Key Benefit	Annual Fee
Cebu Pacific Gold	Airline	Budget travelers	Earn Go Rewards points	₱2,500
Cebu Pacific Platinum	Airline	Frequent flyers	Travel insurance + fast points	₱3,000
PAL Mabuhay Miles Platinum	Airline	International travelers	Earn miles, travel perks	₱3,500
Go Rewards Gold	Retail	Shoppers	Points on groceries & dining	₱2,000
Play Everyday Visa	Lifestyle	Digital users	Points on online purchases	₱1,500

💡 Use the Credit Card Cost Calculator to compare annual fees and savings before choosing your card.

🙋‍♀️ Frequently Asked Questions (FAQs)

1. What is a co-branded credit card?
It’s a credit card created through a partnership between UnionBank and a specific brand like Cebu Pacific or Go Rewards, offering exclusive rewards tied to that brand.

2. Can I apply for more than one co-branded card?
Yes, as long as you meet the income requirements and can manage multiple cards responsibly.

3. What is the easiest UnionBank co-branded card to get?
The Cebu Pacific Gold or Go Rewards Gold cards are beginner-friendly options with moderate income requirements.

4. Can I still earn rewards even if I don’t use the partner brand often?
Yes, but you’ll maximize points if you use it regularly at partner merchants or services.

5. How do I know which co-branded card suits me best?
Think about where you spend most — flights, groceries, or online purchases — then pick the card that rewards those expenses the most.

🏁 Final Thoughts

UnionBank’s co-branded credit cards offer something for every lifestyle — from budget travelers to daily shoppers. Whether you’re collecting miles, earning points, or simply enjoying exclusive perks, there’s a UnionBank card that matches your habits.

💡 Before applying, use the Credit Card Cost Calculator to estimate your total cost and ensure you’re picking the one that fits your budget and lifestyle perfectly.

Because when used wisely, the right co-branded card doesn’t just spend — it saves, rewards, and empowers.

Co-branded UnionBank Credit Cards You Should Know About (Airline, Retail, etc.)