Exclusive UnionBank Credit Card Dining Promos You Shouldn’t Miss

UnionBank Credit Cards often come with exclusive dining promos — from cashback and discounts at top restaurants to buy-1-take-1 offers and points-based rewards. This guide explains the best UnionBank dining promos, how to enjoy them, and why credit cards can make your dining experiences more rewarding.

Why Dining Promos Matter for Credit Card Users

For first-time credit card users, dining promos are one of the easiest and most enjoyable ways to maximize your card’s benefits. Imagine eating at your favorite restaurant and getting 10% cashback or earning points you can use later for free meals — that’s the power of a well-chosen credit card.

UnionBank is known for partnering with hundreds of restaurants, cafés, and food delivery services nationwide. These promos change throughout the year but always focus on giving cardholders more value for every swipe.

If you’re new to credit cards, dining promos help you:

Save money on regular meals or special celebrations.
Try premium restaurants without overspending.
Earn points that can be converted into miles or vouchers.

What Is a Credit Card and How Does It Work?

A credit card lets you borrow money from the bank up to a set limit to pay for goods or services. You repay the amount later — either in full or through monthly installments.

When you use a UnionBank credit card for dining, the restaurant charges UnionBank instead of taking cash from you. You’ll then pay UnionBank back when your billing statement arrives.

This system is simple once you understand it:

Swipe or tap your card when paying at a restaurant.
UnionBank pays the merchant.
You pay UnionBank later (either full or partial payment).

UnionBank also rewards your spending through points, cashback, or discounts, depending on your card type.

UnionBank Credit Cards with the Best Dining Benefits

UnionBank offers several cards designed for different lifestyles. Here are the most popular ones for dining and food lovers:

UnionBank Rewards Credit Card

Perfect for frequent diners. You earn 1 point for every ₱30 spent, and points can be redeemed for dining vouchers or airline miles.

Highlight promos:

Up to 50% off at partner restaurants during “UnionBank Dining Delights” events.
Bonus rewards when you spend on weekends.

UnionBank Platinum Visa

Ideal for fine dining and premium experiences. You get exclusive invites to curated events and priority reservations at selected partner restaurants.

Highlight promos:

Complimentary wine at participating fine-dining partners.
Year-round discounts at hotel buffets and luxury cafés.

UnionBank Cash Back Card

A practical choice if you want real savings every time you eat out. Earn up to 6% cashback on dining and grocery transactions.

Highlight promos:

Weekly cashback bonuses for minimum ₱5,000 dining spend.
Rebates credited automatically to your statement balance.

UnionBank Miles+ Card

If you love travel as much as dining, this card gives you 1 mile per ₱25 spent on restaurants and travel bookings.

Highlight promos:

Dining promos that double as travel rewards.
Airport lounge access with food perks.

Top UnionBank Dining Promos You Shouldn’t Miss

UnionBank updates its dining promos regularly, but some deals are so popular they return every year. Here are examples of dining offers you’ll typically find:

1. Up to 50% Off at Partner Restaurants

Enjoy discounts at top hotels like Spiral (Sofitel), Café Ilang-Ilang, and The Pantry at Dusit Thani.

Example:

Dine two, pay for one — available during UnionBank’s “Gastronomy Festival” promos.

2. Cashback on Delivery and Food Apps

If you prefer dining at home, UnionBank cards often offer cashback or bonus points when ordering via GrabFood, foodpanda, or Pick.A.Roo.

3. Birthday Dining Treats

Some UnionBank cards offer birthday month discounts or free desserts at partner restaurants.

4. Dining Rewards Points Multiplier

Earn 2x or 3x points when you dine on weekends or during special promo periods.

5. Holiday and Valentine Specials

UnionBank frequently releases seasonal dining promos during holidays like Christmas, Valentine’s, and Mother’s Day — great for special celebrations.

How to Enjoy These Dining Promos

Follow these steps to maximize your benefits:

Check active promos.
Visit UnionBank’s official promos page or check your email for announcements.
Reserve early.
Many partner restaurants require prior booking to qualify for the discount.
Use the right card.
Some promos are limited to specific card types (like Platinum or Miles+).
Pay with your UnionBank card.
Always mention that you’ll be using a UnionBank credit card before the bill arrives.
Track your spending.
Use your Credit Card Cost Calculator to estimate your dining budget and avoid overspending.

👉 Try the Credit Card Cost Calculator here:
Credit Card Cost Calculator

It’s a free tool that helps you see how much interest or monthly cost you might pay depending on your dining and other spending habits.

Benefits of Using a Credit Card for Dining

For new users, dining promos are just the start. UnionBank credit cards also give you:

Convenience: No need to carry large cash amounts.
Rewards: Earn points, miles, or cashback on every meal.
Safety: Disputes are easier to resolve than with cash transactions.
Budget tracking: View all your dining expenses in one statement.
Exclusive access: Some restaurants only honor bank partners like UnionBank for their premium deals.

Example:

Instead of paying ₱5,000 for a buffet dinner, you might pay only ₱3,500 — and still earn points for your next trip.

How to Apply for a UnionBank Credit Card

If you don’t have a UnionBank credit card yet, applying is simple. Here’s what you need to know:

Basic Requirements

At least 18 years old
Filipino resident or foreigner with local residence
Minimum annual income (varies per card type)
Valid government ID
Proof of income (payslip or ITR)

Application Process

Visit the UnionBank website or nearest branch.
Fill out the credit card application form.
Submit required documents.
Wait for approval via SMS or email.
Once approved, activate your card and start exploring dining promos.

UnionBank sometimes pre-approves accounts if you already have a UnionBank savings account or a good credit history — so check if you’re eligible before applying.

Smart Tips for First-Time Credit Card Users

Start small: Use your card mainly for essentials or small dining bills.
Pay on time: Avoid interest by paying your full balance before the due date.
Know your limit: Don’t spend more than 30% of your credit limit.
Track promos: UnionBank regularly updates offers via email and the UnionBank Online App.
Use the calculator: Always check your spending impact using the Credit Card Cost Calculator.

Common Issues and How to Avoid Them

1. Missing the promo period:
Always check validity dates. Many promos are seasonal or have limited slots.

2. Incorrect card used:
Some discounts apply only to specific card types (e.g., Platinum Visa).

3. Not meeting the minimum spend:
Most promos require a minimum single-receipt transaction (₱2,000–₱3,000).

4. Forgetting to mention the promo:
Tell the waiter or cashier you’re using a UnionBank credit card promo before billing.

5. Overspending due to promos:
Use your calculator tool to set a budget and avoid dining debt traps.

Final Thoughts

UnionBank dining promos are an excellent way for beginners to experience the benefits of credit cards without feeling overwhelmed. Whether you love fancy buffets, cozy cafés, or food deliveries, your UnionBank card can make every meal more rewarding.

Before your next food trip, check the latest UnionBank dining promos and plan your budget using the Credit Card Cost Calculator — so you can enjoy every bite with peace of mind.

FAQs

1. How often does UnionBank release new dining promos?
Usually every quarter, with special editions during holidays or major events.

2. Do all UnionBank cards qualify for dining discounts?
Not always. Some promos are exclusive to specific card types like Platinum or Miles+.

3. Can I use my dining promo for delivery apps?
Yes, many promos now include GrabFood and foodpanda orders.

4. Are there minimum spend requirements?
Yes. Most promos need a minimum spend of around ₱2,000 to ₱3,000 in one transaction.

5. How can I check my active promos?
Log in to your UnionBank Online App or visit the official UnionBank promotions page for updated offers.

Exclusive UnionBank Credit Card Dining Promos You Shouldn’t Miss