How to Combine UnionBank Promos with Other Discounts

How Smart Cardholders Save Twice

Ever wondered if you can stack promos — like using a UnionBank credit card discount and a store sale at the same time?
Good news: Yes, you often can!

For many first-time credit card users, this is one of the best “money hacks” to maximize every swipe. Knowing how to combine discounts smartly means you can save hundreds (or even thousands) of pesos per month — especially if you shop, eat out, or travel often.

Think of it like this: “Instead of one discount, why not get two?” UnionBank credit cards allow you to enjoy bank promos + store sales + app vouchers, as long as you follow some smart strategies.

💳 Understanding How UnionBank Promos Work

UnionBank runs exclusive promos with partner brands — from restaurants to online shops and travel sites. These may include:

Discounts (e.g., 10% off at Conti’s or Zalora)
Cashback (e.g., ₱200 back after ₱2,000 spend)
Freebies or rewards (e.g., free dessert or lounge access)

When combined properly with merchant sales or voucher codes, these benefits can multiply your savings.

🧩 What Does “Combining Discounts” Mean?

Combining discounts means you’re taking advantage of multiple ongoing offers from different sources — usually:

UnionBank’s own promo, and
The merchant’s or platform’s sale, like Shopee’s 11.11 or Lazada’s Mega Sale.

Example:

You’re buying shoes worth ₱3,000 on Zalora.

Zalora Sale = 20% off (₱600 saved)

UnionBank Promo Code = ₱300 off when using UnionBank Credit Card
✅ Total savings: ₱900

🛒 Where You Can Combine Promos

1. Online Stores (Shopee, Lazada, Zalora)

These platforms often have multiple discount layers:

Platform voucher (e.g., ₱200 off ₱1,500)
Seller discount (e.g., 10% off specific items)
UnionBank card promo (e.g., ₱100 off ₱1,000)

💡 Tip: Always apply your UnionBank voucher last, as platform systems prioritize store and seller discounts first.

2. Restaurants & Cafes

You can combine:

A UnionBank dining promo (like 10% off total bill)
A restaurant membership discount (e.g., Bistro Card or loyalty app points)

Example: If you dine at Italianni’s with a ₱2,000 bill, and you have both a Bistro Card (20% off) and a UnionBank 10% promo:

Bistro Card saves ₱400

UnionBank saves ₱160 (on the discounted bill)
✅ Final bill: ₱1,440 — total savings ₱560

3. Travel & Hotels

Use your UnionBank card for:

Airline flash sales (like Cebu Pacific’s Piso Fare)
UnionBank partner hotel discounts (e.g., 10% off Agoda bookings)
Cashback offers on travel spend

Example:

₱10,000 flight + ₱5,000 hotel = ₱15,000 total

Airline sale saves ₱3,000

UnionBank 10% travel cashback = ₱1,200
✅ Total savings: ₱4,200

⚙️ Rules You Need to Know Before Combining

🧾 1. Check Promo Terms

Always read the fine print. Some promos clearly state:

“Not valid with other discounts or vouchers.”
In that case, you can’t stack them. But if there’s no mention, you can usually combine.

🗓️ 2. Match Valid Dates

Both promos must be active at the same time — no overlap, no savings.

💳 3. Eligible Cards Only

Some promos apply only to specific cards (e.g., UnionBank Rewards Visa Platinum). Always verify your card type before checkout.

💰 4. Meet the Minimum Spend

Promos often require minimum purchases (₱1,000–₱5,000).

Example: If the UnionBank promo says “₱300 off ₱3,000 spend,” and your cart is ₱2,900, you won’t qualify — even if another discount applies.

🧮 Estimate How Much You’ll Actually Pay

Before making big purchases, you can use the Credit Card Cost Calculator to estimate:

Monthly payments if you don’t pay in full
Interest rates
Total repayment cost

Example Calculation:
If you spend ₱10,000 and pay only the minimum ₱500 per month at 3% monthly interest:

You’ll pay roughly ₱1,800 in interest over a year.
But if you pay in full, you avoid all interest — and your ₱900 combined discounts are pure savings.

💡 Tip: Combining discounts works best only if you pay your balance in full. Otherwise, interest eats up your savings.

🎯 Benefits of Combining UnionBank Promos and Discounts

Benefit	Description	Real-Life Example
Maximized Savings	Stack promos from both bank and merchant	₱900 off ₱3,000 Zalora purchase
Earn Rewards Faster	Get points or cashback even on discounted purchases	Earn 300 points from ₱9,000 spend
Budget Efficiency	Spend less but enjoy more	Save ₱500–₱1,000 monthly
Smarter Spending Habits	Encourages strategic buying	Buy during promo overlap periods

🧠 Real-Life Strategy Example

Scenario: You want to buy a ₱15,000 smartphone.

Store Sale = ₱2,000 off

UnionBank Promo = ₱1,000 cashback for ₱10,000+ spend

Credit Card Points = 150 points (₱45 value)

💸 Total Effective Savings = ₱3,045

Now imagine doing that for 5 major purchases a year — that’s ₱15,000 saved just by stacking promos!

🚫 Common Mistakes to Avoid

Using expired vouchers – Always double-check validity before checkout.
Mixing digital wallets – UnionBank promos often apply only for direct card payments, not via GCash or PayMaya.
Ignoring eligibility – Some promos require online registration (e.g., “Click to join promo”).
Late payments – One missed due date can wipe out your entire month’s savings through late fees and interest.
Impulse spending – Don’t buy just because it’s discounted. Always plan your expenses.

📱 How to Track and Combine Promos Efficiently

Use the UnionBank App:
- Go to the “Promos” tab to see ongoing offers.
- Save your favorites before shopping or booking.
Set Calendar Reminders:
- Promo periods can be short (often 2–4 weeks).
- Add alerts so you don’t miss double-discount opportunities.
Keep an Eye on Monthly Emails:
- UnionBank sends promo roundups at the start of each month.
Test at Checkout:
- Try applying both vouchers. If one fails, you’ll see which discount the system prioritizes.

✅ TL;DR (Summary for Busy Readers)

You can combine UnionBank promos with store discounts, app vouchers, or loyalty rewards to save more.
Always check the promo terms, dates, and card eligibility.
Use the Credit Card Cost Calculator to estimate your spending and interest.
Pay your bill in full to make your savings real.
Smart stacking = smarter spending.

🧭 FAQs

1. Can I combine UnionBank discounts with online vouchers?
Yes, as long as neither promo explicitly forbids combination. Apply store vouchers first, then the UnionBank promo.

2. Are UnionBank promos available all year round?
They change monthly — check your app or email for new offers.

3. Do I still earn rewards if I use a promo?
Yes. UnionBank still gives points or cashback even when using partner promos.

4. Can I combine promos with 0% installment offers?
Usually yes, but some promos exclude installment purchases. Read the promo details.

5. What’s the best way to find promo combinations?
Check the UnionBank app’s “Promos” tab and compare them with active sales on Lazada, Shopee, or your favorite restaurant.

How to Combine UnionBank Promos with Other Discounts