How to Earn and Redeem UnionBank Credit Card Reward Points
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How to Earn and Redeem UnionBank Credit Card Reward Points
UnionBank credit cards let you earn reward points every time you spend, which you can later redeem for travel, shopping, or cash rebates. The more you use your card for everyday purchases, the faster your points accumulate — especially if you pick the right UnionBank card type that matches your lifestyle.
Introduction
Ever wonder how people get free flights or discounts just by spending with their credit card? That’s the magic of reward points — and if you have (or plan to get) a UnionBank Credit Card, you can enjoy this too.
For first-time credit card users, understanding how to earn and redeem reward points is key to maximizing your card’s benefits. Instead of just spending, you’re actually getting something back — every swipe counts toward a reward.
Let’s break down how UnionBank’s reward system works, which cards offer the best earning potential, and how you can redeem your points easily.
How Credit Card Reward Points Work
Before we focus on UnionBank, let’s start simple:
When you use your credit card for payments, the bank gives you points based on how much you spend. For example, you might earn:
1 point for every ₱20 spent
Or 3 points for every ₱20 spent on certain categories like travel or dining
Once you accumulate enough points, you can redeem them for:
Gift vouchers
Airline miles
Cash credits
Shopping discounts
Think of it like a rewards piggy bank — every transaction adds to your total until you’re ready to “withdraw” something valuable.
Earning UnionBank Reward Points
1. Regular Spending
Every purchase you make with your UnionBank Credit Card earns points. Typical conversion rates are:
1 point for every ₱20 local or international spend
2x or 3x points on special categories like travel, fuel, or dining (depending on the card)
đź’ˇ Tip: Always check your monthly statement to track your total points.
2. Bonus Points and Promos
UnionBank often runs limited-time promos where you can earn extra points for certain types of spending, like booking travel or shopping online. If you frequently use your card for everyday needs — groceries, bills, and gas — these promos can multiply your earnings fast.
3. Supplementary Cards Count Too
If your family members have supplementary cards, their spending also contributes to your main rewards balance. That means you can reach your redemption goals faster just by sharing card access with your household.
Redeeming Your UnionBank Reward Points
Step 1: Check Your Available Points
You can see your reward balance through:
Your UnionBank Online account
The UnionBank app
Or by checking your monthly statement
Step 2: Choose Your Reward Type
UnionBank offers different ways to redeem your points:
🛫 Travel and Airline Miles
Convert your points into airline miles for Cebu Pacific, Philippine Airlines, or other partner airlines — perfect if you love traveling.
🛍️ Shopping and Gift Certificates
Exchange your points for vouchers from top retailers, malls, and restaurants across the Philippines.
đź’¸ Cash Rebates or Statement Credits
Prefer savings? Convert your points to cash credit that goes directly toward your next billing cycle — lowering what you need to pay.
Step 3: Redeem Online
Once you’ve chosen your reward, simply redeem through UnionBank’s website or app. Your points will be deducted automatically, and you’ll receive confirmation once your reward is processed.
How to Maximize Your UnionBank Reward Points
1. Match Your Card to Your Lifestyle
UnionBank has several credit cards — each designed for specific spending habits.
Card Type
Ideal For
Points Per ₱20 Spend
UnionBank Rewards Credit Card
Everyday spending
1 point
UnionBank Miles+ Card
Travelers
Up to 3 points
UnionBank Platinum Mastercard
Premium lifestyle
1.5–3 points
UnionBank Gold Card
Balanced users
1 point
UnionBank Co-Branded Cards (e.g., Cebu Pacific, Go Rewards)
Frequent flyers, shoppers
Miles or store points
If you’re a frequent flyer, the Miles+ Card or Cebu Pacific Card gives the best returns. If you spend mostly on daily expenses, the Rewards Credit Card might suit you better.
2. Pay in Full Every Month
To truly benefit, avoid carrying a balance. If you don’t pay in full, the interest you’ll pay could outweigh the value of the points you earn.
đź’ˇ Pro tip: Use the Credit Card Cost Calculator to estimate how much interest you might pay if you only make minimum payments. It helps you understand the real cost of using your card.
3. Use for Bills and Subscriptions
You can link your credit card to:
Meralco, Globe, Smart payments
Netflix, Spotify, or Grab subscriptions
These automatic monthly charges keep your points growing even for expenses you’re already making.
4. Watch for Expiry Dates
Reward points may expire after 2–3 years, depending on the card type. Always check your statement to avoid losing unused points.
Let’s say you spend ₱20,000 per month on your UnionBank Rewards Card.
Category
Spend
Points Earned
Groceries
₱8,000
400
Dining
₱4,000
200
Bills
₱5,000
250
Shopping
₱3,000
150
Total
₱20,000
1,000 points/month
That’s 12,000 points a year, enough to redeem for vouchers or cash rebates!
Common Questions About UnionBank Reward Points
Do UnionBank reward points expire?
Yes. Most points are valid for 2 to 3 years depending on your card type. Always check your card’s terms and your statement for expiry dates.
Can I transfer points to another card?
No, reward points are not transferable between different UnionBank accounts.
Can I use points to pay my balance?
Yes, if your card allows cash credit redemption, points can offset your next billing statement.
How much is 1 point worth?
Typically, 1 point = ₱0.25 to ₱0.50, depending on the redemption type (cash or vouchers).
How do I know if I’m earning the most points?
Choose a card that fits your spending pattern and join promos for bonus multipliers. Also, make sure to use your card for regular bills to keep earning monthly.
TL;DR Summary
UnionBank credit cards reward you for every peso you spend. To make the most of it:
With smart usage, your daily expenses can turn into real rewards — from flights to savings.
Final Thought: UnionBank’s reward system isn’t just about perks — it’s about turning your everyday spending into value. Whether you dream of traveling, shopping, or just saving more, your UnionBank Credit Card can be your best partner — as long as you use it wisely.
