How to Track and Use UnionBank Rewards via the App

Your step-by-step guide to checking, managing, and redeeming your UnionBank Credit Card rewards—all from your phone.

🟧 Introduction: Turn Every Swipe into Real Rewards

Every time you use your UnionBank Credit Card, you earn reward points. Pero—how do you actually see those points and use them? Many first-time cardholders don’t realize na sayang ang points if you forget to track or redeem them.

Good news! UnionBank makes it simple to monitor and redeem your rewards directly through the UnionBank Online App. Whether you want shopping credits, air miles, or cashback, everything can be done in just a few taps.

This guide walks you through the full process—how to check your balance, how to redeem, and how to make the most out of your UnionBank rewards.

🟪 What Are UnionBank Rewards?

UnionBank Credit Card Rewards are points you earn every time you spend using your credit card. These points can later be converted into:

Gift certificates (GCs)
Air miles
Cashback credits
Shopping or dining vouchers

The reward system depends on your card type:

UnionBank Rewards Card / Miles+ Card → earns reward points or miles
UnionBank Cash Back Card → earns a percentage of spending back as cash credit

💡 Example:
If you spend ₱10,000 on groceries using your UnionBank Rewards Card, and your card gives 1 point per ₱20 spent, you earn:
₱10,000 ÷ ₱20 = 500 points.
You can later use these points for shopping, travel, or as statement credits.

🟩 Step-by-Step: How to Track Your UnionBank Reward Points via the App

Step 1: Open the UnionBank App

Download and install the UnionBank Online App from the App Store or Google Play.
Log in using your registered email or mobile number.

Step 2: Go to Your Credit Card Dashboard

Once logged in, tap on your Credit Card Account from the home screen.
You’ll see your card balance, due date, and Reward Points Balance at a glance.

💡 Tip: If you have multiple cards (for example, Rewards Card and Miles+ Card), select each one to see its individual reward balance.

Step 3: Check Your Points Summary

Under your card details, tap “Rewards” or “View Points.”
Here, you’ll find:

Total Reward Points earned
Expiry date of your points
History of points earned and redeemed

📱 Sample Screen Example:
“Reward Points: 2,450 (Expiring: Dec 31, 2026)”

This helps you track when to redeem before your points expire.

🟨 How to Redeem Your UnionBank Reward Points via the App

Once you know your balance, redeeming is easy.

Step 1: Tap “Redeem Rewards”

Inside your credit card menu, choose Redeem Rewards.

Step 2: Browse Available Rewards

You’ll see different categories such as:

Shopping Vouchers
Travel Miles
Dining
Electronics
Cashback Credits

Step 3: Select and Confirm

Pick your desired reward and tap “Redeem Now.”
Confirm your redemption and wait for the confirmation message.

🧾 Example Scenario:
Let’s say you have 5,000 points.
You choose “SM Gift Certificate – ₱500” (worth 5,000 points).
After confirmation, you’ll receive an SMS or email about how to claim your GC.

🟦 Example: Turning Your Spending into Real Rewards

Let’s see how it looks in practice.

Example:

Monthly groceries: ₱10,000
Dining and coffee: ₱5,000
Gas and transportation: ₱3,000
Online shopping: ₱7,000

Total Monthly Spend: ₱25,000

If your card earns 1 point for every ₱20 spent, then:
₱25,000 ÷ ₱20 = 1,250 reward points per month.

After 12 months, that’s 15,000 points—enough for:

₱1,500 worth of shopping vouchers or
Travel miles for one domestic flight or
Cashback credits to your next billing statement

📱 You can see and redeem all these directly through the UnionBank App.

🟧 Pro Tip: Calculate Your Spending vs. Rewards

Wondering how much value you’re really getting?
You can use the Credit Card Cost Calculator to estimate your spending, interest costs, and reward benefits.

This helps you manage your card use wisely—so you maximize your rewards without paying unnecessary interest.

🟫 Benefits of Using the UnionBank App for Rewards

✅ Real-Time Tracking – No more guessing your points; you’ll see updates after every transaction.
✅ Faster Redemption – Redeem instantly without calling customer service.
✅ Reward Variety – Choose between GCs, cashback, or air miles based on your lifestyle.
✅ No Missed Expiry – The app notifies you before points expire.
✅ Secure and Convenient – All redemptions are authenticated through your account login.

🟥 Common Issues & How to Fix Them

Problem	Cause	Solution
Points not updating	Delay from merchant posting	Wait 2–3 business days for transaction posting
Can’t redeem reward	Minimum points not reached	Accumulate more points before redeeming
Expired points	Passed expiry date	Always check “Expiry” tab under Rewards
App not showing rewards	Outdated app version	Update UnionBank app to the latest version
Incorrect redemption	Accidental selection	Contact UnionBank hotline immediately for assistance

🟦 Tips to Maximize Your UnionBank Rewards

Use your card for everyday spending.
Grocery, gas, bills—each swipe earns points!
Combine small purchases.
Instead of cash, use your card for low-cost daily needs to accumulate faster.
Take advantage of promos.
UnionBank sometimes offers double points on certain categories like travel or dining.
Redeem before expiry.
Reward points usually expire within 2–3 years. Set reminders in your app calendar.
Pay on time.
Paying your bill in full avoids interest charges that can wipe out your reward value.

🟩 Real-Life Example: “Anna’s 1-Year Reward Journey”

Anna is a first-time UnionBank credit cardholder who spends ₱20,000 monthly.
After one year, she earns 12,000 points.

She checks her app and sees:
“Reward Points Balance: 12,000 – Expiring Dec 2026”

She redeems ₱1,000 in shopping vouchers from the app.
Because she pays her card in full each month, she enjoys the full benefit—no interest, all rewards.

🟧 TL;DR (Too Long; Didn’t Read)

You can check and redeem your UnionBank Reward Points directly from the UnionBank App.
Go to your Credit Card > Rewards to view balance, expiry, and redemption options.
Earn points from daily purchases like groceries, dining, and travel.
Redeem for cashback, GCs, or air miles anytime.
Use the Credit Card Cost Calculator to check your spending vs. benefits.

🟨 Frequently Asked Questions (FAQs)

1. How do I check my UnionBank reward points?
Open the UnionBank App, tap your credit card, and check “Rewards” or “View Points.”

2. Do UnionBank reward points expire?
Yes. Usually after 2–3 years, depending on the card type. Always check the expiry date in the app.

3. Can I redeem points for cash?
Yes! Many UnionBank cards allow redemption as cashback or statement credits.

4. Why didn’t my points appear yet?
It can take 2–3 business days after a transaction posts before points reflect in your account.

5. Can supplementary cardholders earn points too?
Yes, their transactions also earn points—but they’re credited to the primary cardholder’s account.

6. How many points do I need for an air mile redemption?
It varies by airline partner, but typically 5,000–10,000 points = 1,000–2,000 miles.

🏁 Final Thoughts

Your UnionBank Credit Card is more than just a spending tool—it’s a rewards generator.
By tracking your points and redeeming through the app, you make every swipe more valuable.

So next time you buy groceries, gas, or book flights, remember—each purchase brings you closer to your next reward.

Use your card wisely, monitor your points regularly, and check how your spending adds up using the
👉 Credit Card Cost Calculator

Earn smart. Spend smarter. Reward yourself with UnionBank.

How to Track and Use UnionBank Rewards via the App