Partner Stores Where You Can Get Discounts Using UnionBank Credit Cards

IWhy This Matters for First-Time Credit Card Users

Getting a credit card isn’t just about convenience—it’s about making your money work smarter. Many Filipinos don’t realize that credit cards, like those from UnionBank, can help you save money through exclusive discounts and partner promos.

Whether you love eating out, shopping online, or traveling, your UnionBank credit card can unlock perks that stretch your budget—as long as you know where to use it.

If you’re new to credit cards, think of it like this:

“Parang may kasamang discount card ang credit card mo—pero mas powerful, kasi pwede mo pang i-earn ng points at cashbacks habang nag-a-avail ng promo.”

🏬 What Are Partner Stores?

Partner stores are merchants and brands that have special tie-ups with UnionBank, offering cardholders discounts, freebies, or cashback when paying with their UnionBank credit cards.

These may include:

Restaurants (from fast food to fine dining)
Supermarkets and department stores
Online shops like Lazada and Shopee
Travel and hotel partners
Health and lifestyle stores

🍽️ UnionBank Partner Restaurants

Here’s where your next food trip can be more affordable.

Popular Restaurant Partners

Conti’s Bakeshop & Restaurant – Get up to 10% off when paying with your UnionBank Visa or Mastercard.
The Bistro Group (Italianni’s, TGIF, Buffalo Wild Wings) – Enjoy free appetizers or discounts on minimum spend promos.
Tim Ho Wan and Mendokoro Ramenba – Sometimes offer limited-time UnionBank-exclusive discounts.

Example:

Let’s say you spend ₱2,000 for a dinner with friends at Italianni’s.
With a 10% UnionBank discount, you save ₱200 instantly.
Imagine doing that four times a month—that’s ₱800 saved without effort!

🛍️ Retail & Lifestyle Partner Stores

Department Stores and Fashion

The SM Store – Get reward points for every ₱200 spent.
Uniqlo, Bench, Penshoppe – Participate in seasonal promos like “₱200 off for every ₱2,000 purchase.”

Supermarkets & Essentials

Landers Superstore and S&R Membership Shopping – Occasionally run exclusive UnionBank weekends with cashback offers.

Example:

You buy ₱5,000 worth of groceries at Landers during a promo weekend.
UnionBank offers 5% cashback, so ₱250 goes back to your account automatically.

🌐 Online Shopping Partners

UnionBank cards are also great for online transactions—safe, secure, and with discounts!

Example Partner Stores

Lazada & Shopee – Watch for UnionBank “Bank Voucher” promos, often ₱100–₱500 off minimum spends.
GrabFood & Foodpanda – Get ₱100 off when you use your UnionBank card for the first time or meet promo thresholds.
Zalora – Regular 20% off codes for UnionBank cardholders.

💡 Tip: Always check your UnionBank app or email notifications for “Ongoing Promos.” These change monthly!

✈️ Travel, Hotels, and Leisure Partners

UnionBank credit cards also come in handy for travel lovers.

Sample Partners

Cebu Pacific – Discounted base fares during tie-up promos.
Agoda – 10% off selected hotels when booking via special UnionBank pages.
Discovery Hotels and Astoria Group – Weekend getaway promos for cardholders.

Example:

If your weekend hotel costs ₱6,000, and UnionBank gives a 10% discount, that’s ₱600 saved. Combine it with reward points, and you’re getting more value for your trip!

💡 Why Use Partner Store Discounts

Benefit	What It Means	Example
Instant Savings	Discounts applied automatically at checkout	₱300 off at Zalora
Cashback	Money returned to your account	₱250 back on ₱5,000 groceries
Reward Points	Earned for every purchase	1 point per ₱30 spent
Exclusive Access	Early sale or private dining deals	Priority access at partner stores

Using your card smartly can help you save ₱2,000–₱5,000 per month depending on your lifestyle.

💰 Estimate Your Credit Card Costs

If you’re new to credit cards, you might be wondering, “How much will I really pay per month?”

Before spending, it’s best to estimate your credit card cost and monthly repayment using this free tool:

👉 Credit Card Cost Calculator

It helps you:

Compute monthly interest if you carry a balance
See total payment for specific spending habits
Plan repayments and avoid surprises

Pro tip: Always pay in full each month para walang interest charges!

⚠️ Common Mistakes to Avoid

Even with discounts, there are pitfalls new users should watch out for:

Forgetting promo dates – Always double-check validity (some promos run only on weekends).
Not meeting the minimum spend – Some require ₱1,000+ purchase.
Mixing different promo codes – Only one offer usually applies per transaction.
Missing your due date – Late fees can cancel out your discounts!

🧠 Example: You saved ₱300 at Zalora, but forgot to pay your ₱2,000 bill on time. A ₱400 late fee wipes that out.

📱 How to Check UnionBank Promos

You can find all current promos easily:

UnionBank App → “Promos” tab
UnionBank Credit Card Email Alerts
SMS Notifications or Push Alerts

These update monthly, so make it a habit to check before you spend.

✅ TL;DR (Summary for Busy Readers)

UnionBank credit cards come with exclusive discounts at partner stores nationwide.
You can save on food, shopping, travel, and online purchases.
Always check your UnionBank app for active promos.
Estimate your credit card costs using the Credit Card Cost Calculator.
Don’t forget: Pay on time to enjoy your savings fully.

🧭 FAQs

1. How do I know which stores offer UnionBank discounts?
Check the UnionBank app under the “Promos” tab or your latest email newsletter.

2. Do I need to register to join these promos?
Usually not. Just pay with your UnionBank credit card during the promo period.

3. Can I combine UnionBank discounts with store sales?
Most promos don’t allow stacking, but some exceptions exist—check promo terms.

4. How often do UnionBank promos change?
They’re usually updated monthly, with special seasonal offers during holidays.

5. Can I earn rewards while using discounts?
Yes! You can still earn reward points or cashback even when using partner discounts.

Partner Stores Where You Can Get Discounts Using UnionBank Credit Cards