Top 5 UnionBank Credit Cards for Frequent Travelers
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Top 5 UnionBank Credit Cards for Frequent Travelers
βοΈTravel Smarter, Earn More Miles
Dreaming of traveling more while spending smarter? UnionBank credit cards can turn your daily expenses into flight rewards, hotel perks, and VIP lounge access β perfect for Filipinos who love exploring the world or even just flying home to the province.
If youβre a first-time credit card user, this guide will help you understand which UnionBank travel credit card best fits your goals, how each one works, and what benefits you can expect before applying.
π₯ 1. UnionBank Miles+ Card
βοΈ Best for: Earning miles on every purchase
The UnionBank Miles+ Card is a solid all-around travel card for beginners and frequent flyers. Every β±25 you spend earns you 1 mile β which you can redeem for flights, hotels, or upgrades.
Highlights:
Earn 1 mile for every β±25 spent
Free travel insurance up to β±10 million
Access to airport lounges locally and abroad
Low conversion rate for miles
Ideal for: Travelers who often fly for work or family trips. Annual fee: Around β±3,000 (waived on the first year for some promotions) Minimum income requirement: β±50,000/month
If youβre a loyal Cebu Pacific traveler, this card is perfect for you. It lets you earn GetGo points that can be converted directly into flights and seat upgrades.
Highlights:
Earn 1 GetGo point for every β±100 spent
Free flight reminders and travel promos
Discounts on seat upgrades and baggage
Automatic points transfer to your GetGo account
Ideal for: Budget travelers and frequent domestic flyers. Annual fee: β±2,500 Minimum income requirement: β±30,000/month
π 3. UnionBank Platinum Visa Card
βοΈ Best for: Luxury travel and lifestyle perks
This card is for those who enjoy comfort and exclusivity while traveling. It combines travel protection, lounge access, and premium privileges for shopping and dining.
Highlights:
Free Priority Pass membership with lounge access
Travel insurance coverage up to β±10 million
Concierge service for bookings and reservations
0% installment plans for travel packages
Ideal for: Professionals or business travelers who want extra comfort and perks. Annual fee: β±3,000 Minimum income requirement: β±60,000/month
π¨ 4. UnionBank Gold Mastercard
βοΈ Best for: Frequent travelers who prefer flexibility
The Gold Mastercard lets you earn reward points on every transaction and redeem them for air miles or hotel stays. Itβs a flexible card that works well for both travel and lifestyle spending.
Highlights:
Earn 1 point per β±35 spent
Points can be converted to miles or vouchers
Travel accident insurance included
Flexible payment options
Ideal for: Young professionals starting to travel frequently. Annual fee: β±2,500 Minimum income requirement: β±40,000/month
π« 5. UnionBank Visa Infinite Card
βοΈ Best for: Elite travelers who want premium global privileges
The UnionBank Visa Infinite is the top-tier card designed for frequent international travelers. It gives you unmatched privileges, miles conversion, and lifestyle upgrades.
Highlights:
Earn 1.5 miles per β±25 spent abroad
Unlimited lounge access through Priority Pass
Comprehensive travel insurance
Luxury hotel and dining offers worldwide
Ideal for: High-income professionals and seasoned travelers. Annual fee: β±6,000 Minimum income requirement: β±120,000/month
π³ How to Choose the Best UnionBank Travel Credit Card
When picking your first travel credit card, consider:
Where you fly most β Domestic? International?
How much you spend monthly β Some cards require higher income.
Your travel goals β Miles, upgrades, or comfort?
Card fees vs. benefits β Check if the annual fee matches the perks.
π‘ Tip: Use the Credit Card Cost Calculator to estimate how much your card will cost per year and how long it takes to earn back through perks or cashback.
𧳠Benefits of Having a Travel Credit Card
Even if youβre new to credit cards, travel cards can offer major benefits:
Earn while you spend: Convert daily purchases into miles.
Travel insurance: Many cards include free coverage.
Airport comfort: Enjoy lounge access and priority boarding.
Budget control: Track your expenses easily with monthly statements.
Example: If you spend β±30,000/month using your UnionBank Miles+ Card, thatβs β±360,000 a year β equal to 14,400 miles, enough for a round-trip domestic flight!
π§ Common Mistakes First-Time Cardholders Should Avoid
Not paying on time β Interest charges can erase your travel rewards.
Overusing your limit β Keep usage below 30% of your credit limit.
Ignoring annual fees β Always compare the perks to the cost.
Not using the rewards β Points may expire, so redeem regularly.
TL;DR β Quick Summary
Card Name
Best For
Key Benefit
Miles+ Card
All-around travelers
Earn 1 mile per β±25 spent
Cebu Pacific Gold
Budget flyers
Earn GetGo points easily
Platinum Visa
Business travelers
Lounge access + insurance
Gold Mastercard
Flexible spending
Redeem points for miles
Visa Infinite
Elite travelers
Premium global perks
π‘ Use the Credit Card Cost Calculator to see which UnionBank travel card fits your lifestyle and budget best.
πββοΈ Frequently Asked Questions (FAQs)
1. What is the easiest UnionBank travel card to apply for? The Cebu Pacific UnionBank Gold Card is often the easiest for beginners since it has a lower income requirement and great starter benefits.
2. How do I earn miles using a UnionBank credit card? Every qualified purchase earns miles or points, depending on the card type. These can be converted into flights, hotel stays, or upgrades.
3. Can I apply even if Iβm a first-time credit card user? Yes! UnionBank offers beginner-friendly cards like the Gold Mastercard and Cebu Pacific Gold.
4. Do travel cards have higher interest rates? Not necessarily β but since travel cards have added perks, the annual fee may be slightly higher.
5. How can I estimate my card expenses? You can use the Credit Card Cost Calculator to check how much your credit card might cost annually and how to maximize your rewards.
β Final Tip: Whether youβre flying for business, leisure, or balikbayan trips β the right UnionBank travel credit card can make every purchase a step closer to your next destination.
