Types of UnionBank Credit Cards Explained (Beginner’s Guide for Filipinos)
Getting your first credit card can feel like entering a new world — full of convenience, rewards, and possibilities. But if you’ve ever checked the UnionBank website, you probably noticed: there’s not just one card — there are many!
So, how do you choose the right one? Should you go for the Rewards, Cashback, or Lazada card? What if you’re a student or freelancer just starting out?
This guide will break down the different types of UnionBank credit cards, their benefits, who they’re best for, and what to consider before applying. Whether you’re new to credit cards or just exploring, this post will help you understand which UnionBank card fits your lifestyle.
🏦 What Makes UnionBank Credit Cards Stand Out?
UnionBank is one of the most trusted banks in the Philippines, known for combining digital convenience and personalized perks.
Unlike other banks, UnionBank offers a wide variety of cards — from simple beginner cards to travel, rewards, and co-branded cards. Each is designed to fit a specific lifestyle, income level, or spending habit.
Think of it this way:
Each UnionBank credit card is like a different “tool” — some are great for saving, some for earning points, and others for travel or online shopping.
💡 Main Types of UnionBank Credit Cards
UnionBank’s lineup can be grouped into five main categories:
Rewards and Points Cards
Cashback and Everyday Spending Cards
Co-Branded Lifestyle Cards
Travel and Premium Cards
Business and Corporate Cards
Let’s explore each one in simple terms.
🏅 1. UnionBank Rewards Credit Cards
🟣 UnionBank Rewards Credit Card
Best for: People who shop frequently and want to earn points.
This is UnionBank’s most popular all-around card. Every time you spend, you earn reward points that can be exchanged for items, discounts, or even air miles.
Key Features:
Earn points for every ₱20 you spend.
Redeem points for gadgets, shopping vouchers, or travel.
Ideal for consistent spenders who always pay on time.
Example: If you spend ₱10,000 on groceries and bills each month, you earn points worth hundreds of pesos over time — like a cashback that grows quietly in the background.
🛍️ 2. Cashback and Everyday Spending Cards
🟠 UnionBank PlayEveryday Visa Card
Best for: Young professionals, gamers, or casual spenders who want fun perks.
Key Features:
Earn 1 point for every ₱10 spent.
Convert points to gaming credits or shopping rewards.
Perfect for those who use their card for lifestyle expenses — from Grab rides to mobile games.
🟢 UnionBank Cashback Credit Card
Best for: Budget-conscious users who want real savings every month.
Key Features:
Earn up to 6% cashback on select spending categories.
Cashback automatically reflects on your next statement.
Great for groceries, gas, and utility bills.
Analogy:
Imagine every time you pay your bills or buy groceries, part of that money goes back to your wallet. That’s how cashback works!
🛒 3. Co-Branded Lifestyle and Shopping Cards
UnionBank partners with big brands to offer specialized co-branded credit cards that give exclusive perks in partner platforms.
💜 UnionBank Lazada Credit Card
Best for: Online shoppers and frequent Lazada users.
Features:
6x points for every ₱200 spent on Lazada.
Free shipping and special sale access.
Ideal for those who love online shopping deals and cashless convenience.
🧡 UnionBank Go Rewards Credit Card
Best for: Shoppers who frequent Robinsons, South Star Drug, or other Go Rewards partners.
Features:
Earn Go Rewards points for every swipe.
Redeem points for groceries or future purchases.
Great if you do your groceries at Robinsons or shop in partner stores.
✈️ 4. Travel and Premium Credit Cards
For those who travel often or want luxury perks, UnionBank’s travel and premium cards offer exclusive benefits.
💼 UnionBank Miles+ Platinum Visa Card
Best for: Frequent travelers and professionals.
Features:
Earn miles for every ₱25 spent locally or abroad.
Access to airport lounges and travel insurance.
Perfect for those who fly regularly for work or leisure.
🖤 UnionBank Platinum Mastercard
Best for: Premium users who want lifestyle privileges and high credit limits.
Features:
Free travel insurance and concierge service.
Higher credit limits.
Exclusive dining and shopping discounts.
🧾 5. Business and Corporate Credit Cards
💼 UnionBank Corporate Card
Best for: Business owners or managers handling company expenses.
Features:
Consolidated billing for multiple users.
Simplifies reimbursement and accounting.
Great for companies or freelancers managing multiple transactions monthly.
Tip: If you’re self-employed or own a small business, having a business credit card helps separate personal and work expenses — making tax filing easier.
📋 UnionBank Credit Card Requirements
Applying is simple, but it’s important to meet the basic qualifications.
✅ Basic Requirements
Filipino citizen or resident
At least 18 years old
Minimum annual income: ₱180,000 to ₱600,000 (depends on the card)
Valid government-issued ID
Proof of income or employment
🧾 Documents You May Need
Type
Examples
Identification
Passport, Driver’s License, SSS ID, UMID
Proof of Income
Payslip, ITR, Certificate of Employment
Proof of Address
Utility bill or bank statement
🖥️ How to Apply for a UnionBank Credit Card
Step 1: Choose Your Card
Select a card that matches your needs — whether for rewards, cashback, or travel.
Step 2: Apply Online
UnionBank’s online application process is quick and user-friendly. You can upload documents digitally.
Step 3: Wait for Approval
Processing usually takes 5–7 business days.
Step 4: Activate Your Card
Once received, activate it through the UnionBank App or website.
💰 How Much Does It Cost to Have a UnionBank Credit Card?
Each card has different fees depending on its features.
Fee Type
Description
Example Amount
Annual Fee
Charged yearly
₱1,500–₱3,000 (some waived for 1st year)
Interest Rate
On unpaid balances
Around 3% per month
Late Payment Fee
If you miss the due date
₱1,000 or a % of balance
Cash Advance Fee
For ATM withdrawals
3% of amount withdrawn
Want to check how much your monthly balance could cost? Try this helpful tool 👇
It helps you estimate your monthly payments, interest, and total repayment if you don’t pay in full.
🌟 Benefits of UnionBank Credit Cards
💡 1. Flexible Payment Options
Pay your balance in full or in installments — whatever fits your budget.
🎁 2. Rewards and Cashback
Earn points or cashback for every swipe.
🛡️ 3. Secure Transactions
All cards use EMV chip technology and fraud monitoring for peace of mind.
📱 4. Easy Account Management
Check balances, pay bills, or redeem points via the UnionBank App.
🏷️ 5. Exclusive Promos
Enjoy discounts, airline promos, and brand partnerships all year round.
⚠️ Common Mistakes to Avoid
Using the card for non-essential purchases. Always ask yourself if it’s a “want” or “need.”
Paying only the minimum. This builds up interest fast. Pay in full if you can.
Ignoring due dates. Set a reminder in your phone calendar.
Applying for too many cards. Focus on one or two that truly fit your lifestyle.
💡 Pro Tip for First-Time Users
Start small. Choose a basic card like the UnionBank Rewards Credit Card or Cashback Card. Use it responsibly for everyday purchases and pay your bill in full each month.
Over time, you can upgrade to premium cards once your credit score and income improve.
1. Which UnionBank credit card is best for beginners?
The UnionBank Rewards Credit Card or Cashback Card are ideal for first-timers.
2. How much salary is required to get a UnionBank credit card?
Minimum monthly income starts at ₱15,000 for basic cards, higher for premium cards.
3. How long is the approval process?
Usually 5–7 working days after submitting complete requirements.
4. Can I apply without a credit history?
Yes. UnionBank offers beginner-friendly cards for new users.
5. What happens if I can’t pay on time?
You’ll be charged interest and a late payment fee — and it may affect your credit record.
✨ Final Thoughts
UnionBank credit cards come in many forms — each one suited for a specific lifestyle. Whether you want cashback savings, reward points, or travel perks, there’s a card designed for you.
For beginners, focus on learning how a credit card really works. Always pay on time, track your expenses, and use it for things that truly matter.
Before applying, test out your budget with the Credit Card Cost Calculator — a simple way to plan smart and enjoy the perks of cashless living responsibly.
