UnionBank Credit Card Comparison: Which One Fits You Best?
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UnionBank Credit Card Comparison: Which One Fits You Best?
Choosing your first credit card can feel overwhelming — especially if you’re new to banking or just starting to build your credit history. With so many options out there, how do you know which UnionBank credit card actually fits your lifestyle?
Whether you’re an online shopper, a frequent traveler, or someone who just wants cashback on everyday spending, this guide will help you compare UnionBank’s most popular credit cards — so you can pick the one that truly matches your needs.
💳 Why It’s Important to Choose the Right Credit Card
For first-time users, a credit card isn’t just about borrowing money — it’s a financial tool that, when used wisely, can help you:
Earn cashback or rewards on your purchases
Build your credit score for future loans
Enjoy exclusive discounts and promos
Manage online transactions safely
But each card type serves a different purpose. Some give higher points, others give cash rebates, and some offer travel perks. Let’s break down which UnionBank card is best for your goals.
🔍 UnionBank Credit Card Comparison Table
Here’s a quick overview of UnionBank’s popular credit cards and what they’re best for:
Why it fits you: If you’re new to credit cards, this is one of the easiest to manage. You earn points on every purchase, which you can later redeem for vouchers or discounts.
Highlights:
1 point for every ₱30 spent (local or online)
Points never expire
No complicated rewards system
Free first-year annual fee
Perfect for: Everyday shopping, dining, and small online purchases.
2. UnionBank Lazada Credit Card
Best for: Online shoppers and frequent Lazada buyers.
Why it fits you: If you love checking out during Lazada sales, this card gives maximum points and perks on every purchase.
Highlights:
6x Lazada points for every ₱200 Lazada purchase
1x point on all other spending
Exclusive Lazada vouchers and sale previews
Perfect for: Tech buyers, fashion shoppers, and those who love 11.11 or 12.12 deals.
3. UnionBank Cash Back Credit Card
Best for: Savers and practical spenders.
Why it fits you: Instead of points, you get actual cashback — money you can use to offset your bill.
Highlights:
Up to 6% cashback on groceries and gas
0.2% cashback on all other transactions
Simple, automatic rebates
Perfect for: Those who prefer simplicity and consistent savings.
4. UnionBank Platinum Visa
Best for: Frequent travelers or premium users.
Why it fits you: This card combines rewards with lifestyle benefits — ideal if you love traveling or shopping abroad.
Highlights:
Free travel insurance
Airport lounge access
Worldwide acceptance and online shopping protection
Perfect for: Professionals or business travelers who want convenience and peace of mind.
5. UnionBank Miles+ Credit Card
Best for: Flyers and adventurers.
Why it fits you: Earn air miles for every peso spent and redeem them for flights or travel rewards.
Highlights:
1 mile for every ₱25 spend
Bonus miles on select travel partners
Travel accident insurance
Perfect for: Those who fly frequently or plan big trips.
6. UnionBank PlayEveryday Credit Card
Best for: Gamers, streamers, and entertainment lovers.
Why it fits you: Earn rewards for playing, streaming, or buying games. It’s one of the most unique UnionBank cards today.
Highlights:
1 point per ₱10 spend on gaming and entertainment
Redeem rewards or use points to pay bills
Fun promos for gaming communities
Perfect for: Young adults, gamers, and pop culture fans.
🧮 How to Estimate Credit Card Costs
Before you choose a card, it’s smart to calculate how much you’ll pay if you carry a balance or make partial payments. You can use a Credit Card Cost Calculator to simulate your monthly payments, interest, and total spending — this helps you stay in control and avoid unnecessary charges.
This simple step lets you understand how interest builds up and helps you make smarter payment decisions.
đź’ˇ Tips When Choosing a UnionBank Credit Card
1. Match it to your spending habits
If you shop online a lot, go for Lazada or Rewards Card. If you drive and buy groceries often, the Cash Back Card makes more sense.
2. Consider your income level
Each card has a minimum income requirement, usually ₱180,000 to ₱600,000 annually. Choose one that matches your current financial standing.
3. Focus on value, not prestige
A Platinum card sounds fancy, but if you don’t travel often, you might not maximize its benefits.
4. Check your eligibility
Start with entry-level cards first. Once you build your credit history, you can upgrade later.
5. Always pay on time
No matter which card you choose, paying in full every month saves you from interest and late payment fees.
⚖️ Quick Pros and Cons of UnionBank Credit Cards
Pros
Cons
Wide selection for every lifestyle
Annual fees apply
Strong online security features
Approval depends on income and documents
Reward and cashback options
High interest if unpaid monthly
Easy online application
Misuse can lead to debt
🧠TL;DR — Summary for Busy Readers
If you’re new to credit cards, start with a UnionBank card that matches your lifestyle:
For everyday use: Rewards Credit Card
For Lazada lovers: Lazada Credit Card
For practical savings: Cash Back Card
For travelers: Platinum Visa or Miles+
For gamers: PlayEveryday
Each card comes with its own benefits — the best choice depends on where and how you spend the most.
âť“ Frequently Asked Questions (FAQs)
1. What is the easiest UnionBank credit card to apply for? The UnionBank Rewards Credit Card is usually the most beginner-friendly because of its low income requirement and simple rewards system.
2. How long does approval take? Typically around 5–7 banking days, depending on your documents and credit background.
3. Can I apply without a bank account? Yes. As long as you meet the income requirement and can provide valid proof of income, you can still apply.
4. What happens if I can’t pay my balance in full? You’ll be charged interest on the remaining balance. Always pay in full to avoid unnecessary costs.
5. Can I upgrade my card later on? Yes. Once you establish a good payment record, you can request an upgrade to a higher-tier card with better perks.
âś… Final Thoughts
A UnionBank credit card is more than just a tool for spending — it’s a step toward financial growth. The right card can help you save, earn rewards, and enjoy convenience, all while building a solid credit history.
If you’re a first-time user, start small, spend wisely, and make sure every swipe works to your advantage.
