UnionBank Credit Card for Online Shopping and Lazada Shopee Deals
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UnionBank Credit Card for Online Shopping and Lazada/Shopee Deals
Online shopping has become part of everyday life for Filipinos — from Lazada’s 11.11 sale to Shopee’s monthly “free shipping” promos. But here’s a secret many people don’t know: having the right credit card can make your online shopping more rewarding, secure, and even cheaper.
If you’re new to credit cards or still exploring your first one, the UnionBank Credit Card might be a great fit, especially if you love online deals, cashback, and flexible payments. Let’s dive in and see how it works, what benefits you can get, and how to apply.
What Is a Credit Card and How Does It Work?
A credit card is like a short-term loan that allows you to buy now and pay later. Every time you use it — for example, when checking out at Shopee or Lazada — UnionBank pays the merchant for you. Then, at the end of the month, you’ll receive a billing statement showing what you spent and how much you owe.
You can either:
Pay in full (so you don’t pay any interest), or
Pay a portion (and the remaining balance earns interest until fully paid).
For online shoppers, this setup offers both convenience and protection. You can buy from multiple sellers, even abroad, without exposing your debit card or personal bank account.
Why Choose a UnionBank Credit Card for Online Shopping?
UnionBank offers several cards that are friendly to online shoppers, from cashback cards to co-branded options with Lazada and Shopee.
Here’s why it’s a good match for your e-commerce lifestyle:
1. Cashback and Discounts
UnionBank credit cards often offer cashback for online purchases or special discounts on e-commerce platforms. For instance, you might get 5% cashback on Lazada transactions or exclusive promo codes on Shopee flash sales.
2. Secure Payments
UnionBank uses multi-factor authentication and 3D Secure technology for online transactions. This helps protect your information even if you’re shopping on multiple platforms.
3. Budget Flexibility
You can convert large purchases into installments (up to 36 months) — great for gadgets, appliances, or bulk orders.
4. Easy Tracking
Every transaction is reflected on your UnionBank Online App, letting you monitor spending and manage your budget without waiting for your paper statement.
Top UnionBank Credit Cards for Shopee and Lazada
UnionBank offers several cards that are especially useful for e-commerce fans. Here are the most popular ones:
UnionBank Lazada Credit Card
Perfect for those who shop heavily during Lazada’s big sale events. You can earn rebates and Lazada wallet credits, plus exclusive deals during double-digit sales like 10.10 and 11.11.
Perks:
6x Lazada wallet points on Lazada purchases
Free shipping vouchers on promo days
Welcome gift for first-time cardholders
UnionBank Shopee Credit Card
Shopee lovers can enjoy cashback and exclusive vouchers with this co-branded card.
Perks:
5% cashback on Shopee purchases
Exclusive access to flash sales and priority checkouts
Free annual fee for the first year (based on promo)
UnionBank Rewards Card
If you buy from multiple platforms — Shopee, Lazada, Zalora, or even Amazon — this card earns reward points for every peso you spend.
Perks:
1 reward point for every ₱30 spent
Redeemable for cash credits, vouchers, or travel miles
Ideal for all-around online spending
How to Apply for a UnionBank Credit Card
Applying for a UnionBank credit card is straightforward, and you can do it online without visiting a branch.
Basic Requirements
Must be a Filipino citizen or resident
At least 18 years old
Minimum ₱15,000–₱30,000 monthly income (depending on card type)
Valid government ID and proof of income (payslip or ITR)
Step-by-Step Application Process
Go to the UnionBank website or app.
Choose your preferred credit card.
Fill out the online application form.
Upload your ID and proof of income.
Wait for approval — usually within 3–5 banking days.
Once approved, your physical card will be delivered, and you can start using it immediately for Lazada, Shopee, or other online transactions.
Understanding Credit Card Fees and Costs
Before you apply, it’s smart to understand the common fees involved:
Fee Type
Typical Amount
Description
Annual Fee
₱1,500–₱3,000
May be waived for the first year or on promos
Interest Rate
Around 3% per month
Applied to unpaid balances
Late Payment Fee
₱750 or 5% of balance
Whichever is higher
Overlimit Fee
₱500
When you exceed your credit limit
đź’ˇ Tip: To estimate your total costs, use the Credit Card Cost Calculator. It helps you see how much interest or fees you might pay if you carry a balance or use installment plans.
How to Maximize Your UnionBank Credit Card Benefits
If you want to get the most value from your card, here are a few practical tips:
Shop during promo days. Take advantage of Lazada’s and Shopee’s 10.10, 11.11, and 12.12 events — UnionBank often gives extra discounts during these.
Always pay on time. Avoid interest and penalties by paying at least the minimum due before the deadline.
Use the UnionBank app. Activate SMS or app notifications to track every online purchase.
Redeem your points. Don’t forget to convert your accumulated reward points or cashback.
Avoid impulse buying. Stick to your budget and use your card strategically for needs, not just wants.
Common Issues and How to Handle Them
Even the best credit cards can face some hiccups. Here’s how to deal with them:
Declined online transaction: Check if your card is activated for international or online purchases.
Duplicate charge: Contact UnionBank customer service immediately to file a dispute.
Forgot due date: Set up auto-pay or reminders through the UnionBank app.
Lost card: Report it right away to block unauthorized transactions.
TL;DR – Quick Summary
If you’re new to credit cards, the UnionBank Credit Card is one of the best choices for online shoppers in the Philippines. It offers cashback, reward points, and secure payments on platforms like Lazada and Shopee.
1. What is the best UnionBank credit card for online shopping? The UnionBank Lazada or Shopee Credit Card is best if you regularly buy from those platforms.
2. Is there a minimum income requirement? Yes, usually between ₱15,000 and ₱30,000 monthly, depending on the specific card.
3. Can I use my UnionBank credit card for international shopping? Yes. It works for international online stores that accept Visa or Mastercard.
4. What happens if I miss a payment? You’ll be charged a late payment fee and interest, so it’s best to pay at least the minimum amount on time.
5. How can I manage my card safely for online transactions? Enable 3D Secure, shop only on verified stores, and use the UnionBank app to track transactions.
