UnionBank Credit Card Partner Merchants for Dining, Groceries, and Travel
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UnionBank Credit Card Partner Merchants for Dining, Groceries, and Travel
Looking for ways to make every swipe more rewarding? If you love eating out, doing your weekly grocery run, or planning your next local getaway, a UnionBank Credit Card can help you save while you spend. Many Filipinos don’t realize that their credit cards can unlock exclusive discounts and cashback — especially with UnionBank’s wide range of partner merchants in dining, groceries, and travel.
This guide will walk you through the best partner deals, how to use your credit card wisely, and how to calculate your potential savings using the Credit Card Cost Calculator.
Why Choose UnionBank Credit Cards for Everyday Spending
UnionBank’s credit cards are not just for emergencies or online shopping — they’re designed to fit your everyday lifestyle. Whether you’re grabbing coffee, buying groceries, or booking flights, you earn rewards and discounts automatically at partner stores.
For first-time users, this means your card isn’t just a payment tool — it’s a smart companion for managing your budget and maximizing perks.
Partner Merchants for Dining, Groceries, and Travel
Here’s a helpful overview of some well-known UnionBank partner merchants and their typical offers:
Category
Partner Merchant
Typical Offer
Sample Benefit
Dining
The Bistro Group (Italianni’s, TGIF, Denny’s)
10% off with UnionBank Credit Card
₱500 savings on a ₱5,000 bill
McDonald’s, GrabFood
5% cashback or exclusive promo codes
Save ₱250 on ₱5,000 spend
Groceries
Robinsons Supermarket, Landers, S&R
5% cashback on weekends
Earn ₱250 on ₱5,000 grocery run
Puregold, SM Supermarket
0% installment on bulk grocery purchases
Manage monthly budget easily
Travel
Philippine Airlines (PAL)
0% installment for flights
Spread airfare over 3 months
Agoda, Klook, AirAsia
Up to 8% discount on hotel and tour bookings
₱800 off on ₱10,000 vacation plan
Fuel & Transportation
Shell, Petron, Grab
3% fuel rebate or cashback
Save ₱150 monthly on refueling
💡 Tip: Always check UnionBank’s latest merchant promos through your online banking or app — partner lists and rates may change.
How to Maximize Rewards and Discounts
You don’t need to be a financial expert to make the most of your UnionBank Credit Card. Here’s a simple step-by-step guide for first-timers:
1. Use Your Credit Card for Regular Purchases
Start by using your card for things you already buy — meals, groceries, and gas. This builds your spending record without overspending.
2. Pay on Time to Avoid Interest
The perks are only worth it if you avoid late payment charges. Always pay your total balance or at least the minimum amount due before the due date.
3. Track Cashback and Points
UnionBank’s mobile app shows your rewards and cashback balance. Monitor it monthly to see how much you’ve saved.
4. Combine Promos
Some partner merchants allow you to combine UnionBank promos with merchant-specific discounts — doubling your rewards.
How Much Can You Save Each Month?
To see how much you’re really earning in cashback and discounts, try this quick estimation:
Category
Average Monthly Spend
Typical Cashback/Discount
Estimated Monthly Savings
Dining
₱5,000
5%
₱250
Groceries
₱10,000
3%
₱300
Travel
₱3,000
5%
₱150
Fuel
₱4,000
3%
₱120
Total Savings
₱22,000
—
₱820/month or ₱9,840/year
That’s almost ₱10,000 per year saved — just by using your UnionBank Credit Card smartly.
Calculate Your Credit Card Costs and Savings
Before applying, it’s smart to know how much your credit card may cost versus how much you can save from rewards.
You can easily estimate this using the Credit Card Cost Calculator — a free online tool that helps you see interest rates, payment breakdowns, and total potential cashback.
🧮 Tip: Try entering your monthly grocery or dining spend in the calculator to see if the cashback outweighs the annual fee.
Benefits of Using UnionBank Credit Cards
1. Cashback and Rewards
Earn points or direct cashback from everyday purchases. Perfect for budget-conscious spenders.
2. Convenience and Safety
No need to carry cash — just tap or swipe. Plus, UnionBank’s security features protect you from unauthorized transactions.
3. Installment Flexibility
Convert large expenses into 0% installment terms, especially with travel and appliances.
4. Lifestyle Perks
Enjoy exclusive access to sales, lounge privileges, and travel insurance — making each swipe worth more.
Common Mistakes First-Time Credit Card Users Should Avoid
Even with perks and partner deals, it’s important to use your credit card wisely:
Spending more to “earn” rewards – Only buy what you need. Cashback isn’t worth it if you’re paying interest.
Ignoring billing statements – Always review your charges to ensure accuracy.
Missing payments – Late payments can hurt your credit score and cancel your promos.
Not maximizing partner promos – Some discounts require specific spend amounts or promo codes. Always check details.
Who Can Apply for a UnionBank Credit Card?
If you’re a Filipino resident, at least 18 years old, and have a stable income, you can apply.
UnionBank usually requires:
Valid government ID
Proof of income (payslip or ITR)
Billing address
Online applications are fast and paperless — just go to UnionBank’s official credit card page and fill out the form.
TL;DR – Quick Summary
UnionBank Credit Cards offer exclusive partner discounts for dining, groceries, and travel.
You can earn cashback, points, or 0% installment on your everyday purchases.
Avoid late payments and overspending to fully enjoy your perks.
With the right UnionBank Credit Card, every meal, trip, or grocery run can earn you rewards — making your lifestyle both smart and rewarding.
FAQs About UnionBank Credit Card Partner Merchants
1. Do all UnionBank Credit Cards have merchant discounts? Most do, but benefits vary by card type. Always check the promo details for your specific card.
2. Can I use my UnionBank Credit Card for online orders like GrabFood or Lazada? Yes! UnionBank frequently partners with online platforms for cashback and promo codes.
3. Are the discounts automatic when I swipe my card? In most cases, yes. Some promos, however, may require you to mention or input a code.
4. Do partner promos have an expiration date? Yes, they usually run quarterly. Check your UnionBank app for updated offers.
5. Can I combine a merchant promo with my card’s cashback offer? Yes — that’s one of the best ways to maximize your savings.
