Did you know that your UnionBank Credit Card can help you save money every month just by using it on your regular purchases? Whether you’re dining out, shopping online, or fueling up your car, UnionBank offers exclusive promos and discounts that turn every swipe into instant rewards.
For first-time credit card users, this is the perfect way to experience how a card can work for you, not against you. Instead of just paying bills, you can earn cashbacks, discounts, and even free items from top partner merchants nationwide.
In this guide, we’ll explore the latest UnionBank credit card promos this month, explain how to claim them, and share real examples of how much you can actually save.
Why UnionBank Credit Card Promos Matter
Promos are not just marketing — they’re practical money-saving tools. Many Filipinos don’t realize that their credit cards can double as discount cards if they know where and how to use them.
For new cardholders, this means:
Getting real benefits from your monthly spending
Learning how to track promos using the UnionBank App
Managing your expenses wisely while still enjoying perks
Example: If you spend ₱5,000 this month and get a 10% discount on dining, 5% cashback on groceries, and 0% interest on gadget purchases — that’s over ₱750 saved without changing your spending habits.
UnionBank Credit Card Promos This Month
Below are sample categories and ongoing promo examples you can expect from UnionBank’s partner merchants. (Note: Offers vary monthly, so always check the UnionBank App for updates.)
1. Dining Promos — Eat Well, Spend Less
Perfect for food lovers! UnionBank often partners with top restaurants, cafes, and food delivery platforms.
Examples:
10% OFF at The Coffee Bean & Tea Leaf for a minimum ₱800 spend using your UnionBank Visa.
Buy 1 Take 1 Meals at select Max’s Restaurant branches every Friday.
Free delivery via GrabFood for a ₱1,000 order minimum when paying with your UnionBank Card.
💡 Tip: Some dining promos only apply during weekends — plan your food trips accordingly!
2. Online Shopping Deals — Shop Smarter
UnionBank credit cards are also your key to great online discounts.
Examples:
₱300 OFF on Lazada with a ₱3,000 minimum spend.
₱200 Cashback for Shopee purchases above ₱2,500.
0% interest for 6 months when you buy electronics from partner stores like Power Mac Center.
If you’re new to credit cards, these promos are a good way to build your spending discipline while still enjoying perks.
3. Travel and Hotel Discounts
Love to travel? UnionBank rewards you for it.
Examples:
5% cashback on flight bookings using your UnionBank Platinum Card.
Free breakfast or late checkout in select hotels across the Philippines.
Installment plans for travel packages at 0% interest up to 12 months.
💡 Real-life Example: If you book a ₱10,000 flight with a 5% cashback promo, you get ₱500 back — enough for a round of airport snacks!
4. Gas and Groceries
Even your everyday errands can earn you rewards.
Examples:
₱2 OFF per liter when fueling up at Shell stations nationwide.
2x rewards points for grocery purchases every weekend at SM Supermarket or Puregold.
Free ₱100 voucher for a ₱2,000 grocery spend at select partner stores.
These promos are perfect for those who use their UnionBank card for household essentials.
5. Tech & Lifestyle Deals
UnionBank also caters to gadget lovers and lifestyle spenders.
Examples:
0% interest for 12 months on laptops, phones, and tablets from authorized dealers.
₱1,000 rebate when you spend ₱15,000 or more on appliances.
Exclusive early access sales on events like 11.11 or 12.12.
Pro tip: Always check if your card is eligible for installment promos — not all card types offer the same rates.
How to Check UnionBank Promos in the App
All ongoing promos can be viewed through your UnionBank Online App. Here’s how:
Step 1: Log in to your UnionBank App.
Step 2: Tap on “Credit Card” → “Promos”.
Step 3: Browse by category (Dining, Shopping, Travel, etc.).
Step 4: Tap the promo to view terms, participating branches, and validity.
Step 5: Use your card before the promo period ends.
It’s that simple! No need to print vouchers or register separately — just use your card when paying.
Example Scenario: Real Monthly Savings
Let’s say you’re using your UnionBank Rewards Card for typical monthly spending:
Category
Spend (₱)
Promo
Savings
Dining
₱3,000
10% off
₱300
Groceries
₱5,000
2x points
₱100 value
Gas
₱4,000
₱2/liter discount
₱200
Online shopping
₱2,500
₱200 cashback
₱200
Total
₱14,500
₱800 saved/month
In just one month, you could save ₱800 worth of discounts and rewards — that’s almost ₱10,000 per year if you use your card strategically!
Perfect for first-time credit card holders who want to make sure they’re not overspending or missing out on points.
Tips to Maximize UnionBank Promos
1. Track Expiry Dates
Promos change monthly — make it a habit to check your app or UnionBank’s updates every first week of the month.
2. Combine Discounts with Reward Points
Some promos let you enjoy discounts and earn points at the same time. Example: a 10% dining discount plus 1 point per ₱30 spend.
3. Use 0% Installments Wisely
Only use 0% interest promos for valuable purchases like appliances, tuition, or gadgets — not impulse buys.
4. Pay on Time
Missing payments can disqualify you from promo eligibility. Always settle your bill before the due date.
5. Choose the Right Card
Different UnionBank cards (like Rewards, Platinum, Miles+, etc.) have their own exclusive promos. Pick one that matches your lifestyle.
Common Issues and How to Fix Them
Promo Not Applied?
Check if you met the minimum spend or promo period. Some deals are exclusive to certain card types.
Cashback Didn’t Reflect Yet?
Some cashbacks or rebates are credited on your next billing cycle — just give it a few days.
Declined Transaction?
Make sure your UnionBank card is activated for online or POS purchases in the app’s security settings.
Forgot the Promo Code?
Some online offers require entering a UnionBank code at checkout — always double-check the promo details.
TL;DR (Quick Summary)
UnionBank offers monthly promos across dining, shopping, travel, and essentials.
You can easily view promos via the UnionBank App.
Discounts range from 5–15%, plus cashback and points.
Try the Credit Card Cost Calculator to plan your spending and interest payments.
Combine promos, pay on time, and enjoy your rewards responsibly!
Frequently Asked Questions (FAQs)
1. How often do UnionBank promos change?
Promos are updated monthly. Always check the UnionBank App or your email notifications.
2. Do I need to register for promos?
Most promos apply automatically, but some online offers may require a promo code.
3. Can I enjoy promos with a supplementary card?
Yes, supplementary cardholders are usually eligible as long as the transaction meets promo terms.
4. What if my transaction didn’t get a discount?
Contact UnionBank’s customer service with your receipt and transaction date — they can verify the promo.
5. Are there promos for first-time cardholders?
Yes, UnionBank sometimes offers welcome promos like bonus points or waived annual fees for new cardholders.
Final Thoughts
UnionBank Credit Card Promos aren’t just monthly deals — they’re opportunities to save and earn through your everyday spending. For first-time users, these offers make it easier to appreciate the value of having a credit card that rewards you.
Remember: the smartest cardholders are not the biggest spenders, but those who know where and when to swipe.
If you want to understand how your monthly spending or card interest works, try the Credit Card Cost Calculator — your best tool for smarter credit management.
