UnionBank Miles+ Credit Card: Earn Air Miles for Every Swipe
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UnionBank Miles+ Credit Card: Earn Air Miles for Every Swipe
Have you ever dreamed of flying for free — or at least for less — just by using your credit card for your everyday expenses? With the UnionBank Miles+ Credit Card, that dream can actually happen.
Whether you’re paying bills, booking a Grab, or shopping online, every swipe brings you closer to your next flight. For beginners or first-time credit card users, this type of card is not just a spending tool — it’s your ticket to travel rewards.
In this guide, we’ll explain how the UnionBank Miles+ Credit Card works, who it’s for, what makes it different, and how you can maximize your air miles.
🧭 What Is the UnionBank Miles+ Credit Card?
The UnionBank Miles+ Credit Card is a travel-focused credit card designed for people who want to earn air miles every time they spend.
Here’s the simple idea:
Every time you use your card, you earn points — and those points can be converted into airline miles.
This means your grocery runs, gas refills, and online shopping can all contribute to your next domestic or international trip.
💡 How the Miles+ Card Works
Think of it as a rewards card that specializes in airline travel.
🔹 1. Earn Miles with Every Swipe
You earn 1 point for every ₱25 spent using your UnionBank Miles+ Credit Card.
Those points can then be converted into miles for popular airline programs such as:
Philippine Airlines Mabuhay Miles
Cathay Pacific Asia Miles
Singapore Airlines KrisFlyer
🔹 2. Redeem Miles Anytime
Once you’ve earned enough points, you can convert them into air miles. For example:
5,000 Miles = 1 free round-trip domestic flight
20,000 Miles = 1 round-trip ticket to Hong Kong or Singapore
That means even your daily essentials — groceries, Netflix, or fuel — can build toward your next getaway.
📊 Real-Life Example: How Much Can You Earn?
Let’s say you spend ₱20,000 per month on your card for the following:
Category
Monthly Spend
Miles Earned
Groceries
₱7,000
280 miles
Utilities & Internet
₱5,000
200 miles
Dining & Coffee
₱4,000
160 miles
Travel & Transportation
₱4,000
160 miles
Total
₱20,000
800 miles/month
In one year, that’s 9,600 miles — already enough for a free local round-trip flight or a discounted international fare.
And if you charge higher expenses (like gadgets, insurance, or plane tickets), those miles stack up even faster.
🎁 Key Benefits of the UnionBank Miles+ Credit Card
✈️ 1. Reward Points That Never Expire
Unlike many cards where points expire after 2 or 3 years, your UnionBank Miles+ points never expire — meaning you can accumulate miles at your own pace.
💼 2. Complimentary Travel Insurance
When you book your flights using your Miles+ Card, you’re automatically covered by free travel insurance — giving you peace of mind while traveling.
🌍 3. Access to Exclusive Airport Lounges
Selected cardholders get lounge access at participating airports — a great perk if you love comfort while waiting for your flight.
💳 4. Flexible Miles Conversion
You can convert your points to your preferred airline loyalty program, so you’re not tied to just one airline.
🧾 5. Budget-Friendly Monthly Payments
You can split large purchases into installments to manage your spending without affecting your travel plans.
🧠 Tip: Check How Much a Credit Card Really Costs
Even though earning miles is fun, it’s still important to understand the interest, annual fee, and total cost of using a credit card.
To help with that, use the Credit Card Cost Calculator to see how much interest you’ll pay depending on your monthly payment and balance.
This tool is especially helpful for first-time credit card users who want to avoid debt while maximizing rewards.
🪜 How to Apply for a UnionBank Miles+ Credit Card
Applying is easy and can be done online. Here’s what you’ll need:
✅ Basic Requirements
Must be 21 to 60 years old
Must be a resident of the Philippines
Must have a valid government ID (UMID, Passport, Driver’s License, etc.)
Proof of income such as payslips, ITR, or certificate of employment
💰 Minimum Income Requirement
Usually, applicants should have a gross annual income of ₱360,000 or more.
🖋 How to Apply
Go to UnionBank’s website or apply through their app.
Fill in the online application form.
Submit your documents.
Wait for approval — usually within a few working days.
💳 Fees to Know Before You Apply
Here are the most common fees associated with the UnionBank Miles+ Credit Card:
Fee Type
Amount
Annual Fee (Principal)
₱3,000
Annual Fee (Supplementary)
₱1,500
Interest Rate
3% per month (approx.)
Late Payment Fee
₱1,000 or higher depending on balance
Overlimit Fee
₱750
Cash Advance Fee
6% or ₱300, whichever is higher
💡 Pro Tip: If you always pay in full and on time, you can enjoy the miles and perks without paying any interest.
💬 Common Mistakes First-Time Users Make
Many beginners lose miles or pay unnecessary charges. Here’s how to avoid that:
⚠️ 1. Paying the Minimum Only
This leads to interest buildup. Always pay your full statement balance.
⚠️ 2. Forgetting to Convert Points
Points don’t automatically convert — you have to redeem them through your UnionBank Rewards portal.
⚠️ 3. Missing Due Dates
A single missed payment can lead to penalties and even disqualify you from promos.
⚠️ 4. Overspending to Earn Miles
Don’t spend just to earn miles — make sure your card spending fits your real budget.
💼 Who Should Get the UnionBank Miles+ Credit Card?
This card is perfect for:
Frequent travelers or aspiring travelers
Professionals who use their card for business expenses
Online shoppers who want something back from their spending
Anyone who loves maximizing rewards instead of just spending cash
If you often fly or want to make travel more affordable, the Miles+ Card gives you tangible rewards for everyday spending.
🪙 Comparing Miles+ with Regular Credit Cards
Feature
Miles+ Credit Card
Regular Credit Card
Rewards Type
Air Miles
Cashback or Points
Best For
Travelers
Everyday Purchases
Travel Insurance
✅ Included
❌ Usually none
Annual Fee
Medium (₱3,000)
Low to Medium
Miles Conversion
Yes
No
If you travel even twice a year, the Miles+ Card easily pays off through the free flights and perks you can earn.
✈️ How to Maximize Your UnionBank Miles+
Here are some strategies to earn more air miles efficiently:
💳 1. Use It for Big Purchases
Charge big items like appliances, travel bookings, or tuition to rack up points faster.
🧾 2. Pay Bills Using Your Card
Electricity, internet, and insurance premiums can all earn miles.
👨👩👧 3. Add Supplementary Cards
Family members’ spending adds to your total points, so your miles grow faster.
🧠 4. Combine with Promos
UnionBank often runs bonus points promos for travel or shopping seasons — make the most of them.
⚡ TL;DR (Quick Summary)
The UnionBank Miles+ Credit Card lets you earn miles for every ₱25 spent.
Points never expire and can be converted to airline miles anytime.
Perfect for travelers and professionals who love rewards.
Always pay in full and on time to avoid interest and penalties.
❓ FAQs
1. How many miles can I earn with UnionBank Miles+ Credit Card?
You earn 1 point for every ₱25 spent. Those points can be converted into airline miles depending on your chosen airline partner.
2. Do UnionBank Miles+ points expire?
No — your points never expire, so you can save them for a long-term travel goal.
3. Can I redeem miles for any airline?
Yes, UnionBank allows you to transfer to popular frequent flyer programs such as Mabuhay Miles, KrisFlyer, or Asia Miles.
4. What happens if I miss a payment?
You’ll be charged late fees and interest, and your account may lose promo eligibility.
5. Is this a good card for beginners?
Yes! As long as you pay your balance on time, the UnionBank Miles+ Credit Card is an excellent choice to start earning travel rewards while building your credit history.
Final Thought: If you love traveling — or want to start exploring more — the UnionBank Miles+ Credit Card turns your everyday spending into exciting journeys. Just swipe wisely, pay on time, and watch your points turn into plane tickets.
