UnionBank’s Exclusive Merchant Promos and Discounts

Get More from Every Swipe

Did you know that using your UnionBank Credit Card can do more than just help you pay conveniently? With exclusive merchant promos and discounts, every purchase could mean savings, points, and rewards.

For first-time cardholders, this is one of the most exciting perks — because it’s like being rewarded for spending on things you already buy. Whether it’s dining out, booking a trip, or shopping online, UnionBank partners with hundreds of stores nationwide to give you better value for your money.

If you’ve never had a credit card before, this article will guide you step-by-step on how UnionBank’s merchant promos work, how to maximize discounts, and how to track your savings using the UnionBank App.

Understanding Credit Card Promos and Discounts

Before we dive into UnionBank’s exclusive deals, let’s break down what credit card promos actually are.

What Are Credit Card Promos?

Promos are special limited-time offers given by partner merchants — like restaurants, online shops, hotels, and gas stations — when you pay using your UnionBank Credit Card.
These could include:

Percentage discounts (e.g., 10% off your bill at a restaurant)
Cashback rewards
Bonus points or miles
Buy 1 Take 1 offers
Zero interest installment plans

Why UnionBank?

UnionBank’s reward network is among the most versatile in the Philippines. It covers lifestyle, travel, tech, and essentials — meaning you get real, practical savings in daily life.

For example:

If you spend ₱2,000 dining at a partner restaurant with a 10% discount promo, you instantly save ₱200 — that’s like getting a free drink or dessert!

UnionBank’s Merchant Categories and Example Promos

To give you a clear picture, here are some common merchant categories and sample promos that UnionBank credit cardholders can enjoy:

1. Dining and Food Delivery

Perfect for foodies!

Example: Get 10% off at The Coffee Bean & Tea Leaf when you use your UnionBank Card every weekend.
Example: Enjoy free delivery with GrabFood for a minimum ₱800 purchase when you use your UnionBank Visa.

2. Travel and Hotels

UnionBank makes your trips lighter on the budget.

Example: Book your flights via a travel website and get up to 5% cashback.
Example: Stay at selected hotels and receive free breakfast or late checkout when you pay with your card.

3. Online Shopping and Gadgets

Shop conveniently with perks you can’t get elsewhere.

Example: Get ₱300 off for Lazada purchases when you reach a ₱3,000 spend.
Example: Enjoy 0% interest for 12 months on gadget purchases at Power Mac Center.

4. Gas, Groceries, and Essentials

Daily use? Still rewarding.

Example: Save ₱2 per liter at Shell stations when you pay using your UnionBank Gold Credit Card.
Example: Earn 2x rewards points when buying groceries every weekend.

How to Avail of UnionBank Promos

Here’s how you can make sure you don’t miss a single promo:

Step 1: Check the UnionBank App

All active promos are updated inside the UnionBank Online App. Just tap on “Promos” under the Credit Card tab.

You’ll see categories like Dining, Travel, Shopping, and more — each with valid dates and terms.

Step 2: Swipe or Tap at Partner Merchants

When you pay, simply use your UnionBank Credit Card (either physical or digital) at participating outlets. The discount or offer is applied automatically or upon confirmation at checkout.

Step 3: Track Your Savings

After payment, you can see the discounted amount in your receipt or check your statement for cashback or points.

💡 Tip: Keep receipts or screenshots of online promos just in case you want to verify your rewards later.

Real-Life Example: How You Save

Let’s say you have a UnionBank Rewards Credit Card and you use it for:

₱1,500 lunch at a partner restaurant (10% off)
₱3,000 groceries (2x points)
₱10,000 flight booking (5% cashback)

Here’s what happens:

₱150 savings from lunch
₱60 worth of bonus points from groceries
₱500 cashback from the flight

That’s a total value of ₱710 saved in just one week of normal spending — without changing your lifestyle.

UnionBank Credit Card Cost Calculator

Wondering how much your monthly balance or rewards could cost or earn you?

Try the Credit Card Cost Calculator — a free online tool that helps you estimate your total payments, interest, and potential savings.

This calculator is especially helpful if you’re new to credit cards and want to plan your monthly payments responsibly.

Tips to Maximize Your UnionBank Promos

1. Always Check Expiry Dates

Promos usually last 1–3 months. Don’t miss out — check regularly in the app.

2. Combine Promos with Rewards

Some UnionBank cards let you earn points AND get discounts at the same time. That’s double benefit!

3. Use Installment Plans Smartly

If a store offers 0% interest, use it only for items that bring long-term value (like a laptop or home appliance).

4. Avoid Missing Payments

Even one missed payment can remove your eligibility for promos or cashback. Always pay on time.

Common Issues and How to Fix Them

Here are some challenges beginners face and how to handle them:

Promo Didn’t Apply

✅ Solution: Check the promo period and minimum spend. Some offers only apply on certain days or require specific card types (Visa, Platinum, etc.).

Cashback Didn’t Reflect

✅ Solution: Wait for the next billing cycle — some rebates post after a few days.

Declined Card at Partner Merchant

✅ Solution: Ensure your card is activated for in-store or online use under your UnionBank App’s security settings.

The Real Value of UnionBank Promos

Credit card promos aren’t just marketing gimmicks — they’re smart money tools when used correctly.

If you’re disciplined with spending and pay on time, you’re not just saving; you’re leveraging the system to make your lifestyle more affordable.

Think of it like this: Every swipe is either an expense or a reward — it depends on how you manage it.

TL;DR (Quick Summary)

UnionBank Credit Cards come with exclusive merchant promos for dining, travel, shopping, and more.
You can save through discounts, cashback, or bonus points.
Use the UnionBank App to track and activate promos.
Try the Credit Card Cost Calculator to plan your payments and avoid debt.
Stay alert to promo schedules and pay your bills on time to keep your rewards active.

Frequently Asked Questions (FAQs)

1. How do I check UnionBank’s current promos?

You can view all active promos through the UnionBank Online App or website under the “Promos” section.

2. Do I need to register for each promo?

Most promos apply automatically when you use your UnionBank Credit Card at partner stores.

3. Are there promos for online shopping?

Yes! UnionBank partners with major e-commerce platforms like Lazada and Shopee for special discount codes and cashback.

4. Can I combine promo discounts with reward points?

Yes, in most cases you can. You earn reward points on top of merchant discounts.

5. What if I miss a payment — will I still get promos?

Late or missed payments can affect eligibility for promos, so always settle your bills on time.

✅ Final Thought

UnionBank’s exclusive merchant promos are more than perks — they’re real financial advantages if you know how to use them wisely. For first-time cardholders, these offers can make your spending more rewarding while teaching you how to manage credit smartly.

If you want to estimate your monthly spending, fees, or interest, use the Credit Card Cost Calculator today to plan smarter and spend wiser.

UnionBank’s Exclusive Merchant Promos and Discounts