Which UnionBank Credit Card Offers the Highest Limit?

If you’ve ever dreamed of swiping your card without worrying about “limit reached,” you’re probably wondering — which UnionBank Credit Card gives the highest limit?

Whether you’re a first-time credit card user or a seasoned professional, choosing the right card tier can make a big difference in your financial flexibility. A higher limit means greater purchasing power, better credit score potential, and more freedom to handle emergencies or big-ticket purchases.

In this blog, we’ll break down which UnionBank Credit Cards tend to offer the highest credit limits, how those limits are determined, and how you can qualify for them — in plain, simple terms.

🧭 TL;DR (Too Long; Didn’t Read)

The UnionBank Platinum and Infinite Credit Cards offer the highest credit limits, usually ₱200,000 to ₱1 million or more, depending on income and credit standing.
Entry-level cards like the Gold Credit Card offer moderate limits (₱50,000–₱200,000).
Your income, spending habits, and payment history all influence how high your limit can go.
Use the Credit Card Cost Calculator to estimate how much interest or monthly payment you’ll face if you max out your limit.

💳 What Is a Credit Limit?

Your credit limit is the maximum amount the bank allows you to borrow or spend using your credit card. Think of it as a pre-approved short-term loan that resets each time you pay your bill.

For example, if your card limit is ₱100,000 and you spend ₱30,000, you still have ₱70,000 available. Once you pay the ₱30,000 back, your full ₱100,000 becomes usable again.

Why Credit Limit Matters

A higher credit limit:

Gives more financial flexibility for emergencies or large purchases
Improves your credit utilization ratio (the lower, the better for your credit score)
Allows you to earn more rewards or cashback with bigger spending power

But remember — a high limit isn’t a license to overspend. Responsible use is key.

⚖️ UnionBank Credit Cards Ranked by Limit Potential

UnionBank doesn’t publish exact credit limit numbers for each card, because they vary per user. However, based on eligibility requirements and typical customer profiles, here’s a general guide:

Card Type	Expected Limit Range	Income Requirement	Ideal For
UnionBank Gold Credit Card	₱50,000 – ₱200,000	₱30,000–₱35,000/month	First-time users, young professionals
UnionBank Platinum Credit Card	₱200,000 – ₱500,000	₱60,000–₱80,000/month	Frequent travelers, executives
UnionBank Cebu Pacific Platinum	₱200,000 – ₱400,000	₱50,000+/month	Travel-focused users
UnionBank Miles+ Platinum	₱250,000 – ₱600,000	₱70,000+/month	Business travelers
UnionBank Visa Infinite	₱500,000 – ₱1,000,000+	₱100,000+/month	High-income earners, entrepreneurs
UnionBank Reserve Card (Invite-only)	₱1,000,000+	Invite only	Ultra-premium clients

From this list, the UnionBank Visa Infinite and Reserve Card clearly stand out as having the highest possible limits — usually reserved for high-income earners and long-term clients with strong payment history.

🏆 The Highest-Limit UnionBank Cards

1. UnionBank Visa Infinite Credit Card

The Visa Infinite is UnionBank’s top-tier offering for premium customers. It’s known for:

Extremely high credit limits (₱500k–₱1M or more)
Travel insurance, lounge access, and concierge privileges
Priority banking and exclusive reward tiers

This card isn’t just for spending power — it’s a status symbol that comes with lifestyle perks designed for executives and frequent travelers.

2. UnionBank Reserve Card (Invite-Only)

If Visa Infinite is premium, UnionBank Reserve is elite. You can’t apply for it — you’re invited by the bank based on your financial history and long-term relationship.

It’s rumored to have multi-million peso credit limits, access to exclusive events, and personalized banking support.
Perfect for clients who spend and pay back regularly with high consistency.

3. UnionBank Platinum Credit Card

For those not yet ready for Infinite or Reserve tiers, UnionBank Platinum is the gateway to higher limits.
You’ll typically start with ₱200,000 and can request increases after 6–12 months of good usage.

Perks include:

Faster reward points
Travel protection
Higher approval for supplementary cards

This makes it an excellent option for entrepreneurs or experienced cardholders looking for a balance between affordability and privilege.

💡 How Does UnionBank Decide Your Credit Limit?

UnionBank uses several factors when assigning your card’s credit limit. Here’s what they consider:

1. Your Monthly Income

Your income largely determines your starting limit. A good rule of thumb:

Your credit limit is often 2–3 times your monthly salary.

So if you earn ₱60,000 per month, expect a ₱120,000–₱180,000 starting limit for Gold or Platinum cards.

2. Credit Score

If you’ve used loans or credit cards before and paid on time, your credit score helps you qualify for higher limits.

3. Existing Debt

If you already have multiple credit cards or loans, the bank might lower your limit to control risk.

4. Spending Behavior

If you’re a consistent spender who always pays on time, the bank may automatically increase your limit after 6–12 months.

5. Card Type

Premium cards like Platinum, Infinite, and Reserve automatically come with higher ceilings, provided you meet their income requirements.

📈 How to Get a Higher Credit Limit

Even if you start with a modest limit, there are ways to grow it over time.

1. Always Pay on Time

Late payments hurt your score and make the bank hesitant to increase your limit.

2. Use Your Card Regularly

Show consistent, responsible spending. If you rarely use your card, the bank won’t see the need for a limit increase.

3. Keep Balances Low

Avoid maxing out your limit every month. Staying below 30% of your limit shows discipline.

4. Request a Limit Review

After 12 months of good history, call UnionBank’s customer service to request a credit limit increase. Prepare proof of updated income (like a new payslip or ITR).

5. Upgrade to a Higher-Tier Card

If you’ve had your Gold card for over a year and maintained excellent payment history, you can upgrade to Platinum — which automatically raises your limit range.

🧮 Try the Credit Card Cost Calculator

If you’re curious how a high credit limit affects your monthly payments, check the
Credit Card Cost Calculator.

You can use it to:

Estimate your monthly repayment based on your spending
See how much interest accumulates if you don’t pay in full
Compare different credit limits side-by-side

This is perfect for first-time card users who want to understand how a credit card really works before using it heavily.

⚙️ How Credit Cards Work (Quick Refresher)

If you’re new to the world of credit cards, here’s a quick and simple explanation:

You spend now, pay later.
You’ll get a billing statement every month.
If you pay the full balance, no interest.
If you pay only the minimum, the rest earns interest (usually around 3% per month).
Repeat — as long as you stay within your limit.

Credit cards are a financial tool, not free money. Used correctly, they can help you build credit, earn rewards, and manage emergencies.

🚨 Common Issues with High Credit Limits

Having a large credit limit sounds great — but it also comes with responsibilities.
Here are a few common mistakes beginners make:

1. Overspending Because “There’s Room”

Just because you can spend ₱500,000 doesn’t mean you should. Always spend within your means.

2. Ignoring Interest Costs

High balances mean higher interest charges if you don’t pay in full. Use the calculator mentioned earlier to plan payments.

3. Late or Missed Payments

One missed payment on a Platinum or Infinite card can damage your credit score and cancel future limit increases.

4. Applying for Multiple Cards Too Soon

Stick to one or two cards first — build trust with the bank before diversifying.

📋 TL;DR Summary

Card Type	Typical Limit Range	Ideal For
Gold	₱50,000 – ₱200,000	First-time users
Platinum	₱200,000 – ₱500,000	Professionals & travelers
Visa Infinite	₱500,000 – ₱1,000,000+	High-income earners
Reserve (Invite-only)	₱1M+	VIP and private clients

Tip: Use the Credit Card Cost Calculator before maxing out your credit to estimate monthly payments and avoid interest surprises.

❓ FAQs: UnionBank Credit Card Limits

1. What is the highest possible UnionBank credit limit?
The highest is offered through the UnionBank Reserve or Visa Infinite cards, often exceeding ₱1 million.

2. Can I request a credit limit increase anytime?
Yes, after showing good payment history for at least 6 months and submitting updated income documents.

3. Does UnionBank automatically increase limits?
Sometimes, yes — for consistent on-time payers with healthy spending patterns.

4. Will a high limit hurt my credit score?
No, as long as you don’t use it irresponsibly. In fact, a high limit with low utilization can improve your score.

5. What happens if I exceed my limit?
Your transaction may be declined, and you could face penalties or temporary account suspension.

🏁 Final Thoughts

If you’re aiming for a high credit limit, go for UnionBank Platinum, Visa Infinite, or Reserve — but only if your income and lifestyle match the responsibility.

For beginners, start with Gold, build your credit, and upgrade later.
Remember: what matters most is how you manage your credit, not how big the number on your card is.

Use tools like the Credit Card Cost Calculator to stay in control — because being financially smart is the real sign of credit card success.

Which UnionBank Credit Card Offers the Highest Limit?