UnionBank credit cards
UnionBank offers 26 consumer credit cards, with annual fees from ₱0 to ₱12,000, interest of 3% a month.
For card concerns, call UnionBank at (+632) 8841-8600 or 1-800-1888-2277 (24 hours, for all UnionBank customers including cardholders. The 1-800 number is toll-free from PLDT landlines).
The cheapest UnionBank card to hold and carry a ₱20,000 balance on for 3 months is the UnionBank Rewards Secured Credit Card at ₱1,212, 2nd of 127 cards open to the public; the lowest income asked is ₱180,000 a year, on the UnionBank Rewards Platinum Mastercard.
Fees and rates as printed on UnionBank's fee table (dated July 2025); contact and application details from UnionBank's own site; the interest ceiling is set by the Bangko Sentral ng Pilipinas in BSP Circular No. 1165, s.2023.
BSP supervised: Union Bank of the Philippines, universal and commercial bank, BSP institution ID 3, is on the BSP Verifier list dated Sep 28, 2026.
UnionBank credit card hotline and customer service
| Card hotline | (+632) 8841-8600 or 1-800-1888-2277 24 hours, for all UnionBank customers including cardholders. The 1-800 number is toll-free from PLDT landlines.UnionBank contact page |
|---|---|
| Calling from abroad | (IAC) + 800-8277-2273 International toll-free: dial your country's access code first (for example 11 from Australia, 10 from Japan, 0 from Korea).UnionBank contact page |
| Other channel | UnionBank Online app: manage your cards, and report and replace a lost card bank page |
Call only the numbers printed on UnionBank's own site.
How to apply for a UnionBank credit card
Where to apply: Apply online at apply.cc-pl.unionbankph.com and pick your card; for the secured card, apply in the UnionBank Online app (For U, then Secured Credit Card), through your relationship manager or at a branch. bank page
UnionBank credit card requirements
Who can apply
- 21 to 70 years old
- A resident of the Philippines with a valid Philippine billing address
- A postpaid line or postpaid mobile phone
- A TIN and an SSS, GSIS or UMID number
- Any credit cards with other banks current and in good standing
Requirements as the bank lists them
Documents if you are employed
- Completed application form
- Copy of one valid government ID with photo and signature
- Proof of income, one of: ITR or BIR Form 2316; COE or employment contract; last 3 months' payslips; proof of pension; or last 3 months' statements from another bank
Requirements as the bank lists them
Documents if you are self-employed or a freelancer
- Latest ITR (BIR Form 1700 or 1701) with a BIR or bank stamp
Requirements as the bank lists them
Other applicants
- Foreign applicants: an ACR, or a valid passport plus proof of local residence (ICR, ACR I-Card that is permanent or valid over 1 year, visa with work permit or AEP valid over 1 year, SRIV or SRRV)
Requirements as the bank lists them
The income tax return asked of self-employed applicants is the annual BIR Form 1701. The certificate employees attach is BIR Form 2316, which your employer issues.
Income: each card has its own floor, from ₱180,000 a year on the UnionBank Rewards Platinum Mastercard. The table below shows every card's.
UnionBank secured credit card
UnionBank Rewards Secured Credit Card: For UnionBank savings depositors who have no credit card yet. You place ₱20,000 to ₱165,000 from your UnionBank peso savings account, locked for at least 12 months, and your limit is 90% of it (₱18,000 on ₱20,000). No income documents are needed; an unpaid balance can be taken from the deposit. Minimum deposit: ₱20,000. bank page
A secured card is the usual route when you have no card history or your income is below the bank's floor. Compare it with other first cards on the beginner list.
Which UnionBank card to pick
| If | Pick | Why | Watch out |
|---|---|---|---|
| You want the lowest cost | UnionBank Rewards Secured Credit Card | Cheapest UnionBank card on a ₱20,000 balance paid off in 3 months plus a year of fees: ₱1,212. | The no-fee terms depend on use: no annual fee for life if you use the card at least once within 60 days of approval (promo terms apply). |
| You are applying for your first card | UnionBank Rewards Platinum Mastercard | Lowest stated income requirement at UnionBank: ₱180,000 a year. | The ₱2,500 yearly fee has no waiver on the fee table. |
| You want a travel and miles card | UnionBank Gold Visa | Lowest yearly fee among UnionBank's travel and miles cards: ₱2,500 a year. | The ₱2,500 yearly fee has no waiver on the fee table. |
| You want a cash back card | UnionBank Gold Mastercard | Lowest yearly fee among UnionBank's cash back cards: ₱2,500 a year. | The ₱2,500 yearly fee has no waiver on the fee table. |
Every UnionBank card compared
Source: UnionBank fees and charges and each card's product page. Networks: Mastercard, Visa.
How UnionBank bills: minimum due, fees and interest
| Minimum amount due (fee table 1) | 4% of the total amount due (after past-due, over-limit and billed instalment amounts, which are added in full), or ₱400, whichever is higher. Applies to 13 of the 26 cards. On a first statement of ₱20,000 in new purchases, that is ₱800. Paying only the minimum at 3% a month, with no new spending, ₱20,000 takes about 109 months to clear and costs about ₱35,484 in interest. source |
|---|---|
| Minimum amount due (fee table 2) | 1% of the total amount due, plus billed interest, late charges and past-due amounts in full, plus 1% of unbilled instalment principal, or ₱500, whichever is higher. Applies to 12 of the 26 cards. On a first statement of ₱20,000 in new purchases, that is ₱500. source |
| Late payment fee | ₱1,500 or the unpaid minimum amount due, whichever is lower. 24 cards. UnionBank Table of Fees, as of July 2025 |
| Late payment fee | No late payment fee on U cards. UnionBank U Platinum Mastercard, UnionBank U Visa Platinum. UnionBank Table of Fees, as of July 2025 |
| Foreign transactions | 1% Visa or Mastercard assessment fee plus up to 2.525% UnionBank service fee. 6 cards. UnionBank Table of Fees, as of July 2025 |
| Foreign transactions | 3.525% total: 1% network assessment fee plus up to 2.525% UnionBank service fee. 6 cards. UnionBank card comparison |
| Foreign transactions | 3% total: 1% network assessment fee plus up to 2% UnionBank service fee (Gold and Classic). 4 cards. UnionBank card comparison |
| Foreign transactions | 3% total: 1% network assessment fee plus UnionBank service fee. UnionBank Classic Visa, UnionBank Gold Mastercard, UnionBank Gold Visa. UnionBank credit card requirements |
| Foreign transactions | 2% total: 1% network assessment fee plus UnionBank service fee. UnionBank Miles+ Platinum Visa, UnionBank Platinum Visa, UnionBank Go Rewards Platinum Visa. UnionBank credit card requirements |
| Foreign transactions | Only the 1% Visa or Mastercard assessment fee; UnionBank adds no service fee. UnionBank Reserve Visa Infinite, UnionBank Reserve World Elite Mastercard. UnionBank Table of Fees, as of July 2025 |
| Foreign transactions | 2% total: 1% network assessment fee plus up to 1% UnionBank service fee (Platinum). UnionBank Cebu Pacific Platinum. UnionBank card comparison |
| When the annual fee is billed | UnionBank Reserve Visa Infinite and UnionBank Reserve World Elite Mastercard: The annual fee appears on the first statement, then yearly after that, and UnionBank says it cannot be waived. source |
| Annual fee waiver | UnionBank U Platinum Mastercard and U Visa Platinum: No annual fee for life, and no over-limit or late fees. bank page |
| Annual fee waiver | UnionBank S&R Visa Platinum: No annual fee. bank page |
| Annual fee waiver | UnionBank Rewards Secured Credit Card: No annual fee for life if you spend any amount within 60 days of approval. bank page |
| Fee table date | July 2025. source |
| BSP ceilings | 36% a year (3% a month) on interest, a 1% a month add-on on instalments, and ₱200 on the cash advance processing fee with no other fee allowed, under BSP Circular No. 1165, s.2023. BSP Circular No. 1165, s.2023 |
To see what a balance costs at UnionBank's rate, use the credit card interest calculator.
Paying your UnionBank card, and promos
- UnionBank Online app (real time), UnionBank branches and ATMs (next day)
- Robinsons Department Store and SM Bills Payment (The SM Store, SM Hypermarket, SM Supermarket, Savemore, SM Business Services, Alfamart), within 3 banking days
- Metrobank, BDO, BPI and BancNet online banking or ATMs, within 3 banking days
- InstaPay or PESONet transfer from another bank (same day)
Payment channels from UnionBank
Promos change every few weeks. See the current ones on UnionBank's credit card promos page.
UnionBank credit card questions
What is the UnionBank credit card hotline?
(+632) 8841-8600 or 1-800-1888-2277 (24 hours, for all UnionBank customers including cardholders. The 1-800 number is toll-free from PLDT landlines). From abroad: (IAC) + 800-8277-2273. These are the numbers on UnionBank's own website.
How do I apply for a UnionBank credit card?
Apply online at apply.cc-pl.unionbankph.com and pick your card; for the secured card, apply in the UnionBank Online app (For U, then Secured Credit Card), through your relationship manager or at a branch.
What are the requirements for a UnionBank credit card?
21 to 70 years old; A resident of the Philippines with a valid Philippine billing address; A postpaid line or postpaid mobile phone; A TIN and an SSS, GSIS or UMID number; Any credit cards with other banks current and in good standing. Employed applicants submit: Completed application form; Copy of one valid government ID with photo and signature; Proof of income, one of: ITR or BIR Form 2316; COE or employment contract; last 3 months' payslips; proof of pension; or last 3 months' statements from another bank. The lowest income UnionBank states for a card it offers to the public is ₱180,000 a year, on the UnionBank Rewards Platinum Mastercard.
How much is the UnionBank credit card annual fee, and can it be waived?
Annual fees run from ₱0 to ₱12,000. 3 cards have no annual fee: UnionBank Rewards Secured Credit Card, UnionBank U Platinum Mastercard, UnionBank U Visa Platinum. UnionBank U Platinum Mastercard and U Visa Platinum: No annual fee for life, and no over-limit or late fees. UnionBank S&R Visa Platinum: No annual fee. UnionBank Rewards Secured Credit Card: No annual fee for life if you spend any amount within 60 days of approval.
What is the UnionBank credit card interest rate?
3% a month on balances left unpaid after the due date; the BSP cap is 3% a month (36% a year). The minimum amount due is 4% of the total amount due (after past-due, over-limit and billed instalment amounts, which are added in full), or ₱400, whichever is higher.
How do I pay my UnionBank credit card bill?
UnionBank Online app (real time), UnionBank branches and ATMs (next day); Robinsons Department Store and SM Bills Payment (The SM Store, SM Hypermarket, SM Supermarket, Savemore, SM Business Services, Alfamart), within 3 banking days; Metrobank, BDO, BPI and BancNet online banking or ATMs, within 3 banking days; InstaPay or PESONet transfer from another bank (same day).
What is the best UnionBank credit card?
On cost, the UnionBank Rewards Secured Credit Card (₱1,212 on a ₱20,000 balance over 3 months plus a year of fees, 2nd of 127 cards open to the public). For a first card, the UnionBank Rewards Platinum Mastercard asks for the least income.
Cards and your taxes
Card fees and interest do not lower the tax on a salary: Section 34 of the Tax Code allows no deductions against compensation income. A self-employed cardholder who takes the 40% optional standard deduction gets it in place of itemized expenses, so card charges do not reduce tax there either.