UnionBank Cash Back Titanium Mastercard: fees, interest and requirements
The UnionBank Cash Back Titanium Mastercard has an annual fee of ₱4,500 a year and charges 3% a month on unpaid balances.
Verdict: Worth it if the cash back on your own spending comes to more than ₱4,500 a year.
From UnionBank Table of Fees, as of July 2025. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add the ₱4,500 annual fee and a year comes to ₱5,712, 96th lowest of 127 cards open to the public (tied with 5).
UnionBank's closest card is the UnionBank Platinum Mastercard (card number starts with 552097). Against it, this card costs ₱4,500 a year instead of ₱5,000, earns rewards on different terms and has different perks.
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.
What the UnionBank Cash Back Titanium Mastercard gives you
- Up to 6% on supermarket purchases, up to 2% on Meralco bills, 0.20% on everything else UnionBank page
- Get up to 6% rebates on supermarket purchases same page
- Up to 2% Cash Back on Meralco bill payments through UnionBank Online same page
- Just spend at least PHP10,000 per month on non-Meralco and non-supermarket purchases to maximize your rebates same page
- Earn 0.20% cash back on all other purchases same page
Who should get the UnionBank Cash Back Titanium Mastercard
| If | Then |
|---|---|
| You pay in full every month and want a cash back card | The Security Bank Wave Mastercard (Security Bank) needs ₱480,000 a year in income and costs ₱4,500 a year less. Pick the UnionBank Cash Back Titanium Mastercard only if its rewards are worth more than that to you. |
UnionBank Cash Back Titanium Mastercard downsides, and what a late payment costs
- The ₱4,500 yearly fee has no waiver on the fee table.
If you pay late: UnionBank charges up to ₱1,500, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due (₱500 on a ₱20,000 statement) by the due date, or the full balance to pay no interest.
UnionBank Cash Back Titanium Mastercard annual fee, interest and charges
| Charge | UnionBank Cash Back Titanium Mastercard | When, and the rule |
|---|---|---|
| Annual fee | ₱4,500 a year Supplementary: ₱2,250 a year | UnionBank fee table, July 2025 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| Cash advance | ₱200 a withdrawal | The BSP maximum (Circ. 1165). same table |
| Minimum due | ₱500 on a ₱20,000 first statement | How UnionBank bills. same table |
| Late payment | ₱1,500 | same table |
| Foreign transactions | See the rule | 1% Visa or Mastercard assessment fee plus up to 2.525% UnionBank service fee. same table |
Figures from UnionBank Table of Fees, as of July 2025. BSP ceilings: BSP Circular No. 1165, s.2023. How UnionBank words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: UnionBank billing rules.
Requirements and how to apply
Apply with the button below. Channels, documents, status and hotline: UnionBank contact and requirements.
Apply for the UnionBank Cash Back Titanium Mastercard on UnionBank's site
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| UnionBank Cash Back Titanium Mastercard UnionBank | ₱4,500 a year | 3% | ₱5,712 | - |
| HSBC Live+ Credit Card HSBC | ₱5,000 a year first year free | 3% | ₱6,212 | ₱400,000 a year |
| BDO American Express Cashback Credit Card BDO | ₱250 a month first year free | 3% | ₱4,212 | ₱396,000 a year |
| Toyota Platinum Mastercard Metrobank | ₱2,800 a year first year free | 3% | ₱4,012 | ₱350,000 a year |