UnionBank Cash Back Visa Platinum: fees, interest and requirements
The UnionBank Cash Back Visa Platinum has an annual fee of ₱4,500 a year, charges 3% a month on unpaid balances and needs a minimum income of ₱180,000 a year.
Verdict: Worth it if the cash back on your own spending comes to more than ₱4,500 a year. Skip it if you earn under ₱180,000 a year or if you spend a lot abroad (3.525% foreign fee).
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 S&R Visa Platinum. Against it, this card 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 Visa Platinum gives you
- Up to 6% on groceries, up to 2% on Meralco bills, 0.20% on everything else UnionBank card page
- Up to 6% rebates on Groceries same page
- Up to 2% rebate on Meralco bills. 0.20% on everything else same page
- Save as much as Php15,000 per year same page
Who should get the UnionBank Cash Back Visa Platinum
| If | Then |
|---|---|
| You pay in full every month and want a cash back card | The PNB Cashback Titanium Mastercard (PNB) asks the same or a lower income and costs ₱2,000 a year less. Pick the UnionBank Cash Back Visa Platinum only if its rewards are worth more than that to you. |
UnionBank Cash Back Visa Platinum downsides, and what a late payment costs
- The ₱4,500 yearly fee has no waiver on the fee table.
- Foreign currency purchases cost 3.525% extra.
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 Visa Platinum annual fee, interest and charges
| Charge | UnionBank Cash Back Visa Platinum | 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 | 3.525% | UnionBank card page |
Figures from UnionBank Table of Fees, as of July 2025, UnionBank card comparison. 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
Income: at least ₱180,000 a year (about ₱15,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: UnionBank contact and requirements.
Apply for the UnionBank Cash Back Visa Platinum 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 Visa Platinum UnionBank | ₱4,500 a year | 3% | ₱5,712 | ₱180,000 a year |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| PNB Cashback Titanium Mastercard PNB | ₱2,500 a year first year free | 3% | ₱3,712 | ₱120,000 a year |
| Metrobank Rewards Plus Visa Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |