UnionBank Cebu Pacific Gold: fees, interest and requirements
The UnionBank Cebu Pacific Gold has an annual fee of ₱3,000 a year, charges 3% a month on unpaid balances and needs a minimum income of ₱360,000 a year.
Verdict: Worth it if the points you redeem are worth more than ₱3,000 a year. Skip it if you earn under ₱360,000 a year or if you spend a lot abroad (3% 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 ₱3,000 annual fee and a year comes to ₱4,212, 64th lowest of 127 cards open to the public (tied with 14).
UnionBank's closest card is the UnionBank Go Rewards Gold Visa. 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 Cebu Pacific Gold gives you
- 1 Go Rewards point per ₱200 spent, per ₱100 on Cebu Pacific; points go toward flights UnionBank card page
- Early alerts to Cebu Pacific seat sales same page
- Free Baggage Allowance same page
- Priority Boarding same page
Who should get the UnionBank Cebu Pacific Gold
| If | Then |
|---|---|
| You pay in full every month and want a rewards points card | The PNB Essentials Mastercard (PNB) asks the same or a lower income and costs ₱1,800 a year less. Pick the UnionBank Cebu Pacific Gold only if its rewards are worth more than that to you. |
UnionBank Cebu Pacific Gold downsides, and what a late payment costs
- The ₱3,000 yearly fee has no waiver on the fee table.
- Foreign currency purchases cost 3% 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 (₱800 on a ₱20,000 statement) by the due date, or the full balance to pay no interest.
UnionBank Cebu Pacific Gold annual fee, interest and charges
| Charge | UnionBank Cebu Pacific Gold | When, and the rule |
|---|---|---|
| Annual fee | ₱3,000 a year Supplementary: ₱1,500 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 | ₱800 on a ₱20,000 first statement | Paying only the minimum, ₱20,000 takes about 109 months to clear and about ₱35,484 in interest. How UnionBank bills. same table |
| Late payment | ₱1,500 | same table |
| Foreign transactions | 3% | 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 ₱360,000 a year (about ₱30,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: UnionBank contact and requirements.
Apply for the UnionBank Cebu Pacific Gold 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 Cebu Pacific Gold UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱360,000 a year |
| Toyota Platinum Mastercard Metrobank | ₱2,800 a year first year free | 3% | ₱4,012 | ₱350,000 a year |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| Metrobank Rewards Plus Visa Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |