UnionBank Mercury Drug Visa: fees, interest and requirements
The UnionBank Mercury Drug Visa has an annual fee of ₱2,000 a year and charges 3% a month on unpaid balances.
Verdict: Worth it if the points you redeem are worth more than ₱2,000 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 ₱2,000 annual fee and a year comes to ₱3,212, 39th lowest of 127 cards open to the public (tied with 2).
UnionBank's closest card is the UnionBank U Visa Platinum. Against it, this card costs ₱2,000 a year instead of nothing 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 Mercury Drug Visa gives you
- 1 point per ₱200 spent, 5x at Mercury Drug (on up to ₱320,000 spend) and on health, beauty and wellness, 3x on foreign currency UnionBank card page
- 5X points on up to P320,000 spend in Mercury Drug same page
- 5X points on health, beauty, and wellness spend including clinics, spas, gyms, salons and ALL hospitals same page
- 3X points on foreign currency spend same page
Who should get the UnionBank Mercury Drug Visa
| If | Then |
|---|---|
| You pay in full every month and want a rewards points card | The EastWest Puregold Always Panalo Visa (EastWest) needs ₱480,000 a year in income and costs ₱800 a year less. Pick the UnionBank Mercury Drug Visa only if its rewards are worth more than that to you. |
UnionBank Mercury Drug Visa downsides, and what a late payment costs
- The ₱2,000 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 Mercury Drug Visa annual fee, interest and charges
| Charge | UnionBank Mercury Drug Visa | When, and the rule |
|---|---|---|
| Annual fee | ₱2,000 a year Supplementary: ₱900 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 Mercury Drug Visa 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 Mercury Drug Visa UnionBank | ₱2,000 a year | 3% | ₱3,212 | - |
| EastWest Dolce Vita Titanium Mastercard EastWest | ₱2,000 a year first year free | 3% | ₱3,212 | ₱480,000 a year |
| BDO Visa Classic BDO | ₱150 a month first year free | 3% | ₱3,012 | ₱180,000 a year |
| BDO Standard Mastercard BDO | ₱150 a month first year free | 3% | ₱3,012 | ₱180,000 a year |