UnionBank Miles+ Platinum Visa: fees, interest and requirements
The UnionBank Miles+ Platinum Visa has an annual fee of ₱3,000 a year, charges 3% a month on unpaid balances and needs a minimum income of ₱600,000 a year.
Verdict: Worth it if you fly often enough that its miles or lounge access are worth more than ₱3,000 a year to you. Skip it if you earn under ₱600,000 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 ₱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 Platinum Visa. Against it, this card 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 Miles+ Platinum Visa gives you
- 1 point per ₱25 spent, 1.5 points on travel spend; redeem as cash back, airline miles or fee waivers UnionBank card page
- Free airport lounge access same page
- Free Travel Insurance same page
Who should get the UnionBank Miles+ Platinum Visa
| If | Then |
|---|---|
| You pay in full every month and want a travel and miles card | The Maya Black Credit Card (Maya) asks the same or a lower income and costs ₱3,000 a year less as long as you use it monthly. Pick the UnionBank Miles+ Platinum Visa only if its rewards are worth more than that to you. |
UnionBank Miles+ Platinum Visa downsides, and what a late payment costs
- The ₱3,000 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 (₱800 on a ₱20,000 statement) by the due date, or the full balance to pay no interest.
UnionBank Miles+ Platinum Visa annual fee, interest and charges
| Charge | UnionBank Miles+ Platinum Visa | 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 | 2% | UnionBank card page |
Figures from UnionBank Table of Fees, as of July 2025, UnionBank credit card requirements. 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 ₱600,000 a year (about ₱50,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: UnionBank contact and requirements.
Apply for the UnionBank Miles+ Platinum 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 Miles+ Platinum Visa UnionBank | ₱3,000 a year | 3% | ₱4,212 | ₱600,000 a year |
| PNB JCB Platinum PNB | ₱3,000 a year first year free | 3% | ₱4,212 | ₱600,000 a year |
| EastWest JCB Gold EastWest | ₱2,500 a year first year free | 3% | ₱3,712 | ₱480,000 a year |
| BDO Diners Club International BDO | ₱250 a month first year free | 3% | ₱4,212 | ₱396,000 a year |