UnionBank Platinum Mastercard (card number starts with 552097): fees, interest and requirements
The UnionBank Platinum Mastercard (card number starts with 552097) has an annual fee of ₱5,000 a year and charges 3% a month on unpaid balances.
Verdict: Worth it if you fly often enough that its miles or lounge access are worth more than ₱5,000 a year to you.
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 ₱5,000 annual fee and a year comes to ₱6,212, 103rd lowest of 127 cards open to the public (tied with 10).
UnionBank's closest card is the UnionBank Miles+ World Mastercard. Against it, this card earns rewards on different terms, charges a different foreign transaction fee 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 Platinum Mastercard (card number starts with 552097) gives you
- 1 point per ₱30 spent, 3x on shopping, dining and foreign currency spend UnionBank page
- Use your points to redeem cash credits, merchandise, gadgets, and more same page
- Get rewarded with 5,000 points upon the renewal of your card if you have charged retail purchases of at least PHP500,000 same page
- VIP lounge access at select lounges here and abroad with free DragonPass Membership and two (2) complimentary visits per membership year same page
- Up to PHP1 million in insurance coverage when you charge your travel tickets to UnionBank Platinum Mastercard Credit Card same page
Who should get the UnionBank Platinum Mastercard (card number starts with 552097)
| If | Then |
|---|---|
| You pay in full every month and want a travel and miles card | The Maya Black Credit Card (Maya) needs ₱180,000 a year in income and costs ₱5,000 a year less as long as you use it monthly. Pick the UnionBank Platinum Mastercard (card number starts with 552097) only if its rewards are worth more than that to you. |
UnionBank Platinum Mastercard (card number starts with 552097) downsides, and what a late payment costs
- The ₱5,000 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 Platinum Mastercard (card number starts with 552097) annual fee, interest and charges
| Charge | UnionBank Platinum Mastercard (card number starts with 552097) | When, and the rule |
|---|---|---|
| Annual fee | ₱5,000 a year Supplementary: ₱2,500 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 | ₱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 Platinum Mastercard (card number starts with 552097) 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 Platinum Mastercard (card number starts with 552097) UnionBank | ₱5,000 a year | 3% | ₱6,212 | - |
| BDO Visa Platinum BDO | ₱4,500 a year waived above a spend | 3% | ₱5,712 | ₱924,000 a year |
| BDO JCB Platinum BDO | ₱4,500 a year waived above a spend | 3% | ₱5,712 | ₱924,000 a year |
| Security Bank Platinum Mastercard Security Bank | ₱4,000 a year first year free | 3% | ₱5,212 | ₱780,000 a year |