UnionBank Reserve Visa Infinite: fees, interest and requirements
The UnionBank Reserve Visa Infinite has an annual fee of ₱12,000 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 ₱12,000 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 ₱12,000 annual fee and a year comes to ₱13,212, 125th lowest of 127 cards open to the public (tied with 1).
UnionBank's closest card is the UnionBank Reserve World Elite Mastercard. Against it, this card earns rewards on different terms, runs on Visa, not Mastercard 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 Reserve Visa Infinite gives you
- 5x points on local dining, shopping and all foreign currency spend UnionBank card page
- Complimentary 4th night free at any hotel booked through the concierge, twice (2x) per calendar year same page
- Complimentary Priority Pass Membership for primary cardmembers with unlimited access to over 1,500 VIP airport lounges worldwide Complimentary Airport Meet and Assist services and one-way luxury airport transfers for primary cardmembers at select airports, twice (2x) per calendar year same page
Who should get the UnionBank Reserve Visa Infinite
| 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 ₱12,000 a year less as long as you use it monthly. Pick the UnionBank Reserve Visa Infinite only if its rewards are worth more than that to you. |
UnionBank Reserve Visa Infinite downsides, and what a late payment costs
- The ₱12,000 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 Reserve Visa Infinite annual fee, interest and charges
| Charge | UnionBank Reserve Visa Infinite | When, and the rule |
|---|---|---|
| Annual fee | ₱12,000 a year Supplementary: ₱6,000 a year | Cannot be waived. Supplementary card fee waived for up to 7 accounts. 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 | 1% | 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 Reserve Visa Infinite 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 Reserve Visa Infinite UnionBank | ₱12,000 a year | 3% | ₱13,212 | - |
| 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 |