UnionBank S&R Visa Platinum: fees, interest and requirements
The UnionBank S&R Visa Platinum has no card fee but charges a membership fee to the card, charges 3% a month on unpaid balances and needs a minimum income of ₱180,000 a year.
Verdict: Skip it if you earn under ₱180,000 a year or if you spend a lot abroad (3.525% foreign fee).
From UnionBank Table of Fees, as of July 2025. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
UnionBank's closest card is the UnionBank Cash Back Visa Platinum. 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 S&R Visa Platinum gives you
- 3% rebate at S&R, 1% on dining and shopping, 0.5% on everything else UnionBank page
- Get 3% rebates on your S&R spend same page
- Get 1% rebate on Dining and Shopping and 0.5% rebates on all other spend same page
- Free S&R Pizza for every Php 30,000 out of store spend (capped at 4 pizzas per year) same page
- Ensure your membership stays active without any hassle or interruptions same page
UnionBank S&R Visa Platinum downsides, and what a late payment costs
- No card fee, but the S&R membership fee is charged to the card on renewal.
- Foreign currency purchases cost 3.525% 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 (₱500 on a ₱20,000 statement) by the due date, or the full balance to pay no interest.
UnionBank S&R Visa Platinum annual fee, interest and charges
| Charge | UnionBank S&R Visa Platinum | When, and the rule |
|---|---|---|
| Annual fee | No card fee Supplementary: free | No card fee, but the S&R membership fee is charged to the card on renewal. Fee table: No credit card annual feeUnionBank 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 | 3.525% | 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 ₱180,000 a year (about ₱15,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: UnionBank contact and requirements.
Apply for the UnionBank S&R Visa Platinum 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 S&R Visa Platinum UnionBank | No card fee membership fee charged | 3% | - | ₱180,000 a year |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| PNB Cashback Titanium Mastercard PNB | ₱2,500 a year first year free | 3% | ₱3,712 | ₱120,000 a year |
| Maya Black Credit Card Maya | No annual fee if used monthly | 3% | ₱1,212 | ₱180,000 a year |