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Unionbank Credit Card: Rewards and Features Review

Updated June 11, 2018
Is it your first time to get a credit card?
Application for a credit card can be overwhelming. Aside from attractive promos and features, you must not forget to check the fees and penalties it comes with.
Let’s take a look are Unionbank credit cards.

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UnionBank Credit Cards for Travel

Cebu Pacific GetGo Platinum Credit Card

  • 1 GetGo Point for every P30 spend
  • Automatic Crediting of Points to your GetGo account
  • Early alerts to Cebu Pacific seat sales

Cebu Pacific GetGo Credit Card

  • 1 GetGo Point for every P30 spend
  • Automatic Crediting of Points to your GetGo account
  • Early alerts to Cebu Pacific seat sales

UnionBank Miles+ Platinum Visa Card

  • 5X Points for every P25 spend on Travel-related
  • Convert points to cash or PAL Mabuhay Miles

UnionBank Credit Cards for Cash Back

UnionBank Platinum MasterCard

  • 5% cash back on all your purchases
  • Free access to the Club Manila Lounge
  • Cash backs never expire
  • No caps on the cash back you earn

UnionBank Gold MasterCard

  • 5% cash back on all your purchases
  • Cash backs never expire
  • No caps on the cash back you earn

UnionBank Credit Cards for Rewards

UnionBank Platinum Visa Card

  • Free travel assistance
  • Free access to Club Manila Lounge
  • 24/7 access to a dedicated Visa Platinum Concierge

UnionBank Gold Visa Card

  • 1 Point for every P35 spend
  • Shopping gift certificates from SM malls, Ayala malls, and Rustan’s
  • Transfer points to PAL’s Mabuhay Miles Frequent Flyer Program
  • Get SM Movie Passes

UnionBank Classic Visa Card

  • 1 Point for every P35 spend
  • Shopping gift certificates from SM malls, Ayala malls, and Rustan’s
  • Cash Credits for a minimum of P100 from your points

UnionBank Credit Card Promos

  • For a minimum of two (2) movie tickets at SM Cinemas, you can get a free regular popcorn from SnackTime counter.
  • 10% discount on the Identity apparel from Identity Lazada Marketplace
  • 0% installment when you shop at Abenson or ElectroWorld with a minimum purchase of P3,000
  • O% interest on 3-months installment with a minimum of P5,000 single-receipt purchase.
  • Dining privileges at select partner establishments only for UnionBank Visa Platinum cardholders

UnionBank Credit Card Features

Unionbank Credit Card Worldwide Acceptance

Shops and other establishments all over the world usually accept VISA and MasterCard. You can bring your credit card along in your adventures overseas and gain rebates, rewards, and exclusive promos.

Unionbank Credit Card Account Access

You can get access to your UnionBank Credit Card Account online wherever you are around the globe.

Unionbank Credit Card Email Statement of Account

Have your billing statement emailed to your registered e-mail address. The e-statements are emailed two days after your billing cycle.

Unionbank Credit Card 24-Hour Customer Service

Get assistance 24/7 via telephone, postal mail, fax, email or through the Unionbank website.

Unionbank Credit Card Cash Advance Facility

You can request a Cash Advance PIN should you need to withdraw some cash from your credit card. The amount will be deducted from your credit limit and an interest rate will be charged from the day you withdrew the cash until you settle the outstanding bill. Do not be surprised if you get charged a processing fee.

Unionbank Credit Card Longer Credit Terms

If you settle your dues diligently, you can get a grace period of up to 53 days credit from your cutoff date to your due date without any interest charge.

Unionbank Credit Card Flexible Monthly Payment

You can pay the minimum amount of 5% of total outstanding balance or P500 to avoid the late payment fee. However, unless you settle the bill, you will be charged an interest rate. Pay off your outstanding balance as soon as possible to avoid records of delinquencies on your credit history.

Unionbank Credit Card Payment Convenience

You can access UnionBank branches nationwide and even make transactions with thousands of MegaLink and Bancnet ATMs.

Unlimited Number of Supplementary Card

Your family and friends ages 14 years old and above can get a supplementary card under your principal card.

Unionbank Credit Card Auto-Insurance Installment Plan

Under the Roadside Assistance Program, flat tire change, free towing, ambulance assistance, 24hour assistance hotline are covered. You have to register first to get these benefits.

Unionbank Credit Card Credit Life Insurance

In the event of untimely accidents which may lead to death or permanent disability, UnionBank will help you secure your finances with U-Protect and U-Secure. This covers cardholders ages 21 to 59.
If you get into an accident which leaves you temporarily unable to work, Unionbank will let you pay 5% of your balance or P500 without any blow on your credit rating. If the accident causes permanent disability or death, the family or the cardholder will receive P400, 000. The premium costs P0.36 per P100 of the statement balance. If you pay your balance before the bill is issued (which makes your statement balance 0), the premium will not be charged at all.

Unionbank Credit Card Discount Program

With the Unionbank Credit Cards, you can enjoy various deals and discounts. Receive deals in dining, beauty, health and wellness, hotels, resorts, golfs and country clubs and various retail stores.

Unionbank Credit Card Rewards Program

Cash rebates, free plane tickets, free gas, and shopping items are rewarded to cardholders depending on their specific credit cards. Before being entitled to the rewards, you must meet the specific terms and conditions. Also, be sure to check if there is an expiration for the promos or rewards points. Rebates may also be capped.

Unionbank Credit Card Auto-Charge Facility

Auto-charging your bills with the Credit Card Bill Manager Facility is convenient if you always get a hard time remembering due dates. Just make sure that you have enough funds in your account or else your bill payments will not be processed.
Upon approval of your facility enrolment, the bills will be charged monthly. No receipt will be given to you and the payment will just be reflected in your bill. If you want to cancel the agreement, you need to send a written request and wait for 15 days. If your utility bills are not processed by the bank, you might not get prompt updates.

Unionbank Credit Card Installment Program

This is a payment plan which offers cardholders up to 36 monthly installment terms at 0% interest. If you have been wanting to buy a home theater, a luxury bag, a branded watch or a ticket to a grand getaway, then this payment term gives you the affordable chance. With a minimum purchase of P3, 000 and depending on the partnering store’s condition, you can avail the program conveniently.
Note that the 0% interest rate is only applicable to certain items at participating stores. You also have to pay your bill on time to avoid other additional fees.

UnionBank Credit Card Hotline

UnionBank Customer Service: (632) 8418600 (Metro Manila)
Domestic Toll Free: 1-800-1888-22-77 (outside Metro Manila)
Universal Toll Free: IAC+800-82772273
Premier Customer Service Desk number (632) 631-7528 is only for Platinum, Gold and Titanium Cardholders only.

Final Thoughts on Unionbank Credit Cards

With all the benefits and features a credit card can give you, remember that these are also accompanied by certain terms and conditions. Some deals can only be gained if you pay the required minimum amount. This usually entices cardholders to spend more.
Remember that credit cards are a way which bank uses to earn money. Know the fees you might get charged with such as the cash advance interest rate, late payment penalties, and annual fees to avoid bill shock.
For emergencies, it is still best to get a personal loan rather than use the credit card cash advance.
Do not just focus on the seemingly perfect deals. Choose a card which lets you gain deals while smartly spending on your needs.

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