Union Bank Credit Card: Features And Benefits

Union Bank Credit Card is one of the most sought-after today. It offers a wide range of benefits that are sure to satisfy your needs. You can enjoy cashback, discounts on fuel, and exclusive offers just for Union Bank cardholders.

There are also great protection features like purchase insurance and extended warranty, so you never have to worry about being left out when it comes to perks! But if you’re still wondering about this, check out this post to discover more about their features.

What Is A Union Bank Credit Card?

UnionBank credit cards deliver many features and benefits, such as flexible monthly payments, long credit terms, and 0% interest for an installment program. They will also let you share card access with your family members if needed!

If you’re looking to take advantage of the bank’s credit cards, then a UnionBank card is perfect. They offer exclusive discounts on dining and shopping that can’t be found anywhere else!

See also: Union Bank Philippines – All Information About The Bank

What Are The Types Of Union Bank Credit Cards?

Union Bank offers several options if you’re looking for a card to make your everyday spending easier. Their credit cards come with rewards and low-interest rates so that every penny spent counts!

The following types of bank union credits are best:

UnionBank Home Depot Visa Card

Features

  • For every  ₱20 spent, earn one reward point.
  • At Home Depot locations, you can get double zero savings.
  • At Home Depot, you can get 0% interest installment plans.
  • At Home Depot, you can get a ₱500 welcome gift certificate.
  • Ideal for: Homeowners who want to increase their savings.

Fees

Annual Fee: ₱1,500 / year

What Are The Types Of Union Bank Credit Cards?

Union Bank Home Depot Visa Card

UnionBank Gold Mastercard

Features

  • Get 1% cashback on every purchase.
  • For every ₱35 spent, earn one reward point.
  • Installment payment arrangements with no interest are available.
  • Up to ₱400,000 in life insurance coverage is provided for free.
  • Ideal for: Cardholders who frequently shop and travel

Fees

Annual Fee: ₱2,500 / year

Union Bank Gold Mastercard

UnionBank Gold Visa

Features

  • Points that never expire: use them whenever and wherever you choose.
  • Take advantage of the complimentary pre-departure lounge.
  • Installment payment arrangements with no interest are available.
  • Visa payWave allows for contactless transactions.
  • Up to ₱400,000 in life insurance coverage is provided for free.
  • Ideal for: regular shopper and traveler cardholders

Fees

Annual Fee: ₱2,500 / year

UnionBank Gold Visa

Union Bank Gold Visa

UnionBank Platinum Mastercard

Features

  • You’ll get 1% cash back on anything you buy.
  • NAIA Terminals 1 and 3 offer complimentary lounge access.
  • Up to ₱400,000 in life insurance coverage is provided for free.
  • Accepted in nearly 30 million locations around the world
  • Ideal for: cardholders that have a lot of monthly spending.

Fees

Annual Fee: ₱3,000 / year

UnionBank Platinum Visa

Union Bank Platinum Mastercard

UnionBank Lazada Credit Card

Features

  • For every ₱200 purchased on the app, you’ll get 6x Lazada Credits.
  • Newly authorized cardholders get ₱5,000 Lazada Wallet Credits for free.
  • Take advantage of special offers from certain Lazada vendors.
  • For tap-and-go transactions, contactless payment is available.
  • Ideal for: internet shoppers and Lazada users who shop frequently.

Fees

Annual Fee: ₱3,000 / year

UnionBank Lazada Credit Card

Union Bank Lazada Credit Card

UnionBank Miles+ Platinum Visa

Features

  • For every ₱25 you spend, you’ll get one reward point.
  • For every ₱25 spent on travel, you’ll get 1.5 points.
  • Use your rewards points to get up to 1.2 percent cash back.
  • Up to a million dollars in free travel insurance
  • Ideal for: Cardholders who travel for pleasure or business 

Fees

Annual Fee: ₱3,000 / year

UnionBank Miles+ Platinum Visa

Union Bank Miles+ Platinum Visa

UnionBank Classic Visa

Features

  • Set up automatic payments for your utility bills, so you don’t have to worry about them.
  • You can pay in 36 monthly installments at 0% interest for up to 36 months.
  • Invoice your car insurance monthly.

Fees

Annual Fee: ₱1,500 / year

UnionBank Classic Visa

Union Bank Classic Visa

UnionBank Cebu Pacific GetGo

Features

  • ₱30 VISA Spend = 1 GetGo Point is the best earn rate.
  • Points are automatically credited to your account.
  • Cebu Pacific and GetGo are offering exclusive seat offers.

Fees

Annual Fee: ₱3,000 / year

UnionBank Cebu Pacific GetGo

Union Bank Cebu Pacific GetGo

UnionBank Cebu Pacific GetGo Platinum

Features

  • For every ₱30 spent, you’ll get one GetGo Point.
  • Cebu Pacific flights offer a free 5kg additional baggage allowance.
  • Travel insurance is provided for free, as well as other premium travel benefits.
  • Cebu Pacific seat sales will be announced in advance.
  • Ideal for: Those who frequently travel for pleasure or business

Fees

Annual Fee: ₱5,000 / year

UnionBank Cebu Pacific GetGo Platinum

UnionBank Cebu Pacific GetGo Platinum

UnionBank Corporate Visa

Features

  • For every ₱20 spent, you’ll get one reward point.
  • Processes for expenditure reporting and management can be automated.
  • Up to ₱5 million in free travel insurance.
  • Personalize your credit card with your company’s logo.
  • Ideal for: Corporations and company owners 

Fees

Annual Fee: P1,500 / year

UnionBank Corporate Visa

UnionBank Corporate Visa

See also: Union Bank Hotline Of The Philippines

Why Should You Use Union Bank Credit Cards?

Union Bank credit cards are the perfect blend of convenience and security. Let’s read the following part to know more about all of their fantastic benefits.

They Build A Credit History

Credit scores are essential to borrowing money. They come from records of your financial activity, which is monitored by the three major bureaus and reported to them through your records of debt

They May Offer Sign-On Bonuses

Some cards offer sign-on bonuses as a welcome gift. These can be beneficial if you’re looking for more reasons to get on board with that card, but read the fine print first!

They Give Cashback

Purchasing with cashback credit cards is a great way to earn some extra money back. The rewards can range from one percent up to 6%, and it’s easy because you buy everything online anyways!

They Offer Rewards Programs

There are almost as many rewards programs out there for consumers, but it’s important to find the right one that suits your preferences.

For instance, points systems are a great way to earn rewards and save money on your next purchase. Flyer miles can be redeemed for discounts at any time.

What’s more, the rewards in these spending categories are great for people who don’t do much traveling yet still want to get the most out of their cards.

What Are The Eligibility Criteria For Union Bank Credit Card Application?

The eligibility criteria for Union Bank credit card application can be daunting, but there are a few things that you should know.

  • You must be between the ages of 18 and 60.
  • You must be a Filipino or a foreigner who lives in the Philippines.
  • For those who are employed, they must have worked for at least one year.
  • If you are self-employed, you must have been in business for at least one year.

What Are The Documentary Requirements For Union Bank Credit Card Application?

To be considered for Union Bank’s credit card, applicants need to meet the following criteria:

  • Two valid identification cards (SSI, UMID, TIN, Passport, Driver’s License, and Company ID)
  • ITR’s most recent version (Form 2316 or Form 1701)
  • Paystubs or audited financial documents from the most recent period
  • For employed candidates, a Certificate of Employment is required.
  • DTI/SEC Applicants who are self-employed must register.
  • For international candidates, an Alien Certificate of Registration is required.

Steps To Apply For A Union Bank Credit Card

A Union Bank credit card can be the perfect way to establish an excellent financial reputation. Here’s how you apply!

  1. To avoid delays and problems down the line, ensure that you have all of your UnionBank credit card requirements ready. 
  2. For convenience, you should apply online. Go to the UnionBank Credit Card Application and provide relevant information accurately to avoid getting stuck in traffic on account of a mistake! In this way, you can save time from queuing to apply.

If you want to get things done in person, contact UnionBank and find out if they can schedule a meeting with one of their representatives. Here are their contact details:

Metro Manila: (+632) 8841-8600

PLDT Domestic Toll-Free: 1-800-1888-2277

International Toll-Free: (IAC) + 800-8277-2273

Email Address: customer.service@unionbankph.com

How Long Does It Take For Union Bank Credit Card Approval?

It may take 12 to 14 working days before your application gets approved, but don’t worry. The best-in-class customer service will work hard on getting it done as soon as possible!

Conclusion

If you’re wondering what a Union Bank credit card is, this blog post has answered your question. You can learn about the types of cards and eligibility criteria for applying and how long it takes to approve an application. Hope you find this post useful! 

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