Ang review na ito ay para sa UnionBank Rewards Visa credit card, kung ikaw ay na aprobahan ng bangko for sure para sa iyo ang article na ito.
Ano ang benefits ni UnionBank Rewards Credit Card?
- Earn 1 point for every PHP30 spend.
- Get 3X points when you shop and dine here and abroad.
- With virtual card upon approval.
- Use your points to redeem cash credits, merchandise, gadgets, and more.
- Access your UnionBank Credit Card Account anytime, anywhere with UnionBank online banking.
- Auto charge your utility bills to your UnionBank Credit Card for monthly billing payment.
No Annual Fee Forever ba si UnionBank rewards Credit Card?
Ang UnionBank rewards credit card ay hindi naka-automatic No Annual Fee For Life (NAFFL) pero may promo ang bangko upang ma-avail mo ang kanilang NAFFL promo.
Kailangan mo lamang mag spend atleast PHP20,000 habang pasok ka pa sa promo na ito upang mawaive ang annual fee mo for life.
Installment
Ang kagandahan sa credit card na ito ay meron itong Installment feature na pwedi mong ma-avail mismo sa UnionBank online banking App.
- Convert your available credit limit to cash for emergency expenses and pay in monthly installments with EasyCash.
- Manage payments for your monthly credit card bill when you convert a portion of your billed balances into installments with EasyBill.
- Enjoy lighter payments when you turn your recent unbilled transactions into installments with EasyConvert.
- Transfer your other credit card balances to your UnionBank credit card and pay in monthly installments through EasyTransfer.
- All inhouse installment requests are subject to approval.
Cash Advance
Kung ikaw ay na aprobahan sa credit card na ito, nakasulat sa mismong sobre kalakip ang iyong physical card ang cash advance limit.
Usually, half ng credit limit mo ang cash advance limit na ibibigay sayo ng bangko, ex. PHP500,000 ang credit limit mo, possibly nasa PHP250,000 ang ibibigay sayo na cash advance limit.
Cash Advance Pin
Ang cash advance PIN naman ay ang ATM PIN na kung saan kailangan mo ito upang makapag-withdraw ka ng cash mula sa credit limit ng credit card mo.
Pwedi kang mag-nominate ng PIN mo sa mismong UnionBank online banking app at pwedi mo rin itong ma-change anytime.
Ano ang mga requirements para makapag-apply?
- You are at least 21 years old.
- You are a resident of the Philippines, with a valid Philippine billing address.
- You have a postpaid line or postpaid mobile phone.
- You have a Tax Payer’s Identification Number (TIN) and SSS/GSIS/UMID Number.
- Your credit card account with other banks (if any) is current and in good credit standing.
Documents Requirements :
- One (1) photo-bearing, government-issued ID with identification number or date of birth.
- Proof of Income (i.e. Pay Slip, BIR Form 2316, Original Certificate of Employment, Latest ITR (1700 or 1701) with BIR or Bank Stamp.
Foreign Nationals :
- Valid passport or ACR, and
- Any of the following proofs of local residency :
- Immigrant Certificate of Residency (ICR).
- ACR-I-Card with Visa status “Permanent”, otherwise, should be valid for more than 1 year.
- Visa and Work Permit/Alien Employment Permit (AEP) with validity of more than 1 year.
- Special Resident Investors Visa (SRIV).
- Special Resident Retirement Visa (SRRV).
- For top 2000 companies, employment contract or letter from company HR printed on company letterhead with name, position and confirmation of term.
Saan pweding mag-apply?
Pweding pwedi ka mag visit sa UnionBank branch na malapit sa lugar mo pero mas madaling ma-process ang iyong application kung sa online ka nalang mag-aapply.
Digital na kasi ang application form at ang pag-submit ng mga requirements, sa kasalukuyan ay naka-mass approval si UnionBank sa lahat ng mga applicants.
Usually, 5-30 minutes lang ay may resulta na ang iyong application.
Apply here :

Other Credit Cards :
UnionBank U Visa Platinum
- No annual fees for life! No spend requirement to waive this.
- Earn a 10% rebate on interest charge when you pay at least the minimum amount due on or before the due date.
- No over limit and late fees.
- Ideal for: cardholders who prefer cards with less fees.

UnionBank Cash Back Visa Platinum
- Earn up to 6% cash back on groceries.
- Earn up to 2% cash back on Meralco bill payments when you pay via UnionBank Online.
- Get up to 0.20% cash back on all other purchases.
- Ideal for: individuals who want to save on their essential spend.

UnionBank Cebu Pacific Gold
- Earn 1 Go reward point for every ₱200 spend.
- Earn 1 Go reward point for every ₱100 spend at Cebu Pacific.
- Exclusive access to Cebu Pacific seat sales.
- Free life insurance coverage of up to ₱400,000.
- Ideal for: cardholders who frequently fly with Cebu Pacific.

More credit card reviews soon.