• Min. Monthly Income

    ₱40,000

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱1,200

Feature Highlights
  • Exclusive deals only available to UCPB credit cardholders
Dining
4/10
Entertainment
4/10
Groceries
4/10
Shopping
4/10
Travel
4/10

Dining

  • Extensive Rewards Program with 1 point for every ₱30.00 spent

Entertainment

  • Extensive Rewards Program with 1 point for every ₱30.00 spent

Groceries

  • Extensive Rewards Program with 1 point for every ₱30.00 spent

Shopping

  • Extensive Rewards Program with 1 point for every ₱30.00 spent

Travel

  • Extensive Rewards Program with 1 point for every ₱30.00 spent

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either ₱500.00 or 3% of the cash advance amount, whichever is higher

  • Balance Transfer

    • 12.00% per annum for a lock-in tenure of 12 months

  • Installment Plan

    • 0% interest Installment Payment Plan at all participating merchants

  • Accepted Nationwide

    • Use anywhere in the world with MasterCard’s more than 30 million merchants and 100,000 merchants in the Philippines

  • 24-hour Customer Service

    • 24/7 worldwide customer service for UCPB credit card holders

Card Information

Annual fee ₱1,200 (Annual fee is waived for the first year.)
Min. monthly income ₱40,000 (₱20,833.33 (with existing card))
Min. age for principal holder

21 and above

Min. age for supplementary holder

13 years old and older

Fee for supplementary holder ₱600.00
Finance charges 3.50% per month
Must have postpaid account? No
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

--

Sales Slip Retrieval Fee

--

Late payment charge

₱500.00 or 5% of outstanding amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

₱500.00 or 3% of cash advance amount, whichever is higher

Cash advance interest charge

Same as credit card interest, 3.50%

Cashback limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Philippines

Simple All-Rounder

The UCPB Classic Card is a simple, no-frills, all-around credit card that offers the basic essentials needed in your everyday spending. Internationally accepted and recognized worldwide, you can travel hassle-free and pay your purchases without any worries. With over 30 million partner merchants abroad as well as 100,000 found locally, you’ll surely have enough options to choose from. You can also benefit from exclusive perks, discounts, and promotions, available only to cardholders. Take advantage of UCPB’s wide-ranging rewards program and receive a variety of bonuses as you get 1 point for every ₱30 charged to your card. Accumulate these points and use it to redeem various rewards of your choice.

Fees and Charges of UCPB Gold Credit Card

For the first your annual membership fee is waived. Succeedingly, it will be ₱1,200 for the principal cardholder and for the supplementary cardholder it will be ₱600. Interest rate is 3.5% per month and late payment fee is 5% of outstanding amount or ₱500, whichever is higher.

Are you eligible for a UCPB Gold Credit Card?

To be eligible, a principal cardholder must have a minimum gross income of at least ₱40,000 per month, for a new card applicant or ₱20,833.33 for applicants with existing credit card. Another requirement is to be at 21-65 years of age. Supplementary cardholders must be 13 years and above.

Still unsure on which card to pick? We can help you out with the following recommendations. Check out AUB Easy Credit Card and PNB Essentials Credit Card as both have features relevant to what you're searching for.

If you're still undecided, you can get more details when you view other UCPB credit cards on our website that can help you find the right card.