• Min. Monthly Income

    ₱40,000

  • Interest Rate

    3.25% /month

  • Annual Fee

    ₱2,500

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 ₱2,500 (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 ₱1,250.00
Finance charges 3.25% per month
Must have postpaid account? Yes
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, 3.25%

Cashback limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Philippines

Prime Essential

With UCPB Gold Credit Card, you get everything you’ll ever need in a credit card. Travel with confidence as you make purchases abroad with worldwide acceptance and recognition to over 30 million international partner merchants as well as 100,000 local stores. You can also take advantage of exclusive offers, privileges, and discounts only available to cardholders. With its extensive rewards program, avail of various benefits as you earn 1 point for every ₱30 charged to your card. These points can be accumulated and exchanged for numerous rewards of your choice.

Fees and Charges of UCPB Gold Credit Card

Annual membership fee is waived for the first year. Subsequently, it will be ₱2,500 for the principal cardholder and ₱1,250 for the supplementary cardholder. Monthly interest rate is 3.25% and late payment fee is ₱500 or 5% of outstanding amount, whichever is higher.

Are you eligible for a UCPB Gold Credit Card?

To apply as a principal cardholder, you are required to have a minimum gross monthly income of at least ₱40,000 if you are a new card applicant or ₱20,833.33 if you have an existing credit card. You also have to be at least 21 to 65 years of age. Supplementary cardholders should be at least 13 years of age and older.

If you have questions on which card to choose, our team offers some recommendations such as Standard Chartered Gold Credit Card and Union Bank Gold Credit Card, having similar features which could help on your search.

Still not the right card? We also suggest to view our website and browse for more UCPB credit cards, that matches your needs.