• Min. Monthly Income

    ₱50,000

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱1,500

Feature Highlights
  • Enjoy the perks of being a true-blue Cebuano
Shopping
5/10
Dining
3/10
Entertainment
3/10
Groceries
3/10
Travel
3/10

Shopping

  • Earn 1 Rewards Points for every ₱200 spending charged to your UnionBank Bai Credit Card

Dining

  • Earn 1 Rewards Points for every ₱200 spending charged to your UnionBank Bai Credit Card

Entertainment

  • Earn 1 Rewards Points for every ₱200 spending charged to your UnionBank Bai Credit Card

Groceries

  • Earn 1 Rewards Points for every ₱200 spending charged to your UnionBank Bai Credit Card

Travel

  • Earn 1 Rewards Points for every ₱200 spending charged to your UnionBank Bai Credit Card

Other Features

  • Cash Advance

    • 30% of the credit limit and fees are either ₱300.00 or 6% of the cash advance amount, whichever is higher

  • Balance Transfer

    • 13.86% per annum for a lock-in tenure of 14 months

  • Installment Plan

    • Pay up to 36 monthly installment terms at 0% interest

  • Auto-charge Facility

    • Auto-charge your utility bills to your UnionBank credit card.

  • Credit Life Insurance

    • Financial protection for you and your family which covers up to ₱400,000 of your outstanding balance in the event of untimely death, permanent or temporary disability

  • Unlimited Number of Supplementary Card

    • Share the limitless possibilities of your UnionBank Credit Card to as many family members and friends who are at least 14 years old!

Card Information

Annual fee ₱1,500
Min. monthly income ₱50,000
Min. age for principal holder

18-60 years old

Min. age for supplementary holder

14-60 years old

Fee for supplementary holder ₱750.00
Finance charges 3.50% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee

₱400.00

Sales Slip Retrieval Fee

₱200.00

Late payment charge

₱500.00 or 6% of outstanding amount, whichever is higher

Cash advance amount

30% of credit limit

Cash advance charge

₱300.00 or 6% 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

No Expiration

Product Review by iMoney Philippines

Tinuod Nga Cebuano

For true-blue Cebuanos, get to enjoy the best of what Cebu has to offer with Union Bank Bai Credit Card. Get exclusive deals and special discounts at local restaurants, shops, clubs, and department stores in Cebu. You can also benefit from specialized installment deals available from different electronic, furniture, and appliance stores in the city. Your purchases will also earn you 1 Rewards Point for every ₱200 charged to your card and exchange them for airfare tickets, gas, shopping, and dining freebies or even cash rebates. These benefits also extend to various Metro Manila partner establishments. The fun of being truly Cebuano never stops.

Fees and Charges of Union Bank Bai Credit Card

The annual membership fee is ₱1,500 for the principal cardholder and ₱750 for the supplementary cardholder. Interest rate (effective) is 3.5% per month and late payment fee is 6% of the minimum amount due or ₱500, whichever is higher.

Are you eligible for a Union Bank Bai Credit Card?

To be able to apply as a principal cardholder, you must have a minimum gross income per month of ₱50,000 and at least 18-60 years old. You can apply for any number of supplementary cardholders but they have to be minimum of 14-60 years of age.

To help you make a decision, our team is also recommending that you look at American Express® Cashback Credit Card as it has similar features that you might be interested in as well.

If you're still looking for available options, you can also browse for other Union Bank credit cards on our website and compare which one is the right fit for you.