Min. Monthly Income
- Enjoy the perks of being a true-blue Cebuano
Product Review by
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.