• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Auto-charge your premium payments and enjoy special privileges from Insular Life


  • Earn Rewards Points for every ₱40 spending charged to your card.


  • Earn Rewards Points for every ₱40 spending charged to your card.
  • Redeem your rewards points for a free plane ticket from Cebu Pacific and SEAIR.


  • Earn Rewards Points for every ₱40 spending charged to your card.


  • Earn Rewards Points for every ₱40 spending charged to your card.


  • Earn Rewards Points for every ₱40 spending charged to your card.


  • Get a free breakfast treat on your birthday if you are an Extra Special Policyholder of Insular Life.

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


Sales Slip Retrieval Fee


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


Rewards points expiry

No Expiration

Product Review by iMoney Philippines

Safe and Secure

Get the sense of security that you and your family deserves with Union Bank Insular Life Visa Credit Card. Secure your future without sacrificing the lifestyle that you deserve. Enjoy the convenient features and benefits such as automatically charging selected payments based on your requirement, without having the need to issue post-dated checks. You also get 24 hour customer service, for assistance you can rely on whenever and wherever you are. Traveling is made easy as you pay international purchases in Pesos, while conveniently using your card in over 16 million establishments worldwide having the Visa logo. You even get rewarded for all your spending as you receive 1 Reward Point for every ₱40 charged to your card and have them converted for cash rebates, free gas or plane tickets, or dining and shopping perks based on a comprehensive rewards program. Take advantage of exclusive birthday privileges as well, such as free breakfast treat or annual medical check up for you own peace of mind.

Fees and Charges of Union Bank Insular Life Visa Credit Card

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

Are you eligible for a Union Bank Insular Life Visa Credit Card?

You can apply as a principal cardholder if you have a minimum gross monthly income of ₱50,000 and 18 to 60 years old. You can have an unlimited number of supplementary cardholders as long as they are at least 14 to 60 years of age.

Choosing the right card can be difficult and our team of experts are ready to help by sharing some suggestions for you to check out, such as American Express® Cashback Credit Card.

If you're still unsure on which card to get, you can also review and compare other Union Bank credit cards on our site, that can assist in helping you pick the perfect card for your lifestyle.