• Min. Monthly Income

    ₱50,000

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱3,000

Feature Highlights
  • Exclusive deals only available to Union Bank credit cardholders
Travel
8/10
Shopping
4/10
Groceries
4/10
Gas
4/10

Travel

  • Earn 1.5X points for every ₱25 spend on airline tickets, hotel and lodging, and overseas spend.
  • Convert points to cash OR Convert points to PAL Mabuhay Miles or Cebu Pacific GetGo Points.

Shopping

  • Earn 1 point for every ₱25 charged to your card

Groceries

  • Earn 1 point for every ₱25 charged to your card
  • Convert points to cash OR Convert points to PAL Mabuhay Miles or Cebu Pacific GetGo Points.

Gas

  • Earn 1 point for every ₱25 charged to your card
  • Convert points to cash OR Convert points to PAL Mabuhay Miles or Cebu Pacific GetGo Points.

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

  • 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 ₱3,000
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 ₱1,500.00
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

Endless Travels

If you love the adventure of going to exotic places and experiencing different cultures, Union Bank Miles+ Platinum Credit Card is perfect for you. Go places for free with the card that gives you the most opportunities to travel. Earn non-expiring reward points from your daily spending as you get 1 point for every ₱25 charged to your card. Accumulate more points--up to 1.5x on travel spending such as airline tickets, hotel accommodation, and overseas purchases. You can have these points converted to cash, PAL Mabuhay Miles, or Cebu Pacific GetGo Points that will get you closer to your dream destination. Aside from rewards, enjoy exclusive access to airport lounges where you can relax before your flight. You are also entitled to free travel insurance coverage worth up to ₱10M, once you purchase your airfare tickets using your credit card. Overseas payment is also more convenient, made possible by Visa’s payWave which guarantees international acceptance and worldwide recognition through partner merchants.

Fees and Charges of Union Bank Miles+ Platinum Credit Card

The principal cardholder has to pay an annual membership fee of ₱3,000 and ₱1,500 for the supplementary cardholder. Monthly effective interest rate is 3.5% and late payment fee is ₱500 or 6% of the minimum amount due, whichever is higher.

Are you eligible for a Union Bank Miles+ Platinum Credit Card?

To qualify as a principal cardholder, you are required to have ₱50,000 minimum gross income per month and aged 18-60 years old. The amount of supplementary cardholders is unlimited as long as the cardholder is at least 14-60 years old.

There are still other options available and our team would suggest that you view these cards: BPI Delta SkyMiles Platinum Credit Card and BDO Cathay Pacific American Express Credit Card, both of which have similar features that you may find interesting.

If you want to look at other features, we recommend that you check out the exciting range of Union Bank credit card promos available on our website to compare which reward best suits your lifestyle.