• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Earn discounts and rebates on your gas purchases at Phoenix


  • Earn 3% rebate every time you gas up at Phoenix
  • Receive a FREE fuel voucher worth ₱500 when your card is approved.
  • Get 10% discount on Phoenix Lubricants and Services at Phoenix Stations


  • Comes with a free 24-hour towing and road side assistance privilege.

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

Gas Privileges Galore

If you consider gas spending as one of your major expense, Union Bank Phoenix Petroleum Credit Card can help ease the load with exclusive deals and benefits specifically focused towards every motorist’s need. As a welcome gift, you automatically receive a free fuel voucher worth ₱500 once your card gets approved. Use your card when you gas up at Phoenix Stations and earn 3% rebate. Feel safe and secure while on the road as you enjoy 24/7 towing and roadside assistance. You’ll also receive 10% discount on lubricants and services at Phoenix Stations as well as exclusive deals and promos at partner establishments. For convenience, you can even use your card to get 0% installment plan on your comprehensive car insurance payments for up to 12 months.

Fees and Charges of Union Bank Phoenix Petroleum Credit Card

Annual membership fee is free for the first year. On the following year, it will be ₱1,500 for the principal cardholder 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 Phoenix Petroleum Credit Card?

To be eligible as a principal cardholder, you need to have ₱50,000 minimum gross monthly income and should at least be 18-60 years old. The number of supplementary cardholder is unlimited as long as they’re between 14-60 years of age.

Are you considering a card from another bank? Based on the features you're looking for, here are similar recommendations that may also interest you, Citibank Shell Credit Card and Security Bank SeaOil Credit Card. We're ready to assist in helping you find the right card for your need.

Considering other options? We also suggest that you view other Union Bank credit cards available on our site and choose which card matches your requirements.