• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Exclusive deals only available to Union Bank credit cardholders


  • Enjoy a relaxing pre-departure stay at the Club Manila Lounge for free, no matter which airline you fly


  • ₱10 Million Travel insurance


  • Exclusive Deals from Union Bank Merchant Partners

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 ₱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


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 outstanding 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

Follow Your Passion

Fulfill your dreams and aspirations in life with the Union Bank Platinum Credit Card. Designed to help you achieve your ambition and passions in life, it offers utmost benefits and premium convenience that you can rely on while you experience living the lifestyle you desire. With privileges such as Visa Platinum Concierge, you get 24/7 on call service that will cater to your every need, whether it’s just simple dinner reservations, organizing travel arrangements, or even emergencies such as immediate cash need, lost/stolen or urgent card replacement, help is always within reach. Benefits are also bountiful as you enjoy exclusive offers from a wide range of Visa Platinum partner merchants that offer the finest, luxury accommodation and services as you travel to exotic locations worldwide. Leave your worries behind as you automatically get free travel insurance coverage worth up to ₱10M as well as travel assistance for delayed or cancelled flights, or even emergency medical services. These special treats specifically made for you will surely provide the experience of a lifetime.

Fees and Charges of Union Bank Platinum Credit Card

For the principal cardholder, the annual membership fee is ₱1,500 and ₱750 for the supplementary cardholder. Effective monthly 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 Platinum Credit Card?

If you’re interested, you can be a principal cardholder if you have minimum ₱50,000 gross monthly income and must be 18 to 60 years of age. Multiple supplementary credit cards is allowed but the cardholder should be 14 to 60 years old.

Have you found the right card yet? If you're still unsure, our team suggests that you look at Citibank Platinum Credit Card and BDO Platinum Credit Card, which are cards that have similar qualities that may appeal to you.

Looking for more options? We also recommend that you check out other Union Bank credit cards present on our website to find the card that suits your lifestyle.