• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Earn non-expiring 1.5% cash back on all your purchases, everyday.


  • Earn 1.5% cash back on all your purchases, everyday
  • They’ve lined up a whole lot of discounts, perks and freebies in shopping, leisure and service outlets nationwide.


  • Relax and enjoy stress-free travel. As a UnionBank Platinum cardholder, you have free access to the Club Manila Lounge located at the NAIA Terminal 1.
  • Earn 1.5% cash back on all your purchases, everyday


  • Earn 1.5% cash back on all your purchases, everyday


  • Earn 1.5% cash back on all your purchases, everyday


  • Earn 1.5% cash back on all your purchases, everyday

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 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

Save On Everyday Spending

Save up on your essential expenses with Union Bank Platinum MasterCard. Use your everyday purchases to earn unlimited savings as you get up to 1.5% cashback on all your purchases. You don’t have to bother with what category type you’re spending on as you earn the same amount of cashback for everything, wherever you are. Whatever you accumulate is also non-expiry so you can redeem it anytime at your convenience. With MasterCard’s affiliate network of partner merchants, you can confidently use your card for purchases anywhere, with over 30 million establishments and ATMs worldwide. You also get to enjoy exclusive access to Club Manila Lounge at NAIA Terminal 1 which makes for a more relaxed travel experience.

Fees and Charges of Union Bank Platinum MasterCard

For the annual membership fee, it’s ₱3,000 for the principal cardholder and ₱1,500 for the supplementary cardholder. Monthly effective interest rate is 3.5% and late payment charge is ₱500 or 6% of the minimum amount due, whichever is higher.

Are you eligible for a Union Bank Platinum MasterCard?

To become a principal cardholder, you must have a minimum ₱50,000 gross monthly income and at least 18-60 years of age. For supplementary cardholders, they must be between 14-60 years old. There is no limit on the number of supplementary cardholders.

Having a hard time finding the right card? We're here to help you out. Our team also suggests that you take a look at Security Bank Platinum Credit Card and RCBC Black Card Platinum Peso Credit Card, which you may also find interesting based on the features you're searching for.

Are you still considering other options? You can also find other Union Bank credit cards in our website, and compare which one matches your requirements.