• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Enjoy the best ribs in town and other dining perks with your Racks Visa Card


  • Earn 1 point for every ₱20 you spend with your Racks Visa Card. Redeem your points for free dining vouchers at Racks.
  • Enjoy a FREE Classic Caesar Salad when you use your Racks VISA Card the first time with a minimum purchase of ₱800 at any Racks branch.
  • Enjoy free dishes for a minimum purchase at Racks.


  • Earn 1 point for every ₱20 you spend with your Racks Visa Card.


  • Earn 1 point for every ₱20 you spend with your Racks Visa Card.


  • Earn 1 point for every ₱20 you spend with your Racks Visa Card.

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

Best Ribs, Better Benefits

Indulge in the best, flame-grilled, falling-off-the-bone ribs in town while at the same time, enjoying the best dining deals and privileges with Union Bank Racks Visa Credit Card. Get a free welcome treat at any branch once you use your card for the first time, for a minimum spend. You can also receive dining freebies ranging from mac and cheese to carbonara pasta depending on your minimum food purchase. Your birthday will always be a treat at Racks as you get a free apple pie ala mode for dessert, with no minimum purchase required! Your regular spending will also be rewarded as you earn 1 point for every ₱20 charged to your card. The points you have accumulated can be exchanged for free dining vouchers at Racks.

Fees and Charges of Union Bank Racks Visa Credit Card

The required annual membership fee for the principal cardholder is ₱1,500 and ₱750 for the supplementary cardholder. Interest rate (effective) per month 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 Racks Visa Credit Card?

To be eligible, you must have at least ₱50,000 monthly gross income and 18 to 60 years of age to be a principal cardholder. The number of supplementary cardholders is unlimited as long as they are 14 to 60 years old.

If you want suggestions on which card is right for you, our team also recommends that you check out Union Bank Burgoo Visa Credit Card and RCBC LJC Credit Card, to help you compare which is the right card for you.

Having difficulty choosing? You can also look at more Union Bank credit cards on our website to find out which card fits your lifestyle.