• Min. Monthly Income

    ₱50,000

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱1,500

Feature Highlights
  • Earn free cellphone load for every spend and for every ₱50.00 revolving outstanding balance.
Utilities
5/10
Shopping
4/10

Utilities

  • Purchase load through your cellphone and charge it to your Shop & Talk Card to earn instant 5% rebate.
  • Enjoy on-the-go convenience when you enroll your account in our Cyber Electronic Channels. Inquire your balances thru text via Mobile Banking.
  • Get rebates for your postpaid cellphone account from your combined spending and revolving outstanding balance in your UnionBank Shop & Talk Card automatically credited to your enrolled postpaid cellphone account
  • Earn ₱0.10 load for every ₱20 spend and for every ₱50 revolving outstanding balance, giving you the fastest way to hassle free redemption.
  • They’ve lined up a whole lot of discounts, perks and freebies in shopping, leisure and service outlets nationwide.

Shopping

  • They’ve lined up a whole lot of discounts, perks and freebies in shopping, leisure and service outlets nationwide.

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

₱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

Communication Is Key

Being connected is vital during this day and age as it provides us with the capability of reaching out and being within reach to those important to us, be it family, friends, or work. With Union Bank Shop and Talk Credit Card, it is the only card that provides cellphone load rewards on all networks, making communication more rewarding than just keeping in touch. The main advantage of this card is for every ₱20 spend and for every ₱50 revolving outstanding balance, lets you earn ₱0.10 cellphone credits, which means you get free load every time you shop. This is also automatically credited to your cellphone number so no need to do any redemption. You can also get 5% instant rebate on e-load purchases using your phone and charged to your card.

Fees and Charges of Union Bank Shop and Talk Credit Card

For the principal cardholder, the annual membership fee is ₱1,500 and ₱750 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 Shop and Talk Credit Card?

If you’re looking to apply as a principal cardholder, you must have a minimum gross income of ₱50,000 a month and be at least 18-60 years of age. You can apply for any number of supplementary cardholder but they must be at least 14-60 years old.

If you're looking for other cards from a different bank, our team also suggest that you check out RCBC Sta. Lucia Mall Credit Card and RCBC Landmark Anson’s Bankard Credit Card, which offer the same features that you may find valuable to you.

Still searching for other options? We also recommend that you view the full line-up of Union Bank credit cards offered on our website and choose which one is right for you.