• Min. Monthly Income


  • Interest Rate

    3.25% /month

  • Annual Fee


Feature Highlights
  • FREE Travel Insurance up to ₱10M
  • Earn one (1) point for every ₱55 spend


  • FREE Travel Insurance up to ₱10M
  • FREE Purchase Protection Insurance that covers accidental damage of purchased items and lost items due to theft.


  • Earn one (1) Mabuhay Mile each time you spend ₱55 on travel expenses.


  • Earn one (1) point each time you spend ₱55 on groceries.


  • Shop and earn one (1) point each time you spend ₱55 using your card.

Other Features

  • Cash Advance

    • 50% of the credit limit and fee is 5% of the outstanding amount.

  • Purchase Protection Insurance

    • Your purchased items are covered against accidental damage and theft for 90 days from date of purchase.

  • Dual Billing Flexibility

    • Your local transactions will be billed in Peso while international transactions get a separate billing in US Dollars with the option to pay in either Dollar or Peso currency (based on payment rate of the day).

  • 24/7 Customer Service

    • Know your balance, cut-off, and due date without the wait, 24/7, here, and abroad

  • eSOA

    • View your Electronic Statement of Account (eSOA) anytime, wherever you are, through their secure online access

Card Information

Annual fee ₱2,500.00
Min. monthly income ₱40,000.00
Min. age for principal holder

21 - 65 years old

Min. age for supplementary holder

13 years old and above

Fee for supplementary holder ₱1,250.00
Finance charges 3.25% per month
Must have postpaid account? Yes
Identification needed Tax Identification Number (TIN) and SSS/GSIS No.
Card Replacement Fee


Sales Slip Retrieval Fee

₱400.00 or $15 (per sales slip)

Late payment charge

₱300.00 or $10.00

Cash advance amount

50% of credit limit

Cash advance charge

5% of cash advance amount for PHP or 2% for USD + transaction fee of ₱100.00 or $3.00

Cash advance interest charge

Same as credit card interest, 3.25%

Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Your Credit Gateway To Asia

Receive the most rewards enjoying life’s pleasantries across Asia with the PNB Diamond UnionPay Credit Card. Get the best from your budget as you accumulate rewards points for all your shopping and dining spending, here or overseas as you receive 1 point for every ₱55 spend. The points you earn can be used to redeem cash credits where 4 points is equal to ₱5 cash credit or 1:1 Mabuhay Miles in blocks of 2,000 points. Aside from rewards, you also get free purchase protection insurance worth up to ₱250,000 as well as ₱10M worth of travel accident insurance coverage and the extra convenience of choosing either single or dual currency billing.

Fees and Charges of PNB Diamond UnionPay Credit Card

The annual membership fee for the principal cardholder is ₱2,500 and ₱1,250 for the supplementary cardholder. Monthly finance charge is 3.25% whereas late payment charge is ₱300 or $10 of the past due amount, whichever is higher. The cash advance amount can go up to 50% of your credit limit, with a 5% cash advance charge for Php amount or 2% for USD amount plus transaction fee of ₱100 or $3.

Are you eligible for a PNB Diamond UnionPay Credit Card?

You can apply and qualify as a principal cardholder if you have at least a monthly income of ₱40,000 and also 21 years of age and above. For the supplementary cardholder, the age requirement is 13 years old and above.

Travel across Asia and make your adventures more memorable with exclusive perks and privileges offered by the PNB Diamond UnionPay credit card. Enjoy worry-free transactions especially in China with its positive preference among merchants while at the same time, gathering growing acceptance worldwide. Apart from this, receive added security with free insurance and purchase protection along with World Assist concierge services for your medical and travel needs. But most importantly, you get the option to choose from single or dual currency billing which makes it all the more convenient for international transactions. With all these advantages, this will be the only card you’ll ever need during your travels.

As for other alternatives, here are credit cards that are also worth considering, RCBC Bankard UnionPay Card and Chinabank World MasterCard. These cards have features that are quite similar to what you are looking for.

If you are still uncertain on what credit card to get, you can first go through PNB credit card application requirements so you can review and be certain on what type of card matches your lifestyle needs.