Min. Monthly Income
- FREE Travel Insurance up to ₱10M
- Earn one (1) point for every ₱55 spend
Product Review by
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.