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Min. Monthly Income
₱40,000.00
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Interest Rate
3.5% /month
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Annual Fee
₱1,200.00
Feature Highlights
- Exclusive deals only available to UCPB credit cardholders
Dining
- Extensive Rewards Program with 1 point for every ₱30.00 spent
Entertainment
- Extensive Rewards Program with 1 point for every ₱30.00 spent
Groceries
- Extensive Rewards Program with 1 point for every ₱30.00 spent
Shopping
- Extensive Rewards Program with 1 point for every ₱30.00 spent
Travel
- Extensive Rewards Program with 1 point for every ₱30.00 spent
Other Features
Cash Advance
30% of the credit limit and fees are either ₱500.00 or 3% of the cash advance amount, whichever is higher
Balance Transfer
12.00% per annum for a lock-in tenure of 12 months
Installment Plan
0% interest Installment Payment Plan at all participating merchants
Accepted Nationwide
Use anywhere in the world with MasterCard’s more than 30 million merchants and 100,000 merchants in the Philippines
24-hour Customer Service
- 24/7 worldwide customer service for UCPB credit card holders
Card Information
| Annual fee | ₱1,200.00 (Annual fee is waived for the first year.) |
| Min. monthly income | ₱40,000.00 (₱20,833.33 (with existing card)) |
| Min. age for principal holder | 21 and above |
| Min. age for supplementary holder | 13 years old and older |
| Fee for supplementary holder | ₱600.00 |
| Finance charges | 3.50% per month |
| Must have postpaid account? | No |
| Identification needed | Tax Identification Number (TIN) and SSS/GSIS No. |
| Card Replacement Fee | -- |
| Sales Slip Retrieval Fee | -- |
| Late payment charge | ₱500.00 or 5% of outstanding amount, whichever is higher |
| Cash advance amount | 30% of credit limit |
| Cash advance charge | ₱500.00 or 3% 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 | N/A |
Product Review by 
Still unsure on which card to pick? We can help you out with the following recommendations. Check out AUB Easy Credit Card and PNB Essentials Credit Card as both have features relevant to what you're searching for.
If you're still undecided, you can get more details when you view our list of UCPB credit card application requirements on our website that could help you find the right card.