• Min. Monthly Income

    ₱50,000.00

  • Interest Rate

    3.5% /month

  • Annual Fee

    ₱1,500.00

Feature Highlights
  • Exclusive deals only available to Union Bank credit cardholders
Shopping
5/10
Entertainment
4/10
Gas
3/10
Groceries
3/10
Travel
3/10

Shopping

  • Earn 1 Reward Point for every ₱35 spend on your UnionBank Classic Visa Card
  • Accumulate points and redeem shopping gift certificates

Entertainment

  • Earn 1 Reward Point for every ₱35 spend on your UnionBank Classic Visa Card
  • Accumulate points and redeem SM Movie Passes

Gas

  • Earn 1 Reward Point for every ₱35 spend on your UnionBank Classic Visa Card

Groceries

  • Earn 1 Reward Point for every ₱35 spend on your UnionBank Classic Visa Card

Travel

  • Earn 1 Reward Point for every ₱35 spend on your UnionBank Classic Visa Card
  • Accumulate and use your points to pay for Cebu Pacific tickets

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

  • 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 ₱1,500.00
Min. monthly income ₱50,000.00
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

₱750.00

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

Full Featured

If you live a fast-paced life, being on top of you game is your first priority. With Union Bank Classic Credit Card, you can take advantage of all the features and benefits that matches your executive lifestyle. If you find the features of a regular credit card lacking, then this card is a perfect fit as it provides shopping discounts and exclusive privileges all year, wherever you are. Enjoy payment convenience as you get 0% interest on instalment terms of up to 36 months. You can also automatically charge your essential bills such as utilities and insurance payments so it won’t be overlooked. Your purchases will also earn you 1 Reward Point for every ₱35 charged to your card. Accumulate these points to redeem a wide-range of rewards from gift certificates, movie and airfare tickets, to gas purchases and even cash rebates to pay off your card’s annual fee.

Fees and Charges of Union Bank Classic Credit Card

The annual membership fee for the principal cardholder is ₱1,500 and ₱750 for the supplementary cardholder. Effective interest rate per month is 3.5% and the late payment charge is ₱750.00.

Are you eligible for a Union Bank Classic Credit Card?

To become eligible, a principal cardholder must have at least ₱50,000 gross income per month and must be 18 to 60 years old. You can apply for any amount of supplementary cards given that the cardholder is at least 14 to 60 years of age.

If you're still searching for alternative options, our team recommends that you also consider viewing Maybank Classic Credit Card and AUB Easy Credit Card, which have similar features that may just be what you're looking for.

Having difficulty making a decision? There are still other options available and we suggest to check our site and review Union Bank credit cards and compare to find out which card fits your requirement.