• Min. Monthly Income


  • Interest Rate

    3.5% /month

  • Annual Fee


Feature Highlights
  • Enjoy special rewards and deals with your Home Depot Visa Card


  • Get 1 rewards point for every ₱20 spend on your card anywhere.
  • Get a free ₱500 Home Depot gift certificate which you can use to shop at any Home Depot store without any minimum spend requirement as a welcome treat


  • Get 1 rewards point for every ₱20 spend on your card anywhere.


  • Get 1 rewards point for every ₱20 spend on your card anywhere.


  • Get 1 rewards point for every ₱20 spend on your card anywhere.

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


Sales Slip Retrieval Fee


Late payment charge


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


Rewards points expiry

No Expiration

Product Review by iMoney Philippines

Realizing A Dream

If you’re planning to build your dream home or just pondering on having some areas renovated, Union Bank Home Depot Visa Credit Card is well suited for this pursuit. This card is also appropriate for budding hobbyists interested in DIY home improvement projects as you receive exclusive privileges and special deals at CW Home Depot. For the new cardholder, you get a free ₱500 Home Depot gift certificate as a welcome treat. With Home Depot’s huge selection of items, you can use this to buy whatever you need without any minimum spend requirement. You can also avail of special payment deals such as 0% interest all year on 3 to 12 month instalment terms or even 0% interest and 0 payment for the first 3 months. Aside from these perks, get to earn 1 rewards point for every ₱20 charged to your card on any kind of purchase and accumulate them in exchange for a variety of rewards such as gift certificates at Home Depot, or even shopping, gas, and dining gift certificates as well.

Fees and Charges of Union Bank Home Depot Visa Credit Card

The principal cardholder must pay an annual membership fee of ₱1,500 and ₱750 for the supplementary cardholder. Monthly interest rate (effective) is 3.5% while the late payment charge is ₱750.00.

Are you eligible for a Union Bank Home Depot Visa Credit Card?

If you want to apply as a principal cardholder, you must have at least ₱50,000 monthly gross income and between 18 to 60 years of age. The number of supplementary cards allowed is unlimited as long as the cardholder is 14 to 60 years old.

If you're looking for other options, our team also suggests to check out RCBC Wilcon Card, which has quite the similarities with the current card you're viewing.

Still not the right card for you? Why don't you look at the rest of Union Bank credit card benefits listed on our website to help you compare and choose which card is perfect for your needs.