Have you been searching for a credit card that offers more than just purchasing power? Get exclusive deals, cash back, and amazing benefits that fit your lifestyle with UnionBank credit cards. There is a perfect UnionBank Visa credit card for you regardless of your interests—travel, shopping, or point collecting. With options such as the UnionBank Rewards Credit Card, UnionBank Lazada Credit Card, and UnionBank Miles+ Visa Signature, there’s something for everyone.
Why Choose a UnionBank Credit Card?
UnionBank stands out with its competitive perks. From low interest charges to less fees, you get more value with every purchase. Plus, take advantage of benefits like free travel insurance, early alerts on promotions, and exclusive black membership lanes for premium cardholders. Whether you're looking for a UnionBank Platinum Mastercard or a Gold Visa, UnionBank ensures that your spending works for you.
Key Features of UnionBank Credit Cards:
- Contactless payments – Enjoy secure and convenient transactions with tap-to-pay technology.
- Exclusive lifestyle perks – Get discounts, promos, and access to premium lounges.
- Seamless digital experience – Manage your account through UnionBank Online or the UnionBank Online App.
- Flexible payment options – Installment plans and auto-debit features for easier budgeting.
- High credit limits – Perfect for big spenders and travelers who need more financial flexibility.
- Rewards and cashback programs – Earn points or rebates depending on your spending habits.
Another advantage of having a UnionBank credit card is the seamless digital experience. You can manage your account through UnionBank Online or the UnionBank Online App, making payments and tracking expenses easy. Plus, the UnionBank Welcome Gift Promo rewards new cardholders upon approval.
How to Choose the Right UnionBank Credit Card
Selecting the right credit card depends on your spending habits and financial goals. Here’s how you can decide which UnionBank credit card is best for you:
- For frequent travelers: Airmiles and travel insurance benefits are ideal.
- For online shoppers: Choose cards with cashback or Lazada-exclusive discounts.
- For everyday spenders: Opt for a rewards-based card to maximize purchases.
- For those who prefer cashback: Get a card with high rebate percentages on daily expenses.
Comparison of Major UnionBank Credit Cards
Top UnionBank Credit Card Deals & Offers

UnionBank provides a wide range of cards designed to fit various lifestyles. Whether you’re a frequent traveler, an online shopper, or someone who loves rewards, there’s a card that suits your needs.
1. UnionBank Rewards Credit Card
You can earn rewards points on all spending categories with the UnionBank Rewards Credit Card. Every transaction made with this card lets you earn points redeemable for travel, cash credits, and more. For individuals want to optimize their spending power and gain points, this is the ideal card for you.
- Earn rewards points for every ₱30 spent.
- Redeem points for flights, gadgets, and lifestyle rewards.
- Get cash back or convert points into travel perks.
2. UnionBank Lazada Credit Card
For avid online shoppers, the UnionBank Lazada Credit Card is a must-have. This card offers Lazada credits and exclusive discounts, making it ideal for those who frequently shop online.
- Enjoy UnionBank Lazada Credit discounts and promotions.
- Receive exclusive UnionBank Lazada Credit Card Promos during the promo period.
- Redeem rewards for Lazada vouchers and shopping credits.
3. UnionBank Miles+ Visa Signature
If you love to travel, the UnionBank Miles+ Visa Signature is the card for you. It allows you to convert spending into travel rewards and take advantage of Cebu Pacific seat sales. This card is perfect for those who want to maximize travel benefits with points transfers to airline partners.
- Earn miles for every ₱30 spent.
- Use miles to book flights with Cebu Pacific and other airlines.
- Get access to premium airport lounges and exclusive deals.
To learn more about how you can convert your UnionBank Miles, check out this page.
4. UnionBank Cash Back Visa Platinum
For those who love savings, the UnionBank Cash Back Visa Platinum is a great option. This card offers cash back on everyday purchases, making it ideal for groceries, dining, and shopping.
- Get up to 6% cash back on dining and groceries.
- Enjoy rebates on fuel and other purchases.
- Pay with ease using UnionBank Online.
5. UnionBank Go Rewards Visa Credit Card
The UnionBank Go Rewards Visa Credit Card is tailored for those who frequently shop and travel. You can earn Go Rewards Gold or Go Rewards Platinum points and redeem them for exclusive perks.
- Earn Go Rewards points on all purchases.
- Use points for discounts, travel perks, and other merchants.
- Redeem points at Savers Appliances and partner stores.
How to Apply for a UnionBank Credit Card?
Applying is simple and can be done through UnionBank Online or the UnionBank Online App. The process is quick, and you’ll receive a card approval date upon successful application. To check the full list of requirements, visit UnionBank’s official page.
Here are some key requirements:
- Age: Must be between 18-70 years old.
- A valid government-issued ID.
- Proof of income or employment.
- Active email and mobile number.
To begin your application, visit this page.
UnionBank Welcome Gift Promo
New cardholders can enjoy a welcome gift upon activation. This promo runs during select periods, so check the promo mechanics for details. The UnionBank Welcome Gift Promo includes cash credits, shopping vouchers, and more.
Maximize Your UnionBank Credit Card Benefits

Owning a UnionBank Credit Card means getting the best out of your spending. Whether you’re booking flights with Cebu Pacific, earning Go Rewards, or taking advantage of exclusive deals, you’ll always have something to look forward to.
- Enjoy less fees and competitive interest charges.
- Get alerts for Cebu Pacific seat sales and spending categories promotions.
- Take advantage of promo runs and discounts from other merchants.
Conclusion
Enjoy More with UnionBank
With less fees, high rewards, and exclusive deals, UnionBank credit cards make life easier. Whether you prefer a Visa Platinum, a Gold Visa, or a UnionBank Platinum Mastercard, there’s a card that suits your needs. Apply now and experience premium perks from one of the top banks of the Philippines.
Frequently Asked Questions
UnionBank credit cards offer various rewards depending on the card type. For instance, the UnionBank Rewards Credit Card allows cardholders to earn points for every ₱30 spent, which can be redeemed for cash credits, merchandise, or travel perks. Similarly, the UnionBank Miles+ Visa Signature card enables users to accumulate miles redeemable for flights and other travel-related benefits.
You can apply for a UnionBank credit card by clicking here or visiting the official UnionBank website or by visiting a local branch. The application process typically requires personal identification, proof of income, and other relevant documents.
If your UnionBank credit card is lost or stolen, it's crucial to contact UnionBank's customer service immediately to report the incident and prevent unauthorized transactions. The bank will guide you through the process of securing your account and issuing a replacement card.
UnionBank provides a user-friendly online platform where you can manage your credit card account. Through this platform, you can view statements, make payments, and track transactions. Additionally, the UnionBank Online App offers convenient account management on-the-go.
The UnionBank PayEasy, Pay Later program allows credit cardholders to avail of 0% installment plans for up to 24 months and start payments up to two billing statements later. This program is designed to provide flexibility and ease for larger purchases.
UnionBank Miles+ World Mastercard

- Earn 1 never-expiring mile for every ₱30 spend
- Convert miles to airline miles or cash credits
- Enjoy VIP lounge access with FREE DragonPass Membership
- Up to ₱1 million travel insurance
- Complimentary 30-Day Purchase Protection
- Virtual Card for Virtual Shopping - Activate instantly upon approval
- Ideal for frequent travelers
UnionBank Cash Back Visa Platinum Credit Card

- Earn up to 6% never-expiring cash back on groceries
- Earn up to 2% never-expiring cash back on Meralco bill payments
- Earn up to 0.20% never-expiring cash back on all other purchases
- Save us much as ₱15,000 per year
- Ideal for individuals looking to maximize savings on everyday essentials
UnionBank Miles+ Visa Signature Credit Card

- Earn 1 never-expiring mile for every ₱30 spend
- Convert miles to airline miles or cash credits
- Enjoy VIP lounge access with FREE DragonPass Membership
- Up to ₱1 million travel insurance
- Complimentary 30-Day Purchase Protection
- Virtual Card for Virtual Shopping - Activate instantly upon approval
- Ideal for frequent travelers