It is one of the few e-commerce stores that extensively changed the conduct of shopping among Pinoys. In partnership with UnionBank, the Lazada Credit Card has been an essential financial tool for frequent online shoppers. Let's dive into the features, benefits, and the intricacies of the UnionBank Lazada Credit Card, focusing on why it will stand out from the many offers in this rapidly growing market.
Features Present
The UnionBank Lazada Mastercard is a complement to the experience of buying on Lazada, not an ordinary credit card. For regular customers, this kind of card offers unique combinations of rewards and useful features. Cardholders can earn cashbacks of up to 5% for their purchases on Lazada, and accumulations add up quickly and help improve the whole buying experience. Apart from promoting consumption, this kind of reward platform hones consumer loyalty to UnionBank and Lazada.
Another feature to give added purchasing power is that Lazada purchases are covered through an interest-free payment plan with the card. This benefits customers in a tremendous way as it allows them to spread the cost of their purchase over a number of months without additional charges. This is especially helpful during periods when sales abound, and consumers will go on huge spending sprees on items they have long wanted for themselves.
How to Apply
This application for UnionBank Lazada Mastercard has been made easy and inviting to the high-tech applications of customers. It is very practical since the applicants can do it online.
What the applicant needs:
- Age: 18 - 70 years old
- Minimum Income of ₱360,000
- Government-issued ID with photograph and signature
- Income proof
- ITR
- Certificate of Employment
- Latest 3-month payslip
- Must have postpaid landline or mobile phone
- TIN, SSS, or GSIS number, or UMID number
Additional Fees:
- Annual Fee: ₱3,000.00
- Monthly Fee: ₱400 or 4% of total outstanding balance
- Interest Rate: ₱3
Rewards and Cash Back: A Closer Look
The prize program of the UnionBank Lazada Mastercard is truly the most attractive feature. As indicated in the discussion above, cardholders can enjoy an up to 5% cashback on purchases at Lazada, which over time can amass a pretty considerable amount. A cardholder would really feel highly rewarded and valued because they can utilize the cashback in paying for future purchases or get reimbursed back into their account.
Apart from exclusive discount during sales, cardholders can also enjoy the following:
- ₱50 shipping vouchers every month
- ₱500 off on Lazada sales all throughout the year
- ₱ 5000 Lazada credits for new-approved cardholders.
In addition to the above advantages, the card also offers a few other benefits in terms of transactions made outside of Lazada. With each transaction, card holders acquire points which could be redeemed through a wide variety of such benefits such as exclusive discounts at Lazada itself or at partner enterprises. And while this dual rewards program encourages the use of Lazada for online purchases, it also challenges users to actually use their cards for regular transactions.
For this purpose, the credit card from UnionBank Lazada includes several nifty features built in that are supposed to help one manage his money efficiently. Its users can track their spending in real-time and get insights into their spending patterns through the UnionBank mobile app. This function is highly useful for individuals who want to maximize the cashback earnings or those people who cannot create a budget easily.
The app also contains a setup allowing cardholders to limit their spending by limiting specific account balances and get alerts on when payments are due. This responsible attitude towards money management is quite essential today because impulsive buying can result in massive debt.
Special Discounts and Promos
Apart from its basic features, the UnionBank Lazada Credit Card occasionally provides special deals that make it even more appealing. The discounts cardholders might receive for joining Lazada's super sales events are usually notable deals-including 11.11 and 12.12. Furthermore, this makes cashback opportunities available to the users more frequently; with providing cardholders with excellent savings opportunities as well for as much money as possible on the most in-demand products.
Additionally, the card normally grants access to exclusive private pre-sale events, so that card holders can purchase extremely popular merchandise even before it is available to the public. This is another feature that further enlivens exclusivity in the experience of purchasing.
Customer Support and Accessibility
The bank boasts a great amount of pride in customer service, and that approach extends to Lazada credit card owners as well. It ensures cardholders have ready access to help whenever needed through a wide base of support systems in place. For all of their needs, be assured of access through the UnionBank mobile application, a dedicated customer service hotline, or online chat services.
Because of all of this, the user-friendly UI of the app is now more accessible, resulting in a smooth experience for all users.
This dedication to providing exceptional customer service is bolstered by a vast network of branches and ATMs that facilitate cardholder account management.
Final Thought: A Win-Win Idea
To put it short, the UnionBank Lazada Credit Card is a complete financial solution that perfectly meets the requirements of the new generation of clients. For all the permanently online shoppers, with its mixture of high cash-back rewards, flexible means of payment, and practical tools for financial management, it is a worthwhile move.
Truly, with a strong intention at offering superior customer care and an attractive rewards program, UnionBank has come up with a credit card to improve the Lazada shopping experience while giving the user the tools needed to keep his or her money clean. Be it first-time online shopper or long-time online shopper, every once in a while, an offer like this should be considered. You can look for more information about the card at Finmerkado and process your application.
