Manchester United Visa

Score breakdown

#67 of 123 cards open to new applicants, and #97 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

• Yearly value9 / 63

  These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

  • Rewards on the default spend6 / 37

    About ₱2,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

  • Annual fee after waivers16 / 16

    The ₱2,500 fee is waived automatically at ₱24,000 of yearly spend, which the typical household reaches. How the bars work

  • Travel and perks on the default spend1 / 10

    About −₱1,000 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work

• Promos and 0% installments4 / 15

  0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 29 live promos tracked. How it is scored

• Points flexibility6 / 10

  4 airline partners, and points that do not expire. It counts for less here because the card earns little back on this spend. How it is scored

• Credit limit and upgrade path3 / 5

  Gold card level, plus how Maybank handles credit limit increases and card upgrades. How it is scored

• App and service3 / 5

  Banking app: average. Service: about typical. How it is scored

• Late fee1 / 2

  A late fee of ₱850 for one missed payment, or the unpaid minimum due if that is lower. How it is scored

On the default spend: about ₱2,500 a year in rewards and −₱1,000 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

• Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
• Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
• Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
• Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
• Method changes

Fees and who can apply

Annual fee

₱2,500

Supplementary fee

₱1,500

Fee waiver

Waived automatically at ₱24,000 yearly spend

Foreign transaction fee

2.50%

Minimum income

₱420,000 a year

Also needs

Must hold another local card 10+ months with ₱30k+ limit

Rewards

1 TreatsPoint per ₱25, 5x when Manchester United wins a Premier League match, and 10x at the United Direct online megastore.

Type

Points

Points expiry

none

Airline partners

Asia Miles, KrisFlyer, PAL Mabuhay Miles, AirAsia

Travel perks

International lounge visits

None

Local lounge

None

Travel insurance

None