Diamond UnionPay
PNB · UnionPay
Diamond UnionPay
Why pick it: Up to ₱10M insurance when you charge the ticket
UnionPay points card: 1 point per ₱70 (1:1 Mabuhay Miles or cash credit), single or dual-currency billing, ₱10M travel insurance.
- Score
- 36 /100
- Rank
- #42 of 123
- Annual fee
- ₱3,000
₱10M ang travel insurance, pero UnionPay network ito at ₱3,000 ang fee.
Bottom line: Madalas ka ba sa Asia at gagamitin mo ang UnionPay offers? Okay ito. Kung hindi, mas flexible ang Mastercard o Visa card.
Read the full take: the math, what's good, what hurts
Sa typical household (~₱825k a year), nasa ~₱5,000 ang return, at ~₱500 naman ang travel value after ng foreign fee (2.50%, galing sa fees PDF). Binibilang ang points bilang Mabuhay Miles sa return na ito. ₱3,000 a year ang bayad; puwede kang mag-request ng waiver, bahala ang bank sa bawat request (galing sa data). Hindi kasama sa data ang free first year sa fees PDF. Sa open list, #42 ito mula sa 123; 36 ang score.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- Travel insurance up to ₱10M kapag na-charge sa card ang entire roundtrip ticket.
- May UnionPay Global Offers para sa perks at discounts kapag nag-shop ka sa Asia.
- Cash advance na hanggang 50% ng limit mo, at single o dual currency billing.
What's bad
- ₱70 = 1 point lang, at ₱3,000 ang annual fee.
- Mas kaunti ang tumatanggap ng UnionPay kaysa Mastercard o Visa, galing sa data.
- Foreign fee: 2.50% per the fees PDF, at walang lounge na nakalista sa page.
The catch: Wala sa product page ang annual fee; nasa Fees & Charges PDF ng PNB ang ₱3,000. Wala rin sa page ang income (₱600,000 a year, galing sa data) at ang rewards cap.
Rechecked on the bank page on 2026-10-25. Not on the page: annual fee (product page itself; it is in the linked PDF); minimum income; fee waiver terms; rewards caps; lounge access; UnionPay acceptance level (our data). Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about ₱5,500 in rewards (₱5,000) and travel value (₱500), before the ₱3,000 annual fee (on request; the bank decides)
- To qualify:
- ₱600,000 a year income
- Bank service:
- About typical.
Score breakdown, fees, rewards and perks
Score breakdown
#42 of 123 cards open to new applicants, and #61 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value19 / 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 spend11 / 37
About ₱5,000 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 waivers12 / 16
A ₱3,000 fee that the bank may waive on request. How the bars work
- Travel and perks on the default spend2 / 10
About ₱500 of travel value on one trip abroad a year, after the 2.50% foreign fee. It includes travel insurance, though insurance counts only a little toward this figure and the score. How the bars work
- Promos and 0% installments3 / 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 8 live promos tracked. How it is scored
- Points flexibility8 / 10
1 airline partner, and points that do not expire. How it is scored
- Credit limit and upgrade path3 / 5
No standard card level. The score also reflects how PNB handles credit limit increases and card upgrades. How it is scored
- App and service2 / 5
Banking app: basic. Service: about typical. How it is scored
- Late fee1 / 2
A late fee of ₱1,000 for one missed payment. How it is scored
On the default spend: about ₱5,000 a year in rewards and ₱500 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
- ₱3,000
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱600,000 a year
Rewards
1 point per ₱70. Utility bills earn nothing. Single or dual-currency billing.
Caps: ₱1,143 per month (groceries); ₱571 per month (fuel); ₱286 per month (drugstores)
- Type
- Points
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱10,000,000, covers family
Strengths
- Travel insurance up to ₱10M covering family
Watch out for
- Rewards on drugstores capped at ₱286 a month
- UnionPay is accepted at fewer merchants
Live and upcoming promos (8)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- PNBEnds Dec 31, 2026All PNB credit cards
- PNBEnds Nov 12, 2026All PNB credit cards
- PNBOngoingAll PNB credit cards
- PNBEnds Dec 31, 2026All PNB credit cards
- PNBEnds Dec 31, 2026All PNB credit cards
Show 3 more
- Karat World: 50% off gold and diamond pieces plus 0% for up to 12 months with PNB credit cardsScore 58PNBEnds Jan 3, 2027All PNB credit cards
- PNBEnds Oct 19, 2027All PNB credit cards
- PNBEnds Oct 25, 2027All PNB credit cards
What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.