UnionPay Diamond
RCBC · UnionPay
UnionPay Diamond
Why pick it: 2x points on China and Hong Kong dining, hotels
UnionPay points card: 1 point per ₱50 on discretionary spend, 2 points per ₱50 on hotels and dining in China and Hong Kong.
- Score
- 20 /100
- Status
- Closed to new
- Annual fee
- ₱3,000
Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.
Closed sa new applicants ayon sa data, pero nasa promo list pa rin. Hindi namin makumpirma kung open pa.
Bottom line: Kung hawak mo na ito at pupunta ka ng China o Hong Kong, keep it. Kung bago ka pa lang maghahanap ng card, sa iba ka na lang tumingin.
Read the full take: the math, what's good, what hurts
Para sa current cardholder, kumikita ang typical household (~₱825k a year) ng ~₱500, na may travel value na ~-₱1,000. Annual fee: ₱3,000; libre ang supplementary hanggang 9, per fee schedule. Ang waiver ay hinihingi mo sa bank at sila ang nagpapasya.
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 Plus insurance is ₱1,000,000 on tickets of ₱25,000 and up, ₱500,000 below that, basta sa card siningil ang ticket.
- 2 points per ₱50 sa hotels at dining sa China at Hong Kong, galing sa data at hindi nakalista sa page.
- Points na hindi nag-e-expire, ayon sa earn rules namin.
What's bad
- 1 point per ₱50 lang sa ibang spend, galing sa data, at may 3.50% service fee sa foreign currency ang peso card, per RCBC fee schedule.
- Limited ang UnionPay acceptance, galing sa data.
- The PAGSS lounge page doesn't mention this card, so confirm with the bank first.
The catch: Wala ang UnionPay Diamond sa kasalukuyang card list ng RCBC at wala kaming nakitang sariling product page. Nasa face-to-face no-fee promo table ito para sa Oct 16 to Dec 31, 2026 (₱60,000 spend), pero hanggang Sep 4, 2026 lang ang online table. Hindi namin makumpirma kung open pa, kaya itanong sa bank. Ang earn rate at income ay galing sa data.
Rechecked on the bank page on 2026-10-25. Not on the page: card product page; earn rate; minimum income; whether the card is open to new applicants. 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 −₱500 in rewards (₱500) and travel value (−₱1,000), before the ₱3,000 annual fee (on request; the bank decides)
- To qualify:
- ₱1,000,000 a year income; Product page removed; likely closed to new applicants (closed to new)
- Bank service:
- About typical.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value4 / 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 spend2 / 37
About ₱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 waivers12 / 16
A ₱3,000 fee that the bank may waive on request. 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 3.50% 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% installments8 / 15
0% installment network: strong. Promos: fair, judged by what a typical household would likely save from the promos this card gets, past and current, with 24 live promos tracked. How it is scored
- Points flexibility3 / 10
3 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 path2 / 5
No standard card level. The score also reflects how RCBC handles credit limit increases and card upgrades. How it is scored
- App and service2 / 5
Banking app: average. 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 ₱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
- ₱3,000
- Supplementary fee
- ₱0
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 3.50%
- Minimum income
- ₱1,000,000 a year
- Also needs
- Product page removed; likely closed to new applicants
Rewards
1 point per ₱50 on discretionary spend, 1 point per ₱125 at service merchants, 1 point per ₱250 on Fast BillsPay, and 2 points per ₱50 on hotels and dining in China and Hong Kong.
- Type
- Points
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles, Cathay Asia Miles, AirAsia Rewards
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- Up to ₱1,000,000, covers family
Strengths
- Points don't expire; 3 airline partners
Watch out for
- High FX fee (3.50%): avoid using it abroad
- UnionPay is accepted at fewer merchants
- Some details could not be verified
Live and upcoming promos (25)
As of Nov 11, 2026. Check each promo's source before you rely on it.
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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.