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UnionBank · Mastercard or Visa · Titanium

Cash Back

Why pick it: 6% back at supermarkets with ₱10k other spend

Mastercard grocery cashback card: 6% at supermarkets and 2% on Meralco via UB PayBill with ₱10k other spend per cycle; 0.2% otherwise.

Score
43 /100
Rank
#29 of 123
Annual fee
₱4,500
Borderline A/B
GET IT IF…Honest take

Strong sa groceries, weak sa iba pa. Basahin muna ang ₱10,000 condition.

Bottom line: Sulit ito kung groceries ang bulk ng bill mo at abot mo ang ₱10,000 sa ibang spend. Kung hindi, 0.2% lang ang earn, at hindi mababawi ang fee.

Read the full take: the math, what's good, what hurts

Sa typical household (~₱825k a year), ~₱10,000 ang kita, pero negative ang travel (~-₱2,000) dahil sa foreign fee (3.52%). Annual fee: ₱4,500. Maaari kang humingi ng waiver, at sa bank ang final say, galing sa data. Sa open list, #29 ito mula sa 123; 43 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

  • 6% cashback sa supermarkets (MCC 5300, 5309, 5310, 5411).
  • 2% sa Meralco bill via UB PayBill.
  • Cash rebate ito, kaya hindi mo kailangang i-track ang points. May ₱5,000 Giftaway eGift welcome gift sa ₱20,000 spend within 60 days (new-to-UB customers only), galing sa data.

What's bad

  • ₱10,000 outstore spend muna (labas ng supermarkets at Meralco) bago makuha ang 6% at 2%.
  • 0.2% lang ang earn sa all other spend. May ₱1,250 a month rebate cap, galing sa data.
  • Pang-local ito: hanggang 3.52% ang foreign fee (1% network fee plus up to 2.525% UB service fee).

The catch: Blank ang mismong card page, kaya binasa namin ang rewards-program page at fee table ng UB. Doon galing ang 6%, 2%, 0.2% at ₱10,000 condition. Galing sa fee table (July 2025) ang ₱4,500, at mula sa data ang ₱180,000 a year income requirement; unconfirmed pa. Pareho ang rebate table ng Visa Platinum version; Titanium Mastercard ang na-score.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; the card's own product page (node 4020 loads empty); welcome gift (from our row); cap of ₱1,250 a month (from our row). 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 ₱8,000 in rewards (₱10,000) and travel value (−₱2,000), before the ₱4,500 annual fee (on request; the bank decides)
To qualify:
₱180,000 a year income
Bank service:
About typical.

First year

Welcome offer:
Welcome Gift for new-to-UB/Citi principals: ₱5,000 Giftaway eGift on ₱20,000 spend within 60 days of approval (approval by Dec 31, 2026). Alternative via Moneymax: gift up to ₱3,990, apply by Jan 31, 2027. (ends Dec 31, 2026)

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#29 of 123 cards open to new applicants, and #38 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value17 / 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 spend21 / 37

      About ₱10,000 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 waivers0 / 16

      A ₱4,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱2,000 of travel value on one trip abroad a year, after the 3.52% foreign fee. How the bars work

  • Promos and 0% installments13 / 15

    0% installment network: fair. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 31 live promos tracked. How it is scored

  • Points flexibility6 / 10

    Cashback is simple to use but cannot move to an airline. How it is scored

  • Credit limit and upgrade path3 / 5

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

  • App and service4 / 5

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

  • Late fee0 / 2

    A late fee of ₱1,500 for one missed payment. How it is scored

On the default spend: about ₱10,000 a year in rewards and −₱2,000 in travel value.

Score over time

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

methodmethodmethodmethod56 AOct 2456 AOct 2642 AOct 2742 ANov 242 ANov 442 ANov 943 ANov 1043 ANov 11
  • 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
₱4,500
Supplementary fee
₱2,250
Fee waiver
On request; the bank decides
Foreign transaction fee
3.52%
Minimum income
₱180,000 a year

Rewards

6% cash back at supermarkets and 2% on Meralco through UB PayBill, when other spend reaches ₱10,000 in the cycle; otherwise 0.2%.

Caps: ₱1,250 per month (groceries, fuel, tolls & car service, utilities, telco bills, dining, online shopping, foreign online spend, department stores, drugstores, school fees, airfare, hotels, spending abroad, everything else)

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • High FX fee (3.52%): avoid using it abroad
  • ₱4,500 annual fee; a waiver is not guaranteed
  • Rewards capped at ₱1,250 a month
  • Earns little outside its bonus categories

Live and upcoming promos (38)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 33 more

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.

Official UnionBank card page ↗