Cebu Pacific Gold
Gold
UnionBank · Visa · Gold
Cebu Pacific Gold
Why pick it: 1 point per ₱100 on Cebu Pacific, local lounges
Entry Cebu Pacific co-brand: 1 Go Rewards point per ₱200, ₱100 on Cebu Pacific; automatic Go Rewards Black status.
- Score
- 29 /100
- Rank
- #53 of 123
- Annual fee
- ₱3,000
Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.
Para sa Cebu Pacific fans. Manipis ang details namin sa card na ito.
Bottom line: Frequent Cebu Pacific flyer ka ba? Puwede ito. Kumpirmahin sa bank ang lahat bago mag-apply.
Read the full take: the math, what's good, what hurts
Typical household (~₱825k a year): ~₱2,500 ang makokolekta, ~-₱500 ang travel value. Annual fee: ₱3,000; puwede mong hingin ang waiver, pero sa bank ang desisyon. #53 ang puwesto nito sa open list ng 123 cards; 29 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
- 1 Go Rewards point per ₱100 sa Cebu Pacific, 1 point per ₱200 sa iba. Per the Go Rewards T&C, hindi cash ang points at sa Go Rewards lang magagamit.
- ₱360,000 a year ang income requirement.
- Unlimited PAGSS lounge, per UB's lounge terms ("Cebu Pacific Visa Credit" ang name, walang tier na nakasulat); bayad ang companions.
What's bad
- 1 point per ₱200 lang ang earn outside Cebu Pacific.
- Per the Go Rewards T&C, walang points ang bills payment.
- 3.00% ang foreign fee, kaya hindi ito pang-abroad.
- Hindi nakalista ang travel insurance, from our data, at 404 ang product page ng card.
The catch: 404 ang product page nito sa UB site, kaya hindi namin nabasa. Galing sa UB requirements table ang fee, income at foreign fee, at sa Go Rewards T&C ang earn rate. Kaunti lang ang source dito, kaya i-confirm sa bank bago mag-apply, lalo na ang lounge, dahil PAGSS terms lang ang nagbabanggit nito para sa card na ito.
Rechecked on the bank page on 2026-10-28. Not on the page: the card's own product page (node 159 returned 404); travel insurance; points expiry. 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 ₱2,000 in rewards (₱2,500) and travel value (−₱500), before the ₱3,000 annual fee (on request; the bank decides)
- To qualify:
- ₱360,000 a year income
- Bank service:
- About typical.
First year
- Welcome offer:
- Via Moneymax (new-to-UB applicants holding another bank's card): choose a gift up to ₱3,990, e.g. ₱3,000 Giftaway eGift; no spend requirement stated. (ends Jan 31, 2027)
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
#53 of 123 cards open to new applicants, and #75 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value5 / 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 waivers0 / 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 3.00% foreign fee. It includes lounge visits (each person in a household of three who gets in counts). 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 32 live promos tracked. How it is scored
- Points flexibility6 / 10
1 airline partner, and points that 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 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 ₱2,500 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
- ₱1,500
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 3.00%
- Minimum income
- ₱360,000 a year
Rewards
1 Go Rewards point per ₱200, and 1 per ₱100 at Cebu Pacific. 1 point = ₱1. Bills payment and Bill Manager enrollments earn no points.
- Type
- Points
- Points expiry
- unknown
- Airline partners
- Cebu Pacific Go Rewards
Travel perks
- International lounge visits
- None
- Local lounge
- unlimited
- Travel insurance
- None
Strengths
- Unlimited local lounge access
Watch out for
- High FX fee (3.00%): avoid using it abroad
- Some details could not be verified
Live and upcoming promos (32)
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.
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