Cebu Pacific Platinum
Platinum
UnionBank · Visa · Platinum
Cebu Pacific Platinum
Why pick it: 2% foreign fee, lounge access, ₱10M insurance
Cebu Pacific co-brand: 1 Go Rewards point per ₱200, ₱100 on Cebu Pacific; Go Rewards Black status and local lounge access.
- Score
- 29 /100
- Rank
- #58 of 123
- Annual fee
- ₱5,000
Mababa ang foreign fee, pero 0.5% lang ang earn sa labas ng Cebu Pacific.
Bottom line: Madalas kang lumipad ng Cebu Pacific at pasok sa ₱600,000 a year na income? Bagay ito sa'yo. Kung ibang airline ang gamit mo, 1 point per ₱200 lang ang earn mo.
Read the full take: the math, what's good, what hurts
Sa typical household (~₱825k a year), ~₱2,500 ang rewards at ~₱500 ang travel side, positive kasi 2.00% lang ang foreign fee. ₱5,000 ang annual fee; pwede kang mag-request ng waiver, bahala ang bank. #58 sa 123, 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
- 2.00% lang ang foreign fee, per the UB comparison page.
- Unlimited Marhaba at PAGSS lounges, per UB's lounge terms (companions pay), at libreng travel insurance hanggang ₱10M, per the Go Rewards T&C.
- 1 Go Rewards point per ₱100 sa Cebu Pacific.
What's bad
- 1 point per ₱200 lang ang earn sa lahat ng iba. Per the Go Rewards T&C, walang points ang bills payment.
- ₱600,000 a year ang income requirement.
- Hindi nakalista sa comparison page kung nag-e-expire ang points.
The catch: Walang laman ang product page ng card, kaya binasa namin ang comparison page ng UB para sa fee, income at foreign fee. Nasa Marhaba at PAGSS terms ng UB ang lounge, at nasa Go Rewards T&C (Sep 2025) ang insurance.
Rechecked on the bank page on 2026-10-28. Not on the page: the card's own product page (node 5119 loads empty); 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 ₱3,000 in rewards (₱2,500) and travel value (₱500), before the ₱5,000 annual fee (on request; the bank decides)
- To qualify:
- ₱600,000 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
#58 of 123 cards open to new applicants, and #80 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- 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 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 ₱5,000 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 2.00% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and travel insurance, though insurance counts only a little toward this figure and the score. 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
Platinum 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
- ₱5,000
- Supplementary fee
- ₱2,500
- Fee waiver
- On request; the bank decides
- Foreign transaction fee
- 2.00%
- Minimum income
- ₱600,000 a year
Rewards
1 Go Rewards point per ₱200, and 1 per ₱100 at Cebu Pacific, credited monthly to your Go Rewards account. 1 point = ₱1 at Robinsons Retail, Cebu Pacific and partners. Bills payment, annual fees, gaming and business purchases earn nothing.
- Type
- Points
- Points expiry
- unknown
- Airline partners
- Cebu Pacific Go Rewards
Travel perks
- International lounge visits
- None
- Local lounge
- unlimited
- Travel insurance
- Up to ₱10,000,000
Strengths
- Low FX fee (2.00%)
- Unlimited local lounge access
- Travel insurance up to ₱10M
Watch out for
- ₱5,000 annual fee; a waiver is not guaranteed
Live and upcoming promos (32)
As of Nov 11, 2026. Check each promo's source before you rely on it.
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- UnionBankEnds Dec 31, 2026All UnionBank credit cards
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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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