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UnionBank · Visa · Classic

Classic Visa

Why pick it: Points redeemable for cash credit or Petron fuel

Legacy entry card for existing holders: 1 point per ₱35, redeemable for cash credit, gift certificates or Petron fuel load.

Score
26 /100
Status
Closed to new
Annual fee
₱1,500
#90 of all 170 scored cardsThin data

Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.

KEEP IT IF YOU HAVE ITHonest take

Entry card ng UB: ₱1,500 ang fee at 1 point per ₱35. Closed na ito, galing sa data.

Bottom line: Kung hawak mo na ito, keep mo lang kung okay sa'yo ang fee. Kung bagong card ang hanap mo, humanap ka ng iba.

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

Para sa existing holders, ~₱2,000 ang rewards ng typical household (~₱825k a year), at travel side na ~-₱1,500, negatibo dahil sa foreign fee. Ang annual fee ay ₱1,500. Kung hihilingin mo ang waiver, ang bank ang magpapasya sa bawat request.

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

  • ₱750 lang ang supplementary card, per the UB fee table.
  • ₱360,000 a year lang ang minimum gross income, per UB requirements page.
  • Walang expiry ang points, from our data.

What's bad

  • 1 point per ₱35 lang ang earn, per the UB rewards-program page.
  • Hanggang 3.00% ang foreign charge: 1% network fee plus up to 2% UB service fee, per the fees page.
  • Hindi nag-e-earn ng points ang Bill Manager utility enrollments, per the UB Rewards Program T&C.
  • Wala ang Classic sa PAL Mabuhay Miles redemption list ng rewards-program page.

The catch: Manipis ang source namin dito. Hindi namin makumpirma sa mga page ng bank kung closed na ito. Nakalista pa rin ito sa UB fee table (July 2025). Confirmed sa UB pages at tables ang fee, income, foreign fee at earn rate. Hindi nakalista sa mga page na nabasa namin ang lounge, kaya kumpirmahin sa bank ang status at ang lounge.

Rechecked on the bank page on 2026-10-24. Not on the page: PAL transfer; whether new applications are accepted; lounge; card status (page does not say open or closed). 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 (₱2,000) and travel value (−₱1,500), before the ₱1,500 annual fee (on request; the bank decides)
To qualify:
₱360,000 a year income (closed to new)
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • 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 spend5 / 37

      About ₱2,000 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 waivers8 / 16

      A ₱1,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,500 of travel value on one trip abroad a year, after the 3.00% 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 32 live promos tracked. How it is scored

  • Points flexibility3 / 10

    Bank points with no airline partner 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

    Classic 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 ₱2,000 a year in rewards and −₱1,500 in travel value.

Score over time

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

methodmethodmethodmethod42 COct 2441 DOct 2626 COct 2726 CNov 226 CNov 426 CNov 926 CNov 1026 BNov 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
₱1,500
Supplementary fee
₱750
Fee waiver
On request; the bank decides
Foreign transaction fee
3.00%
Minimum income
₱360,000 a year

Rewards

1 point per ₱35, for cash credit or Petron e-Fuel loads; PAL transfer is not listed for Classic. Bills payment and Bill Manager enrollments earn no points.

Type
Points
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

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.

Show 27 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 ↗