Skip to content
SulitCard
Illustration, not the bank's artwork.

UnionBank · Visa · Platinum

Go Rewards Platinum Visa

Why pick it: Unlimited Marhaba and PAGSS lounges

Robinsons Retail co-brand: 1 Go Rewards point per ₱100 at Robinsons stores, ₱200 elsewhere; local lounge access, ₱10M travel insurance.

Score
31 /100
Rank
#50 of 123
Annual fee
₱5,000
Solid B
GET IT IF…Honest take

Para sa Robinsons loyalists. Sa ibang store, 1 point per ₱200 lang ang earn mo.

Bottom line: Sa Robinsons ka na ba namimili at pasok ka sa ₱600,000 a year na income? Bagay ito sa'yo. Kung hindi, 1 point per ₱200 lang ang earn mo sa ibang store.

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

Batay sa typical household (~₱825k a year), umaabot sa ~₱3,500 ang balik at ~₱0 ang travel value. ₱5,000 ang fee ng principal card at ₱2,500 sa supplementary. Puwede mong hingin ang waiver, pero sa bank ang desisyon. #50 ito sa 123 open cards, 31 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

  • Sa Robinsons Retail stores, 1 Go Rewards point per ₱100, at 1 per ₱200 sa lahat ng iba.
  • 2.00% lang ang foreign fee, from our data, at may travel insurance up to ₱10M.
  • Unlimited Marhaba at PAGSS lounges, per UB's lounge terms; bayad ang companions.

What's bad

  • Malaki ang ₱5,000 fee para sa 1 point per ₱200 na earn sa labas ng Robinsons. Per the Go Rewards T&C, walang points ang bills payment.
  • Hindi nakalista sa page kung nag-e-expire ang points.
  • ₱600,000 a year ang income requirement, plus ₱50,000 spend within 60 days para sa welcome gift.

The catch: Wala sa card page mismo ang annual fee at income. Galing ang ₱5,000 sa fee table ng UB (July 2025), at ang ₱600,000 a year sa requirements page ng UB. Hindi nagpapakita ang Platinum page ng Apply Now button, kaya i-confirm kung open pa sa new applicants.

Rechecked on the bank page on 2026-10-28. Not on the page: annual fee on the card page itself; minimum income on the card page; points expiry; Apply Now button for Platinum (only Gold has one on the overview). 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 ₱3,500 in rewards, 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:
Welcome Gift: 5,000 Go Rewards points (₱5,000) on ₱50,000 spend within 60 days of card receipt (card page; no end date stated). Alternative via Moneymax: gift up to ₱3,990, apply by 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

#50 of 123 cards open to new applicants, and #71 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 spend8 / 37

      About ₱3,500 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

      Under ₱250 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 flexibility7 / 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 ₱3,500 a year in rewards and ₱0 in travel value.

Score over time

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

methodmethodmethodmethod47 BOct 2446 BOct 2632 BOct 2732 BNov 232 BNov 432 BNov 932 BNov 1031 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
₱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 Robinsons Retail Group stores. 1 point = ₱1, credited automatically, usable at Robinsons Retail and Go Rewards partners. 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
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.

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 ↗