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UnionBank · Mastercard · Gold

Gold MC

Why pick it: Flat 1% cashback with a ₱360k income requirement

Legacy Gold Mastercard: flat 1% cashback on retail spend excluding bills and wholesale clubs, redeemable in ₱1,000 increments.

Score
38 /100
Status
Closed to new
Annual fee
₱2,500
#53 of all 170 scored cards
KEEP IT IF YOU HAVE ITHonest take

Flat 1% cashback sa qualified spend. Closed na ito, from our data, at mabigat ang foreign fee.

Bottom line: Meron ka na ba nito? Keep it, lalo na kung hindi ka madalas bumiyahe abroad. Kung naghahanap ka ng bagong card, ibang card na lang.

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

Kapag hawak mo na ito, ~₱5,500 ang rewards ng typical household (~₱825k a year), habang ~-₱500 ang travel side pagkatapos ng foreign fee. Annual fee: ₱2,500. Puwede mong itanong sa bank ang waiver, pero sila ang huling 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

  • 1% cashback sa lahat ng qualified spend, per the rewards-program page.
  • Hindi nag-e-expire ang cashback, ayon sa data.
  • Mababa ang income requirement na ₱360,000 a year, per the UB requirements page.

What's bad

  • ₱1,000 ang minimum redemption, at mawawala ang balance na below ₱1,000 kapag na-cancel ang card.
  • Per the rewards-program T&C, hindi qualified ang wholesale clubs, gaming at recurring bills na naka-enroll sa Bills Manager.
  • Hanggang 3.00% ang foreign transaction fee (1% network fee plus up to 2% UB service fee, per the fees page), at hindi nakalista sa mga page na nabasa namin ang lounge.

The catch: Walang laman ang product page, kaya hindi namin makumpirma sa bank pages kung closed na ito. Nasa UB fee table (July 2025) pa rin ito. Galing sa UB tables ang fee, income at foreign fee; sa rewards-program page (Cashback Gold and Platinum Mastercard) galing ang cashback rules at exclusions.

Rechecked on the bank page on 2026-10-24. Not on the page: whether new applications are accepted; card status (page does not say open or closed); lounge; cashback expiry (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 ₱5,000 in rewards (₱5,500) and travel value (−₱500), before the ₱2,500 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 value13 / 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 spend11 / 37

      About ₱5,500 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 ₱2,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱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 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

    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 ₱5,500 a year in rewards and −₱500 in travel value.

Score over time

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

methodmethodmethodmethod50 BOct 2449 BOct 2638 BOct 2738 BNov 238 BNov 438 BNov 938 BNov 1038 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
₱2,500
Supplementary fee
₱1,250
Fee waiver
On request; the bank decides
Foreign transaction fee
3.00%
Minimum income
₱360,000 a year

Rewards

1% cash back per qualified retail purchase, rounded down per transaction. Redeem only in ₱1,000 steps; a balance below ₱1,000 is forfeited if you cancel. Wholesale clubs, gaming and Bills Manager recurring bills earn nothing.

Type
Cashback
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

Live and upcoming promos (31)

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

Show 26 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 ↗