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UnionBank · Visa · Gold

Gold Visa

Why pick it: Unlimited Marhaba and PAGSS lounge entry

Legacy UB Gold Visa for existing holders: 1 point per ₱35, PAL Mabuhay transfer at 2.73:1, local lounge access.

Score
39 /100
Status
Closed to new
Annual fee
₱2,500
#52 of all 170 scored cards
KEEP IT IF YOU HAVE ITHonest take

Gold card na may ₱2,500 fee at 1 point per ₱35. Closed ito sa new applicants, from our data.

Bottom line: Hawak mo na ba ito at madalas ka sa airport? Keep it. Kung bagong card ang hanap mo, tumingin ka sa iba.

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

Current cardholder ka ba? Kung i-transfer mo ang points sa miles, ang typical household (~₱825k a year) ay may rewards na ~₱4,500 at travel value na ~-₱500 pagkatapos ng foreign fee. Fee: ₱2,500. Ang waiver ay hinihingi mo sa bank, at sila ang nagdedesisyon 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

  • Unlimited ang entry sa Marhaba (NAIA Terminals 1 at 3) at PAGSS Premium Lounges, per UB's lounge T&C; may bayad ang companions.
  • Nakalista sa rewards-program page ang PAL Mabuhay Miles transfer para sa Visa Gold, at hindi mag-e-expire ang points basta current at active ang account.
  • Mababa ang income requirement na ₱360,000 a year, per the UB requirements page.

What's bad

  • Mabigat ang foreign transaction fee: hanggang 3.00% (1% network fee plus up to 2% UB service fee, per the fees page).
  • 1 point per ₱35 ang earn, na mababa.
  • Per the UB Rewards Program T&C, Bill Manager utility enrollments earn no points.
  • Hindi nakalista sa page ang travel insurance, at wala rin ito from our data.

The catch: Walang laman ang product page ng card, 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 ang earn rate at points expiry. Depende sa PAL conversion ang halaga ng miles.

Rechecked on the bank page on 2026-10-28. Not on the page: earn rate; travel insurance; whether new applications are accepted; 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 ₱4,000 in rewards (₱4,500) 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 value12 / 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 spend10 / 37

      About ₱4,500 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 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 flexibility8 / 10

    1 airline partner, and points that do not expire. 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 ₱4,500 a year in rewards and −₱500 in travel value.

Score over time

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

methodmethodmethodmethod52 BOct 2450 BOct 2638 BOct 2738 BNov 238 BNov 438 BNov 938 BNov 1039 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 point per ₱35, for PAL Mabuhay miles or cash credit. Bills payment and Bill Manager enrollments earn no points.

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles

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

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.

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