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UnionBank · Mastercard · Platinum

Grab Platinum MC

Why pick it: 5x points on Grab and yearly Grab vouchers

Grab co-brand for existing holders: 5x points on Grab (to ₱10k/cycle), 3x dining and entertainment; ₱2,000 yearly Grab vouchers after ₱120k spend.

Score
21 /100
Status
Closed to new
Annual fee
₱2,500
#133 of all 170 scored cardsThin data

Thin data: some figures on this card are less certain than usual; the bank does not publish the income requirement. Check with the bank before you apply.

KEEP IT IF YOU HAVE ITHonest take

Pang-Grab na co-brand: 5 points per ₱30 sa Grab, at maliit ang value ng points ayon sa data.

Bottom line: Hawak mo na ba ito at Grab ang gamit mo araw-araw? Keep it. Kung hindi, hindi ito magbibigay ng malaking value.

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

Ang typical household (~₱825k a year) ay ~₱500 lang ang kita rito, at negative ang travel value (~-₱2,500) dahil sa foreign transaction fee. Annual fee: ₱2,500; may option kang hilingin sa bank na i-waive ito, at sila ang may huling salita.

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

  • 5 points per ₱30 sa Grab, hanggang ₱10,000 na Grab spend per statement cycle.
  • 3 points per ₱30 sa restaurants, cinemas, iba pang entertainment venues at listed online subscriptions gaya ng Spotify at Netflix, per Grab T&C (Apr 2026).
  • ₱2,000 Grab voucher bilang anniversary gift kapag umabot ng ₱120,000 retail spend sa loob ng 12 months, per same T&C.

What's bad

  • 1 point per ₱30 lang ang earn sa lahat ng iba.
  • Hanggang 3.52% ang singil sa foreign purchases (1% network fee plus up to 2.525% UB service fee), per fees page.
  • Hindi nakalista sa T&C ang redemption ratios ng points.

The catch: Manipis ang source namin dito. Nasa UB fee table pa rin ang card (cards-fees page, dated July 2025) at may T&C na dated Apr 2026. Closed ito ayon sa data, pero hindi namin makumpirma kung tumatanggap pa ng new applicants, kaya itanong sa bank. Assumption namin ang value ng points. Hindi rin nakalista sa T&C ang income requirement.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee in the T&C itself; minimum income; whether new applications are accepted; card status (page does not say open or closed); redemption ratios. 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 −₱2,000 in rewards (₱500) and travel value (−₱2,500), before the ₱2,500 annual fee (on request; the bank decides)
To qualify:
Not published (closed to new)
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value0 / 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 spend2 / 37

      About ₱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 spend0 / 10

      About −₱2,500 of travel value on one trip abroad a year, after the 3.52% 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 flexibility1 / 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 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 ₱500 a year in rewards and −₱2,500 in travel value.

Score over time

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

methodmethodmethodmethod38 DOct 2438 DOct 2621 COct 2721 DNov 221 CNov 421 CNov 921 CNov 1021 CNov 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
3.52%
Minimum income
Not published

Rewards

1 point per ₱30, 5 points per ₱30 on Grab (up to ₱10,000 Grab spend per cycle), and 3 points per ₱30 at restaurants, cinemas, entertainment and streaming subscriptions. Pay with Points on Grab, cash credit or GrabRewards. Anniversary gift of ₱2,000 Grab vouchers after ₱120,000 retail spend in 12 months.

Type
Points
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • High FX fee (3.52%): avoid using it abroad
  • Some details could not be verified

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 ↗