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UnionBank · Visa · Gold

Mercury Drug Visa Gold

Why pick it: 2.5% back in points at Mercury Drug

Mercury Drug co-brand: 5 points per ₱200 at Mercury Drug and health/wellness merchants, 3 on foreign currency; 1 point = ₱1.

Score
32 /100
Rank
#49 of 123
Annual fee
₱2,000
Solid BThin data

Thin data: the bank does not publish the income requirement. Check with the bank before you apply.

GET IT IF…Honest take

2.5% sa Mercury Drug, pero 0.5% lang sa ibang spend. Dapat suki ka ng Mercury.

Bottom line: Sulit ang 2.5% kung sa Mercury ka madalas bumili ng gamot at vitamins. Kung hindi, humanap ng ibang card.

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

Sa typical household (~₱825k a year), nasa ~₱3,500 ang balik, pero -₱1,000 ang travel value, negative dahil sa foreign fee na 1% network fee plus up to 2.525% UB service fee (fees page). Annual fee: ₱2,000; pwede kang mag-request ng waiver, bahala ang bank. #49 sa 123, 32 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

  • 5 points per ₱200 sa Mercury Drug, o 2.5%. May 300 bonus points sa first Mercury purchase mo na ₱300 pataas.
  • 3 points per ₱200 sa foreign-currency spend, pero kinakain ito ng foreign fee (1% network fee plus up to 2.525% UB service fee).

What's bad

  • 1 point per ₱200 lang ang earn sa ibang spend, o 0.5%.
  • Hindi nakalista sa T&C ang income requirement.

The catch: 404 ang product page ng card, kaya binasa namin ang Mercury Drug T&C (Sep 2025). Capped sa 8,000 points per statement cycle ang 5x rate, tapos babalik sa 1 point per ₱200. ₱2,000 ang fee, mula sa UB fee table (July 2025).

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; the card's own product page (node 160 returned 404). 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 ₱2,500 in rewards (₱3,500) and travel value (−₱1,000), before the ₱2,000 annual fee (on request; the bank decides)
To qualify:
Not published
Bank service:
About typical.

First year

Welcome offer:
300 bonus points (₱300) on the first Mercury Drug purchase of ₱300 or more (program T&C; standing offer). (no end date stated)

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

#49 of 123 cards open to new applicants, and #70 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value9 / 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 spend7 / 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 waivers4 / 16

      A ₱2,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,000 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 32 live promos tracked. How it is scored

  • Points flexibility5 / 10

    Bank points with no airline partner 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 ₱3,500 a year in rewards and −₱1,000 in travel value.

Score over time

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

methodmethodmethodmethod45 COct 2445 COct 2631 BOct 2731 BNov 232 BNov 432 BNov 932 BNov 1032 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
₱2,000
Supplementary fee
₱900
Fee waiver
On request; the bank decides
Foreign transaction fee
3.52%
Minimum income
Not published

Rewards

1 point per ₱200, 5 points per ₱200 at Mercury Drug and health, beauty and wellness merchants, 3 points per ₱200 on foreign-currency spend. 300 bonus points on your first Mercury purchase of ₱300 or more. 1 point = ₱1 cash credit.

Caps: ₱8,000 per month (drugstores)

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
  • Rewards on drugstores capped at ₱8,000 a month

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 ↗