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UnionBank · Visa · Classic

Miles+ Classic Visa

Why pick it: ₱1,500 fee, PAL miles transfer per our data

Legacy entry miles card for existing holders: PAL Mabuhay transfer at 2.194 points per mile; points expire after 5 years.

Score
41 /100
Status
Closed to new
Annual fee
₱1,500
#42 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

Murang miles card, pero hindi nakalista sa page ang earn rate. Closed ito sa new applicants, from our data.

Bottom line: Kung hawak mo na ito at gusto mo ng airline miles, keep it muna. Kung maghahanap ka ng bagong card, mag-explore ka ng ibang options.

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

Para sa mga may hawak na nito, ang typical household (~₱825k a year) ay nakakakuha ng ~₱5,500 kapag na-convert ang points sa miles, pero ang travel value ay ~-₱500 dahil sa foreign fee. Annual fee: ₱1,500. Kung hihilingin mo ang waiver, ang bank 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

  • Mababa ang annual fee na ₱1,500, per the UB fee table.
  • Puwedeng i-transfer ang points sa PAL Mabuhay Miles, from our data.
  • Nag-e-expire ang points after 5 years, ayon sa data.

What's bad

  • Hindi nakalista ang earn rate, kaya 1 point per ₱35 ang ginamit naming assumption.
  • Malaki ang foreign fee: hanggang 3.00% (1% network fee plus up to 2% UB service fee, per the fees page).
  • Per the UB Rewards Program T&C, hindi nag-e-earn ng points ang Bill Manager utility enrollments.
  • Hindi nakalista sa page na nabasa namin ang lounge at insurance, at wala rin sa data namin.

The catch: Manipis ang source namin dito. Walang laman ang product page, kaya hindi namin makumpirma sa bank pages kung closed na ito. Wala rin ito sa kasalukuyang Miles+ T&C (Apr 2026). Annual fee at foreign fee lang ang confirmed, from the UB fee table (July 2025) and the fees page. Assumption namin ang earn rate, kaya mag-confirm ka sa bank.

Rechecked on the bank page on 2026-10-24. Not on the page: earn rate (1 point per ₱35 is our assumption); minimum income; lounge access; whether new applications are accepted; card status (page does not say open or closed); lounge and insurance. 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 ₱1,500 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 value16 / 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 spend12 / 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 waivers8 / 16

      A ₱1,500 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 32 live promos tracked. How it is scored

  • Points flexibility7 / 10

    1 airline partner, and points that expire. How it is scored

  • Credit limit and upgrade path2 / 5

    Classic 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.

methodmethodmethodmethod53 BOct 2451 BOct 2641 BOct 2741 BNov 241 BNov 441 BNov 941 ANov 1041 ANov 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
₱1,500
Supplementary fee
₱750
Fee waiver
On request; the bank decides
Foreign transaction fee
3.00%
Minimum income
Not published

Rewards

The earn rate is not published; our data uses 1 point per ₱35, the Classic rate. Points expire after 5 years. Bills payment and Bill Manager enrollments earn no points.

Type
Points
Points expiry
60
Airline partners
PAL Mabuhay Miles

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • High FX fee (3.00%): avoid using it abroad
  • Some details could not be verified

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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