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UnionBank · Visa · Platinum

Miles+ Platinum Visa

Why pick it: 1 point per ₱25 and a low 2% foreign fee

Legacy UB miles card for existing holders: 1 point per ₱25, 1.5x on travel and foreign spend, PAL Mabuhay transfer at 2:1.

Score
58 /100
Status
Closed to new
Annual fee
₱3,000
#14 of all 170 scored cardsThin data

Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.

KEEP IT IF YOU HAVE ITHonest take

Closed sa new applicants ayon sa data, pero may unlimited local lounge at mababa ang foreign fee.

Bottom line: Kung hawak mo na ito at madalas kang lumipad, keep it. Kung bagong miles card ang hanap mo, sa ibang card ka na lang tumingin.

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

Kapag nag-convert ka sa miles, nakakakuha ang typical household (~₱825k a year) ng ~₱9,000 plus ~₱3,000 na travel value, kasi 2.00% lang ang foreign fee. Ang annual fee ay ₱3,000; ang waiver, sa bank mo hihingin at sila ang magpapasya.

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 entry sa Marhaba NAIA Terminals 1 at 3 at sa PAGSS Premium Lounges, per UB lounge terms; may bayad ang companions (US$18 each, hanggang 3 sa Marhaba; 1 sa PAGSS). Travel insurance up to ₱10M, galing sa data.
  • Regular spend: 1 point per ₱25, per UB Rewards Program T&C. May lumang UnionBank info sa data na 1.5 points per ₱25 sa airline, hotel at foreign spend, pero wala ito sa T&C.

What's bad

  • Nag-e-expire ang points after 5 years, per rewards-program page.
  • Hindi nag-e-earn ng points ang Bill Manager utility enrollments, per UB Rewards Program T&C.
  • Wala na siya sa current Miles+ T&C (Apr 2026), na Signature at World lang ang covered.
  • ₱600,000 a year ang income requirement.

The catch: Manipis ang source namin dito. Nakalista pa rin ang card sa UB requirements card comparison, pero hindi sinasabi ng mga page ng bank kung closed na siya. Galing sa UB requirements table ang fee, income at foreign fee; ang insurance naman ay mula sa data. Mag-confirm ka sa bank tungkol sa status.

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); 1.5 points rate on airline, hotel and foreign spend. 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 ₱12,000 in rewards (₱9,000) and travel value (₱3,000), before the ₱3,000 annual fee (on request; the bank decides)
To qualify:
₱600,000 a year income (closed to new)
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value32 / 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 spend19 / 37

      About ₱9,000 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 ₱3,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend5 / 10

      About ₱3,000 of travel value on one trip abroad a year, after the 2.00% foreign fee. It includes lounge visits (each person in a household of three who gets in counts) and travel insurance, though insurance counts only a little toward this figure and the score. 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

    3 airline partners, and points that expire. 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 ₱9,000 a year in rewards and ₱3,000 in travel value.

Score over time

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

methodmethodmethodmethod66 SOct 2462 AOct 2657 SOct 2757 SNov 257 SNov 457 SNov 958 SNov 1058 SNov 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
₱3,000
Supplementary fee
₱1,500
Fee waiver
On request; the bank decides
Foreign transaction fee
2.00%
Minimum income
₱600,000 a year

Rewards

1 point per ₱25, and 1.5 points per ₱25 on airlines, hotels and foreign-currency spend (per older UnionBank info). 2 points = 1 PAL Mabuhay mile. Points expire after 5 years. Bills payment and Bill Manager enrollments earn no points.

Type
Points
Points expiry
60
Airline partners
PAL Mabuhay Miles, Cathay Asia Miles, Turkish Airlines Miles&Smiles

Travel perks

International lounge visits
None
Local lounge
unlimited
Travel insurance
Up to ₱10,000,000

Strengths

  • Low FX fee (2.00%)
  • Unlimited local lounge access
  • Travel insurance up to ₱10M

Watch out for

  • 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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