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UnionBank · Visa or Mastercard · Signature

Miles+

Why pick it: Never-expiring 1 mile per ₱30, 2 lounge visits

Miles card: 1 never-expiring UB mile per ₱30, transferable to KrisFlyer/Asia Miles/PAL; 2 DragonPass lounge visits, ₱1M travel insurance.

Score
56 /100
Rank
#12 of 123
Annual fee
₱5,000
Borderline S/A
GET IT IF…Honest take

Totoong miles card ito, pero malaki ang foreign fee. Huwag umasang makakatipid ka abroad.

Bottom line: Sulit ito kung gusto mo ng simple miles card na ililipat mo sa airline. Kung cash ang gusto mo o mostly local ang spend, humanap ka ng ibang card.

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

Kung kino-convert mo sa airline miles, ~₱11,000 ang bumabalik sa typical household (~₱825k a year), plus ~₱500 na travel value pagkatapos ng foreign fee. ₱5,000 a year ang bayad. Puwede kang humiling ng waiver, pero sa bank ang desisyon. Puwesto nito: #12 sa 123; 56 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

  • Flat 1 UB mile per ₱30, kaya hindi mo kailangang mag-track ng categories.
  • UB miles never expire, at pwedeng i-convert sa airline miles o cash credits, per the page.
  • 2 free DragonPass lounge visits per membership year; may VIP lounge access din sa select lounges.

What's bad

  • Hanggang 3.52% ang foreign transaction fee (1% network fee plus hanggang 2.525% UnionBank service fee), per the fees page.
  • Hindi mura ang ₱5,000 na annual fee.
  • ₱1M lang ang travel insurance, at kailangan mong i-charge ang ticket sa card. May cap din ang utilities at telco bills, galing sa data.

The catch: Hindi nakalista sa card page ang annual fee at income requirement. Galing sa UB fee table (dated July 2025) ang ₱5,000 na fee, at galing sa data ang estimated ₱360,000 a year na income, kaya hindi pa ito confirmed. Kung cash credit ang kukunin mo, mababa ang conversion rate, galing sa data. Visa Signature ang na-score.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; caps on utilities and telco bills; airline transfer ratios; foreign fee on the card page itself. 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 ₱11,500 in rewards (₱11,000) and travel value (₱500), before the ₱5,000 annual fee (on request; the bank decides)
To qualify:
₱360,000 a year income
Bank service:
About typical.

First year

Welcome offer:
Welcome Gift for new-to-UB/Citi principals: 30,000 UB miles on ₱40,000 spend within 60 days of approval (approval by Dec 31, 2026; 24-month holding). (ends Dec 31, 2026)

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.

Who can apply

Age:
21 to 70.

Bank details as of Nov 4, 2026. Where a card's own page is silent, the rule is from the bank's general requirements page; 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

#12 of 123 cards open to new applicants, and #16 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value26 / 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 spend23 / 37

      About ₱11,000 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 ₱5,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend3 / 10

      About ₱500 of travel value on one trip abroad a year, after the 3.52% 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 flexibility9 / 10

    6 airline partners, and points that do not expire. How it is scored

  • Credit limit and upgrade path4 / 5

    Signature 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 ₱11,000 a year in rewards and ₱500 in travel value.

Score over time

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

methodmethodmethodmethod65 SOct 2465 SOct 2656 SOct 2756 SNov 256 SNov 456 SNov 957 SNov 1056 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
₱5,000
Supplementary fee
₱2,500
Fee waiver
On request; the bank decides
Foreign transaction fee
3.52%
Minimum income
₱360,000 a year

Rewards

1 UB mile per ₱30 on all retail, including PayBill bills, gas and groceries. PayDirect earns 1 mile per ₱150. Converts to KrisFlyer, Asia Miles or PAL Mabuhay Miles, or to cash credit.

Caps: ₱333 per month (utilities, telco bills)

Type
Miles
Points expiry
none
Airline partners
PAL Mabuhay Miles, Singapore Airlines KrisFlyer, Cathay Asia Miles, Turkish Airlines Miles&Smiles, airasia rewards, Qatar Privilege Club

Travel perks

International lounge visits
2 a year
Local lounge
None
Travel insurance
Up to ₱1,000,000, covers family

Strengths

  • 2 free international lounge visits a year
  • Points don't expire; 6 airline partners

Watch out for

  • High FX fee (3.52%): avoid using it abroad
  • ₱5,000 annual fee; a waiver is not guaranteed
  • Rewards on utilities and telco bills capped at ₱333 a month

Live and upcoming promos (38)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 33 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 ↗