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UnionBank · Mastercard · Platinum

Platinum MC

Why pick it: Flat 1% cashback and a low 2% foreign fee

Legacy Platinum Mastercard: flat 1% cashback on retail spend, redeemable in ₱1,000 steps; NAIA lounge access.

Score
42 /100
Status
Closed to new
Annual fee
₱3,000
#40 of all 170 scored cards
KEEP IT IF YOU HAVE ITHonest take

1% cashback at mababang foreign fee, pero closed na sa bagong applicants, from our data.

Bottom line: Kung hawak mo na, i-keep mo ang flat 1% cashback at unlimited local lounge entry. Kung wala ka pa, hindi na ito open sa bagong applicants ayon sa data.

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

Kung hawak mo na ito, may rewards na ~₱5,500 ang typical household (~₱825k a year) at travel value na ~₱1,000, na positive naman. ₱3,000 ang fee; kung hihingi ka ng waiver, sa bank ang final na desisyon, ayon sa data. Posisyon sa lahat ng cards: #40 sa 170; score 42.

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

  • 1% cashback sa qualified spend, per the rewards-program page.
  • Mababa ang foreign fee (2.00%): 1% network fee plus hanggang 1% UnionBank service fee para sa Platinum cards.
  • Unlimited local lounge entry sa Marhaba NAIA Terminals 1 at 3 at sa PAGSS Premium Lounges, per UB's lounge terms; may bayad ang companions.

What's bad

  • ₱1,000 ang minimum cashback para mag-redeem, in increments of ₱1,000.
  • Hindi nag-e-earn ng cashback ang wholesale warehouse clubs, gaming at recurring bills na naka-enroll sa Bills Manager, per the rewards-program page at T&C.
  • Nasa ₱1M ang travel insurance, from our data.
  • ₱600,000 a year ang minimum gross income, per UB requirements page.

The catch: Hindi sinasabi ng product page kung open o sarado ang card, at hindi namin ito makumpirma. Nakalista pa rin ito sa UB fee table (July 2025). Galing sa fees page ang fee at foreign fee, sa requirements page ang income, at sa rewards-program page (Cashback Gold and Platinum Mastercard) ang 1% cashback at exclusions. Mag-confirm ka sa bank.

Rechecked on the bank page on 2026-10-28. Not on the page: travel insurance; whether new applications are accepted; card status (page does not say open or closed). 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 ₱6,500 in rewards (₱5,500) and travel value (₱1,000), 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 value17 / 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 waivers0 / 16

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

    • Travel and perks on the default spend3 / 10

      About ₱1,000 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 31 live promos tracked. How it is scored

  • Points flexibility6 / 10

    Cashback is simple to use but cannot move to an airline. 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 ₱5,500 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.

methodmethodmethodmethod53 BOct 2452 BOct 2642 AOct 2742 ANov 242 ANov 442 ANov 942 ANov 1042 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
₱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% cash back, redeemed in ₱1,000 steps. Wholesale clubs, Bills Manager recurring bills and business purchases earn nothing.

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
unlimited
Travel insurance
Up to ₱1,000,000, covers family

Strengths

  • Low FX fee (2.00%)
  • Unlimited local lounge access

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 ↗