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UnionBank · Mastercard · Platinum

Platinum MC

Why pick it: 3 points per ₱30 on dining and foreign spend

Citi-heritage Platinum Mastercard for existing holders: 1 point per ₱30, 3x on dining, department stores and foreign currency.

Score
26 /100
Status
Closed to new
Annual fee
₱5,000
#91 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

₱5,000 na fee para sa 1 point per ₱30. Closed sa bagong applicants, from our data.

Bottom line: Existing holder ka ba? Tingnan kung abot mo ang ₱500,000 retail spend para sa renewal bonus. Kung bagong card ang hanap mo, sa iba ka na lang tumingin.

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

Para sa cardholders lang: ~₱2,500 ang rewards ng typical household (~₱825k a year), at ~-₱1,500 naman sa travel side, negatibo dahil sa foreign fee. Kung hihingi ka ng waiver ng annual fee sa bank, sila 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

  • 3 points per ₱30 sa department stores, boutiques at restaurants, at sa overseas purchases na hindi peso ang currency.
  • 5,000 bonus points on renewal if you reach ₱500,000 in retail spend for the membership year and pay the annual fee.
  • Walang expiry ang points, from our data.

What's bad

  • ₱5,000 a year is a lot for this earn, and the supplementary card costs ₱2,500, per the UB fee table (July 2025).
  • Hanggang 3.52% ang foreign charge (1% network fee plus up to 2.525% UB service fee), per the fees page.
  • Utilities and telco bills have a small cap of ₱67 a month, from our data.

The catch: Kaunti ang source namin dito. Earn rates lang ang kinukumpirma ng T&C (Apr 2026); sa UB fee table (July 2025) galing ang ₱5,000, at hindi nakalagay sa T&C ang income. Hindi namin makumpirma sa mga page ng bank kung closed na ito. Iisang T&C ang gamit ng Visa at Mastercard na Platinum, pero Mastercard ang na-score dito, from our data. Itanong sa bank ang fee at kung tumatanggap pa ng bagong applicants.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee in the T&C itself; minimum income; utilities and telco cap of ₱67 a month; 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 ₱1,000 in rewards (₱2,500) and travel value (−₱1,500), before the ₱5,000 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 value0 / 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 spend6 / 37

      About ₱2,500 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 ₱5,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,500 of travel value on one trip abroad a year, after the 3.52% foreign fee. It includes 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 flexibility7 / 10

    1 airline partner, and points that do not expire. It counts for less here because the card earns little back on this spend. 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 ₱2,500 a year in rewards and −₱1,500 in travel value.

Score over time

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

methodmethodmethodmethod43 COct 2443 COct 2626 BOct 2726 CNov 226 BNov 426 BNov 927 BNov 1026 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
₱5,000
Supplementary fee
₱2,500
Fee waiver
On request; the bank decides
Foreign transaction fee
3.52%
Minimum income
Not published

Rewards

1 point per ₱30, and 3x at department stores, boutiques, restaurants and on foreign-currency purchases. PayDirect earns 1 point per ₱150.

Caps: ₱67 per month (utilities, telco bills)

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles

Travel perks

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

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 ₱67 a month
  • Some details could not be verified

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 ↗