PlayEveryday Visa
UnionBank · Visa
PlayEveryday Visa
Why pick it: 1 Play Point per ₱10, savings account included
Gamified rewards card: 1 Play Point per ₱10, rank-up bonus points, redeemable for e-vouchers, cashback or annual fee waivers.
- Score
- 31 /100
- Rank
- #51 of 123
- Annual fee
- ₱1,500
Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.
Play Points ang rewards, pero hindi sinasabi ng page ang halaga ng point.
Bottom line: Gusto mo ng card na may Play Points at savings account na walang maintaining balance? Okay ito. Kung cash value ang habol mo, hindi sinasabi ng page ang halaga ng point.
Read the full take: the math, what's good, what hurts
Sa typical household (~₱825k a year), nasa ~₱3,000 ang balik. Net sa travel: ~-₱1,500, negative dahil sa foreign fee. Annual fee: ₱1,500; pwede kang mag-request ng waiver, bahala ang bank. 31 ang score nito at #51 sa 123.
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 Play Point per ₱10 of Visa spend, redeemable sa UnionBank Online.
- ₱1,500 ang annual fee (₱750 sa supplementary), per UB fee table (July 2025).
- Kasama ang savings account, no maintaining balance, per the overview page.
What's bad
- Mababa ang return, from our data.
- Mabigat ang foreign fee: 1% network fee plus up to 2.525% UB service fee (fees page).
- Wala sa page ang lounge at insurance, at wala rin ito from our data.
The catch: Mag-confirm ka sa bank bago mag-apply, kasi hindi sinasabi ng page ang halaga ng point. Wala ring annual fee at income requirement sa overview o credit page; photo ID at proof of income lang ang hinihingi. Galing sa UB fee table (July 2025) ang fee, at sa UB requirements page ang ₱360,000 a year na income.
Rechecked on the bank page on 2026-10-24. Not on the page: point value; annual fee on the card page itself; minimum income on the card page; 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 ₱1,500 in rewards (₱3,000) and travel value (−₱1,500), before the ₱1,500 annual fee (on request; the bank decides)
- To qualify:
- ₱360,000 a year income
- Bank service:
- About typical.
First year
- Welcome offer:
- Via Moneymax (new-to-UB applicants holding another bank's card): choose a gift up to ₱3,990, e.g. ₱3,000 Giftaway eGift; no spend requirement stated. (ends Jan 31, 2027)
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.
Score breakdown, fees, rewards and perks
Score breakdown
#51 of 123 cards open to new applicants, and #72 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value8 / 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 spend7 / 37
About ₱3,000 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 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 −₱1,500 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 flexibility4 / 10
Bank points with no airline partner 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
No standard card level. The score also reflects 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 ₱3,000 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.
- 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
- ₱360,000 a year
Rewards
1 Play Point per ₱10 of Visa spend, for e-vouchers at 200+ merchants, cashback or an annual fee waiver. Bonus points for app enrollment (500), referrals (300 each) and rank bonuses.
- Type
- Points
- Points expiry
- none
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.
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- UnionBankEnds Dec 31, 2026All UnionBank credit cards
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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.