Reserve Visa Infinite
Infinite
UnionBank · Visa · Infinite
Reserve Visa Infinite
Why pick it: Unlimited Priority Pass, 4 free guest passes
Invite-only metal card: 5x points on dining, shopping and foreign currency, unlimited Priority Pass with guests, ₱20M travel insurance, concierge.
- Score
- 52 /100
- Status
- By invitation
- Annual fee
- ₱12,000
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Nasa A tier ito sa list namin, pero by invitation only kaya hindi ka makakapag-apply.
Bottom line: Kung may hawak kang invite at malaki ang gastos mo sa dining, shopping at travel, sulit ito. Kung wala, ibang premium card na lang ang tingnan mo.
Read the full take: the math, what's good, what hurts
Kapag may offer na dumating, may balik na ~₱12,000 ang typical household (~₱825k a year), at positive ang travel value na ~₱6,000 kasi mababa ang foreign fee (1.00%). Puwesto sa lahat ng cards: #22 sa 170, score 52.
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
- 5x points sa local department stores at boutiques, dining at foreign currency spend; 1 point per ₱30 sa lahat ng iba, at never-expiring ang points.
- Unlimited access sa mahigit 1,800 lounges via Priority Pass, may 4 free guest passes a year, at hanggang ₱20M ang travel insurance kapag naka-charge sa card ang ticket.
- Foreign transactions carry a 1% network fee, with no UB service fee per the fees page.
What's bad
- Fixed cost ang ₱12,000 na annual fee dahil hindi ito puwedeng i-waive.
- Principal cardholders lang ang may Priority Pass membership, at nagbabayad ng lounge visit fee ang extra guests, per the Reserve T&C.
- Nasa ₱178 a month lang ang cap sa utilities at telco bills, from our data.
The catch: Wala sa page ang income requirement at ang utilities cap. Galing sa UB fee table (July 2025) ang ₱12,000 na fee. Hindi namin ito isinama sa open-card ranking kasi hindi ito bukas sa public.
Rechecked on the bank page on 2026-10-28. Not on the page: minimum income; utilities and telco cap. 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 ₱18,000 in rewards (₱12,000) and travel value (₱6,000), before the ₱12,000 annual fee (not waivable)
- To qualify:
- By invitation; By invitation only · Reportedly for UB wealth clients, about ₱5M relationship balance (by invitation)
- Deposit with the bank:
- Needs about ₱5M with UnionBank (reported)
- Bank service:
- About typical.
First year
- Welcome offer:
- Welcome Gift for new-to-UB/Citi principals: ₱12,000 Giftaway eGift 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.
Score breakdown, fees, rewards and perks
Score breakdown
- Yearly value22 / 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 spend25 / 37
About ₱12,000 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
The ₱12,000 fee is not waivable, so all of it counts. How the bars work
- Travel and perks on the default spend7 / 10
About ₱6,000 of travel value on one trip abroad a year, after the 1.00% 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 flexibility9 / 10
7 airline partners, and points that do not expire. How it is scored
- Credit limit and upgrade path5 / 5
Infinite 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 ₱12,000 a year in rewards and ₱6,000 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
- ₱12,000
- Supplementary fee
- ₱0
- Fee waiver
- Not waivable
- Foreign transaction fee
- 1.00%
- Minimum income
- By invitation
- Also needs
- By invitation only · Reportedly for UB wealth clients, about ₱5M relationship balance
Rewards
1 point per ₱30, and 5 points per ₱30 at local department stores and boutiques, restaurants and overseas spend in a non-peso currency. PayDirect earns 1 point per ₱150. Anniversary points worth 0.5% of your last 12 months of retail spend when the annual fee is paid.
Caps: ₱178 per month (utilities, telco bills)
- Type
- Points
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles, Singapore Airlines KrisFlyer, Cathay Asia Miles, airasia rewards, EVA Air Infinity MileageLands, Qatar Privilege Club, Turkish Airlines Miles&Smiles
Travel perks
- International lounge visits
- 99 a year
- Local lounge
- unlimited
- Travel insurance
- Up to ₱20,000,000, covers family
Strengths
- Low FX fee (1.00%)
- Unlimited international lounge visits
- Unlimited local lounge access
- Travel insurance up to ₱20M covering family
Watch out for
- ₱12,000 annual fee; a waiver is not guaranteed
- Rewards on utilities and telco bills capped at ₱178 a month
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
Show 27 more
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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.