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UnionBank · Mastercard · World Elite

Reserve World Elite MC

Why pick it: 1% foreign fee and unlimited Priority Pass

Invite-only Mastercard twin of Reserve: 5x points on dining, shopping and foreign currency, unlimited Priority Pass, ₱20M travel insurance.

Score
52 /100
Status
By invitation
Annual fee
₱12,000
#20 of all 170 scored cardsNeeds about ₱5M with UnionBank (reported)Thin data

Thin data: the bank does not publish the income requirement. Check with the bank before you apply.

BY INVITATION ONLYHonest take

By invitation only at hindi bukas sa public.

Bottom line: Kung Mastercard ang inalok sa'yo, piliin ang network na mas tinatanggap kung saan ka bumibiyahe.

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

Kung may dumating na offer, ~₱12,000 ang rewards ng typical household (~₱825k a year), at ang travel side ay ~₱6,000, positive dahil mababa ang foreign fee (1.00%). #20 ang posisyon niya sa 170 cards, 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 shopping sa Philippines, dining at foreign currency spend; 1 point per ₱30 sa iba; per the page, never-expiring ang points.
  • Unlimited Priority Pass access sa mahigit 1,800 lounges, 4 free guest passes a year, at travel insurance na hanggang ₱20M kapag naka-charge ang ticket sa card.
  • Only the 1% network fee applies on foreign charges; UB adds no service fee, per the fees page.

What's bad

  • Hindi mawi-waive ang ₱12,000 na fee, kaya babayaran mo ito kada taon.
  • Principal cardholders lang ang may Priority Pass; nagbabayad ang extra guests ng lounge visit fee, per the Reserve T&C.
  • Nasa ₱178 a month lang ang cap sa utilities at telco bills, from our data, hindi sa page.

The catch: Hindi binabanggit ng 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

    World Elite 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.

methodmethodmethodmethod64 AOct 2464 AOct 2652 AOct 2752 ANov 252 ANov 452 ANov 952 ANov 1052 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
₱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 5x on local shopping, dining and foreign-currency spend. World Elite prepays 4 hotel nights and gets a statement credit for the 4th within two billing cycles.

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.

Show 27 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 ↗