Skip to content
SulitCard
Illustration, not the bank's artwork.

UnionBank · Mastercard or Visa · Platinum

Rewards Platinum

Why pick it: 3x points on dining and shopping, here or abroad

Mastercard points card: 1 never-expiring point per ₱30, 3x at restaurants and department stores here and abroad; airline transfers or cash credit.

Score
29 /100
Rank
#56 of 123
Annual fee
₱2,500
Solid B
GET IT IF…Honest take

3x ang earn kapag nag-shop at nag-dine ka, pero pagkatapos ng fee, halos wala nang matitira.

Bottom line: Mahilig kang kumain sa labas at mag-mall? Pwede ito, basta mahingi ang waiver. Kung hindi, 1 point per ₱30 lang ang earn sa ibang spend.

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

Kapag typical household (~₱825k a year) ang gumamit, ~₱2,500 ang naiipon at ~-₱2,000 naman ang travel side, negative dahil sa 3.525% na foreign fee. ₱2,500 ang annual fee; pwede kang mag-request ng waiver, bahala ang bank. 29 ang score nito, kaya #56 sa 123 open cards.

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

  • 3x points kapag nag-shop at nag-dine ka, dito man o abroad.
  • 1 point per ₱30 sa ibang spend.
  • ₱180,000 a year ang income requirement, per UB's own comparison page.

What's bad

  • Halos kapantay ng fee ang rewards, kaya kailangan mong humingi ng waiver para may matira.
  • Kinakain ng foreign fee (3.525%) ang 3x abroad.
  • Hindi nakalista ang lounge at travel insurance sa comparison page, at wala rin ang mga ito from our data.

The catch: May maliit na cap ang utilities at telco rewards, from our data, kaya basahin ang T&C. May promo rin, from our data: free annual fee for life kapag nag-spend ka ng ₱20,000 within 60 days, para sa bago sa UB o Citi. Hindi saklaw ng comparison page ang points expiry; hindi nag-e-expire ang points, from our data. Mastercard version ang na-score.

Rechecked on the bank page on 2026-10-24. Not on the page: points expiry; caps on utilities and telco bills; card's own product page (node 4003 loads empty); lounge and travel insurance; no-annual-fee promo (from our row). 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 ₱500 in rewards (₱2,500) and travel value (−₱2,000), before the ₱2,500 annual fee (on request; the bank decides)
To qualify:
₱180,000 a year income
Redeeming rewards:
Points convert to Mabuhay miles from a minimum of 18,750 points (15 points a mile).
Bank service:
About typical.

First year

Welcome offer:
Welcome Gift for new-to-UB/Citi principals: No Annual Fee for Life on ₱20,000 spend within 60 days of approval (approval by Dec 31, 2026). Alternative via Moneymax: gift up to ₱3,990, apply by Jan 31, 2027. (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

#56 of 123 cards open to new applicants, and #78 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value3 / 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 ₱2,500 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱2,000 of travel value on one trip abroad a year, after the 3.52% 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 flexibility6 / 10

    3 airline partners, 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 −₱2,000 in travel value.

Score over time

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

methodmethodmethodmethod46 BOct 2446 BOct 2628 BOct 2728 BNov 228 BNov 428 BNov 929 BNov 1029 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
₱2,500
Supplementary fee
₱1,250
Fee waiver
On request; the bank decides
Foreign transaction fee
3.52%
Minimum income
₱180,000 a year

Rewards

1 point per ₱30, and 3 points per ₱30 at department stores, boutiques and restaurants (local or overseas). PayDirect earns 1 point per ₱150. Points go to airline miles, PAL or cash credit.

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

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles, Cathay Asia Miles, airasia rewards

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • Points don't expire; 3 airline partners

Watch out for

  • High FX fee (3.52%): avoid using it abroad
  • Rewards on utilities and telco bills capped at ₱67 a month

Live and upcoming promos (39)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 34 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 ↗