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UnionBank · Visa · Platinum

Rewards Secured

Why pick it: Deposit-backed card that builds your credit

Secured Rewards Visa Platinum for UB depositors new to credit: limit is 90% of a locked ₱20k-165k deposit; 3x points shopping/dining.

Score
34 /100
Status
Secured
Annual fee
Free for life
Thin data

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

ONLY TO BUILD CREDITHonest take

Secured card para mag-build ng credit history. Naka-lock ang deposit mo, kaya basahin ang catch.

Bottom line: Kung wala ka pang card at gusto mong magsimula ng record, sige. Pay the full balance each month para safe ang deposit mo. Kapag may sapat ka nang history, lipat ka na sa totoong rewards card.

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

Naka-lock ang deposit mong ₱20,000 hanggang ₱165,000 nang 12+ months, at 90% lang nito ang credit limit. Basta nasa loob ng limit ang gastos mo, nakakakuha ang typical household (~₱825k a year) ng ~₱2,500. Walang annual fee kung gagastos ka kahit ₱1 sa loob ng 60 days, per the page.

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

  • The page doesn't ask for income documents.
  • 1 point per ₱30, at 3x sa dining at shopping. Points na hindi nag-e-expire, galing sa data.
  • Para ito sa applicants na wala pang UnionBank credit card.

What's bad

  • Sa UnionBank Online app, relationship manager o branch lang puwedeng mag-apply.
  • Per the page, walang overlimit. On a ₱20,000 deposit, your limit is ₱18,000 and that's the ceiling.
  • The foreign transaction charge is 3.52%, from our data, so it's not great to use abroad.

The catch: The page says '100% Card Approval', pero puwede ka pa ring ma-reject sa credit evaluation. Kapag hindi mo nabayaran nang buo ang balance sa due date, puwedeng i-review at isara ang card, at ide-debit ang deposit mo para sa utang. Kailangan mo ng active UnionBank peso savings account. Age 21 to 70.

Rechecked on the bank page on 2026-10-24. Not on the page: foreign fee; utilities and telco bill rewards 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 ₱500 in rewards (₱2,500) and travel value (−₱2,000), before the card's fees (no annual fee)
To qualify:
Cash hold-out instead; Locked UB savings deposit ₱20,000-165,000 for 12+ months · Must hold an active UnionBank individual peso savings account · Only for applicants with no existing UnionBank credit card · Apply only via UnionBank Online app, relationship manager or branch (secured)
Bank service:
About typical.

First year

Welcome offer:
No Annual Fee Forever when the card is used for any amount (₱1) within 60 days of approval (card page; no end date stated).

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 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 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 waivers16 / 16

      No annual fee. 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 33 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.

methodmethodmethodmethod50Oct 2450Oct 2634Oct 2734Nov 234Nov 434Nov 934Nov 1034Nov 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
Free for life
Supplementary fee
₱0
Fee waiver
No annual fee
Foreign transaction fee
3.52%
Minimum income
Cash hold-out instead
Also needs
Locked UB savings deposit ₱20,000-165,000 for 12+ months · Must hold an active UnionBank individual peso savings account · Only for applicants with no existing UnionBank credit card · Apply only via UnionBank Online app, relationship manager or branch

Rewards

Secured by a locked UnionBank peso savings placement of ₱20,000 to ₱165,000 for at least 12 months; your limit is 90% of the deposit, and no income documents are needed. Earns like Rewards Visa Platinum: 1 point per ₱30, 3x on shopping and dining.

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

  • No annual fee for life
  • 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 (33)

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

Show 28 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 ↗