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UnionBank · Visa · Platinum

S&R Visa Platinum

Why pick it: No annual fee for life and 3% back at S&R

S&R co-brand with no annual fee: 3% rebate at S&R, 1% dining and department stores, 0.5% elsewhere, paid as S&R vouchers.

Score
38 /100
Rank
#37 of 123
Annual fee
Free for life
Solid B
GET IT IF…Honest take

Free ang annual fee, pero S&R vouchers lang ang rewards. Bagay sa loyal S&R shoppers.

Bottom line: May S&R membership ka na at madalas mag-shop doon? Kunin mo. Kung hindi, kaunti ang value nito sa labas ng S&R.

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

Sa typical household (~₱825k a year), ~₱5,000 ang makukuha mo, pero ~-₱1,500 ang travel side, negative dahil sa foreign fee (3.52%). Annual fee: ₱0. Sa open list, #37 ito mula sa 123; 38 ang score.

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

  • 3% rebate at S&R membership clubs. Ayon sa UB T&C, hindi nag-e-expire at walang cap ang rebates.
  • 1% sa department stores at restaurants, at 0.5% sa lahat ng iba pa.
  • Free for life ang annual fee, ayon sa UB fee table at galing sa data. May ₱1,500 voucher welcome gift din (new-to-UB lang) kapag nag-spend ng ₱10,000 within 60 days.

What's bad

  • S&R vouchers lang ang rebate: ₱500 minimum, tapos ₱1,000 increments.
  • Required ang S&R membership, at auto-charged sa card ang renewal.
  • Foreign fee: hanggang 3.52% (1% network fee plus up to 2.525% UB service fee), at 0.5% lang ang earn sa ibang spend, labas ng S&R, department stores at restaurants. Per the T&C, wala ang fast food sa 1% restaurant list, pero 1% pa rin ang dining sa data.

The catch: Walang laman ang mismong card page, kaya binasa namin ang T&C ng UB. Hiwalay sa card ang S&R membership fee; hindi sinasabi ng T&C kung magkano. Wala rin sa page ang ₱180,000 a year income requirement; galing ito sa data.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; S&R membership fee amount; card's own product page (node 4651 loads empty). 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 ₱3,500 in rewards (₱5,000) and travel value (−₱1,500), before the card's fees (no annual fee)
To qualify:
₱180,000 a year income; Requires paid S&R membership; renewal fee auto-charged to the card
Bank service:
About typical.
Score breakdown, fees, rewards and perks

Score breakdown

#37 of 123 cards open to new applicants, and #54 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value16 / 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 spend11 / 37

      About ₱5,000 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 waivers16 / 16

      No annual fee. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱1,500 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 flexibility3 / 10

    Rewards are store credit that works at one merchant. 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 ₱5,000 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.

methodmethodmethodmethod50 BOct 2450 BOct 2638 BOct 2738 BNov 238 BNov 438 BNov 938 BNov 1038 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
Free for life
Supplementary fee
₱0
Fee waiver
No annual fee
Foreign transaction fee
3.52%
Minimum income
₱180,000 a year
Also needs
Requires paid S&R membership; renewal fee auto-charged to the card

Rewards

3% at S&R clubs and S&R online, 1% at department stores, boutiques and restaurants, 0.5% elsewhere, no cap; PayDirect 0.25%. Rebates come as S&R vouchers (minimum ₱500, in ₱1,000 steps). Pizza Gift: 1 whole cheese pizza per ₱30,000 outside spend, up to 4 a card year.

Type
Store credit
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Strengths

  • No annual fee for life

Watch out for

  • High FX fee (3.52%): avoid using it abroad
  • Rewards are store credit, usable at one merchant

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 ↗