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UnionBank · Visa · Platinum

Platinum Visa

Why pick it: 1 point per ₱25, up to 2% foreign fee

Legacy UB Platinum Visa for existing holders: 1 point per ₱25, PAL Mabuhay transfer at 2.457:1, local lounge access.

Score
50 /100
Status
Closed to new
Annual fee
₱3,000
#25 of all 170 scored cardsThin data

Thin data: some figures on this card are less certain than usual. Check with the bank before you apply.

KEEP IT IF YOU HAVE ITHonest take

Lumang Platinum Visa na may low foreign fee. Closed to new applicants, galing sa data namin.

Bottom line: Kung hawak mo na ito, i-keep mo. Kung wala ka pa, ibang card na lang ang tingnan.

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

Hawak mo na ba ito? Ang typical household (~₱825k a year) ay may ~₱7,000 na rewards at ~₱1,500 na travel value, positive dahil mababa ang foreign fee. Nasa ₱3,000 ang fee kada taon. Kung hihilingin mo ang waiver sa renewal, ang bank ang magpapasya.

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

  • Hanggang 2.00% ang foreign fee (1% network fee plus up to 1% UB service fee, per fees page).
  • Unlimited ang entry sa Marhaba NAIA Terminals 1 at 3 at sa PAGSS Premium Lounges, per UB lounge T&C. Bayad ang companions: hanggang 3 sa Marhaba (US$18 each), 1 sa PAGSS.
  • 1 point per ₱25 sa regular spend. Per rewards-program page, nag-e-expire ang Miles+ Platinum points after 5 years, at nakalista roon ang 462267 bilang Miles+ Platinum.

What's bad

  • ₱1M lang ang travel insurance, galing sa data.
  • Per UB Rewards Program T&C, hindi nag-e-earn ng points ang Bill Manager utility enrollments.
  • Flat ang earn: hindi nakalista sa rewards-program page ang bonus categories.
  • ₱600,000 a year ang income requirement, per UB requirements page.

The catch: Manipis ang source namin dito. Walang laman ang product page, at hindi namin makumpirma sa pages ng bank kung closed na ito. Nasa UB fee table (July 2025) pa rin ito. Fee, income at foreign fee lang ang nakumpirma namin sa UB tables, at ang earn rate sa rewards-program page. Mag-confirm ka sa bank bago umasa.

Rechecked on the bank page on 2026-10-28. Not on the page: earn rate; travel insurance; whether new applications are accepted; card status (page does not say open or closed). 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 ₱8,500 in rewards (₱7,000) and travel value (₱1,500), before the ₱3,000 annual fee (on request; the bank decides)
To qualify:
₱600,000 a year income (closed to new)
Bank service:
About typical.
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 spend15 / 37

      About ₱7,000 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

      A ₱3,000 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend3 / 10

      About ₱1,500 of travel value on one trip abroad a year, after the 2.00% 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 flexibility8 / 10

    1 airline partner, and points that do not expire. 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 ₱7,000 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.

methodmethodmethodmethod61 AOct 2458 AOct 2649 AOct 2749 ANov 249 ANov 449 ANov 950 ANov 1050 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
₱3,000
Supplementary fee
₱1,500
Fee waiver
On request; the bank decides
Foreign transaction fee
2.00%
Minimum income
₱600,000 a year

Rewards

1 point per ₱25, for PAL Mabuhay miles, cash credit or Petron e-Fuel loads. Bills payment and Bill Manager enrollments earn no points.

Type
Points
Points expiry
none
Airline partners
PAL Mabuhay Miles

Travel perks

International lounge visits
None
Local lounge
unlimited
Travel insurance
Up to ₱1,000,000, covers family

Strengths

  • Low FX fee (2.00%)
  • Unlimited local lounge access

Watch out for

  • Some details could not be verified

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.

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