Earn points every day and turn purchases into real advantages.

The UnionBank Rewards Visa Platinum credit card was created for those who want to earn points on daily purchases without complicating their routine.

With a modern approach, it combines rewards, easy usage, and a digital experience that makes tracking expenses much simpler.

In addition, the Visa brand improves acceptance across different purchases, giving you more freedom to use the card whenever needed.

Now it is your turn to explore all the details of the UnionBank Rewards Visa Platinum Credit Card and see how it can become your daily solution.

Category	Details
Initial credit limit	Not specified.
Annual fee (Primary cardholder)	₱2,500 (first year free during promotions)
Annual fee (Supplementary card)	₱1,250 (first year free during promotions)
Monthly interest rate	3%
Rewards program	1 point for every ₱30 spent
Bonus points	3× points on shopping and dining purchases

Get to Know the UnionBank Rewards Visa Platinum Credit Card: Rewards for Daily Life, Shopping, and Dining

Get to know the UnionBank Rewards Visa Platinum credit card, designed to turn everyday purchases into points and advantages without complications.

It belongs to UnionBank of the Philippines, a well established banking institution with strong digital and physical presence nationwide.

Its credibility comes from solid operations, a focus on security, and a wide range of services from credit to investments.

Because of this, the card becomes a practical choice for those who want app based expense control and consistent reward accumulation.

Main Benefits of the UnionBank Rewards Visa Platinum Credit Card

The UnionBank Rewards Visa Platinum credit card offers practical benefits for frequent shoppers who want to see real returns in points.

Here you will understand why it stands out, how bonuses work, and which advantages can improve your financial routine.

Points program on every purchase

Every daily purchase automatically adds points, so even small expenses help you build rewards without changing habits.

Using the UnionBank Rewards Visa Platinum credit card for groceries, transport, and subscriptions lets you accumulate steadily and predictably.

This makes it easier to plan simple goals, like redeeming points for statement credits or useful household items later.

With light discipline, you see your balance grow and feel each payment quietly working in your favor.

3x points on shopping and dining

When you shop or dine out, the 3x multiplier speeds up accumulation and delivers faster returns.

This bonus is ideal for those who focus spending on malls and restaurants, turning everyday moments into boosted monthly points.

On trips or international purchases, the same bonus logic may apply, helping you earn even more outside home.

To maximize results, concentrate expenses in these categories and avoid splitting payments across multiple methods.

Extended points validity for longer accumulation

Extended validity reduces pressure to redeem quickly, letting you save calmly for larger and better rewards.

This is great for phased usage, since your balance does not disappear during quieter spending months.

With longer accumulation, you can aim for better redemptions like vouchers, desired products, or meaningful statement credits.

It gives a sense of control, because you choose when to use points instead of racing against deadlines.

Flexible reward redemptions

Flexible redemption means choosing benefits that match your current needs, without being stuck to one option.

In many cases, points can be converted into statement credits, helping reduce the amount due.

Redemptions for items and vouchers are also common, making it easy to turn points into gifts or personal upgrades.

This range of choices adds value, regardless of your spending style or priorities.

Virtual card and 100 percent digital management

The virtual card allows faster online purchases without waiting for the physical card during urgent moments.

Through the app, you track limits, statements, and transactions, reducing surprises and helping keep budgets balanced.

Notifications and controls improve security, since unusual activity is noticed quickly and addressed calmly.

Category based tracking also helps understand habits and optimize rewards without needing complex spreadsheets.

International Visa acceptance

The Visa brand enables card acceptance worldwide, providing confidence for in store and online purchases everywhere.

This is helpful for travelers, international subscriptions, and foreign websites without searching for alternatives each time.

Wide acceptance improves daily convenience, avoiding restrictions from smaller networks or regional limitations.

Combined with rewards, international use becomes a smart way to earn points while handling real needs.

Partner promos and discounts

With the UnionBank Rewards Visa Platinum credit card, you can enjoy partner promos that create extra savings on purchases and dining.

These campaigns change throughout the year, always bringing new opportunities like discounts, installments, or limited gifts.

When you combine promos with points, benefits stack as you pay less now and earn more for later.

Checking offers in the app and planning larger expenses boosts value without extra effort.

Eligibility Requirements to Apply for the UnionBank Rewards Visa Platinum Credit Card

Before applying, it is important to confirm that you meet the bank basic eligibility criteria.

• Minimum age requirement: at least 21 years old at the time of application.
• Verifiable minimum income: stable monthly income aligned with UnionBank standards.
• Valid documentation: official identification and requested proof of income.
• Credit history: subject to credit assessment based on score and financial relationship.

Meeting these requirements improves approval chances and simplifies the process.

Step by Step Guide to Apply for the UnionBank Rewards Visa Platinum Credit Card

Follow these simple steps to submit your application faster and with fewer errors.

• Access the UnionBank website or app and locate the Rewards Visa Platinum page, then tap Apply.
• Fill in personal details carefully, including identity, address, contacts, and employment information.
• Submit required documents by attaching valid ID and income proof as requested.
• Wait for review and approval, track status, and activate the card in the app if approved.

With everything correct, your application flows smoothly and you start earning points sooner.

Applicable Fees of the UnionBank Rewards Visa Platinum Credit Card

With the UnionBank Rewards Visa Platinum credit card, understanding fees helps avoid surprises and use benefits safely.

Even with attractive rewards, interest and charges apply, so knowing amounts and rates supports planning monthly payments.

Annual fee

The annual fee is charged to keep the card active and may be offset by regular spending.

The standard fee is ₱2,500 yearly, while additional cards cost ₱1,250 under current bank conditions.

During promotional periods, the first year may be free if minimum spending is met.

If fees return, active users often negotiate using usage and payment history.

Interest rate

Interest applies when statements are not paid in full and affects the revolving balance.

For this card, the monthly interest rate is around 3 percent, which can add up long term.

Paying the full statement balance remains the best way to avoid unnecessary extra costs.

When installments are unavoidable, plan carefully to prevent convenience becoming long term debt.

Late payment fee

Late payment fees apply when the minimum amount is not paid by the due date.

The penalty is usually ₱1,500 or the minimum amount due, whichever is lower.

Beyond fees, late payments may impact credit history and future financial approvals.

Automatic debit or app reminders help avoid these charges easily.

International usage fee

This fee applies to purchases made abroad or processed in foreign currency.

The rate is approximately 3.525 percent of the international transaction value.

Before traveling or shopping internationally, factor this cost into your planning.

Depending on spending amount, earned points may still offset the added fee.

Cash Advance

Cash Advance allows cash withdrawals using your credit limit and should be reserved for emergencies.

With the UnionBank Rewards Visa Platinum credit card, the fee is ₱200 per transaction plus interest.

Interest starts immediately after withdrawal, increasing costs quickly.

Whenever possible, choose cheaper alternatives to avoid heavy budget impact.

Conclusion

With clear fees in mind, it becomes easier to use UnionBank Rewards Visa Platinum wisely, avoiding interest while maximizing earned points.

If you pay statements on time and focus key expenses, the annual fee weighs less and promos become real bonuses.

For international purchases or cash withdrawals, planning ahead reduces costs since these fees exist and can raise totals quickly.

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