Credit Card Union Bank: Application, Benefits, Requirements, Reviews

Credit Card Union Bank: Application, Benefits, Requirements, Reviews

What is Union Bank?

Union Bank is a top-tier bank that provides its customers with a wide range of financial products and services. Its branches are located all over the country, particularly in Metro Manila, where it has more than 20 branches.

Union Bank offers personal banking services to individuals, small and medium enterprises (SMEs), large corporations, government agencies and financial institutions. Union Bank also provides commercial banking services to corporate clients such as SMEs, large companies and government agencies.

Union Bank Credit Cards, how does it work?

Union Bank Credit Cards are available to all Union Bank account holders in the Philippines. Union Bank Credit Card is a convenient and secure way to pay for your everyday purchases. It can be used in over 400,000 locations across the Philippines and you can choose a credit card type from Gold to Platinum.

How to apply for a credit card in Union Bank?

To apply, just go to their website and click the credit card of your choice. If you have one, click the credit card and then an “Apply Now” button will appear. Click that button to proceed.


According to Union bank website, the following are the minimum qualification and requirements to apply for their credit card:

  1. You must be 18-70 years old to apply.

  2. Completely filled out application form “here” (link to apply page).

  3. A copy of one (1) valid government ID with photo and signature.

  4. A copy of your source of income (any of the following):

    • Income Tax Return (ITR) or Certificate of Compensation Payment and Tax Withheld or similar documents
    • Certificate of Employment or Employment Contract
    • Latest 3-months payslip
    • BIR Form 2316 or similar document
    • Proof of pension
    • Latest 3 months copy of Bank Statement of Account (SOA) from another bank

Additional requirement for foreign applicants: Alien Certification of Registration (ACR) or its equivalent document

These requirements can still vary depending on the product you are applying for.

Interest rate & fees

All Union bank credit cards has a fixed and monthly interest rate of 2%. The fees however, depends on the type of credit card you prefer.

How can I check the status of my Union Bank credit card application?

You can use the messenger app to check your application status. Just go to and type “application status”. Once done, provide your reference number to check.

How to activate a credit card Union Bank?

Activating your credit card can be done by calling 888-955-4141. You can also go to My Credit Card Portal at

  • Once there, you just have to enter your credit card number and click “Submit”.

  • Then register your account by creating a new username and password.

  • After this you will receive successful authentication so you can login on your account.

  • Click “activation link” and you’re done.

How much time does it take to receive a Union Bank credit card?

Verifying an application can take up to 2 days, while receiving it through delivery can take up to 5 to 10 business days.

Union Bank credit card limit

The credit card limit of Union bank credit card depends on the type of card you chose. Make sure that you have the right card for your needs and contact them in case you want to know your actual credit limit.

How to pay for Union Bank credit card installments?

Union bank offers payment convenience because they have lots of over the counter branches nationwide. Check the nearest branch near you by going to .

Where to pay Union Bank credit card?

You can pay your credit card dues on any Union bank branches or using e-wallet such as Gcash and PayPal.

What happens if I can’t pay?

There’s a late payment fee of PHP 1,000 for any Union bank credit card. The over limit fee, on the other hand, can go up to PHP 500.

Union Bank credit card benefits

One of the benefits for their cardholders is the Union Bank Credit Card Rewards Program. It offers more than just cash back, but also travel rewards and discounts on goods and services. There are also high-end credit card security and protection, as well as worldwide acceptance and installment programs. You can also be a beneficial of Union bank’s car insurance and Auto bills payment.

Discounts and promo

As of now, Union bank is offering consumers a cashback to flexible payment terms. You can also receive vouchers from different merchants such as Cebu Pacific and Power Mac Center. Aside from that, enjoy lots of discounts if you use Union bank credit cards to other travel merchants such as Lihim resorts and Kommons Boracay.

No annual fee

Union bank also offers no annual fee to credit card holders as long as they maintain PHP 10,000 of their ADB.

Union Bank customer service

If you have any concern or feedbacks on any of the products of Union bank, just contact the following information:

Contact number

24-Hour Customer Service at (02) 841-8600 for further assistance


The hotline is just as the same as their contact number.

Email address

For emailing, go to

Union Bank credit card reviews

Union Bank, one of the leading banks in the Philippines, offers a wide range of credit cards for consumers. They provide competitive rates and additional benefits to their cardholders. This is why they still have a lot of clients and customers as of now, and has been gaining positive reviews ever since.

Have you used the Union Bank credit card? Share your experience here.

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This article was updated on 13 june 2022