Interest3% a month Retail Monthly Effective Interest Rate
1% Mastercard/Visa assessment fee + 2% UnionBank service fee (as Classic Visa)
Who can apply Age 21 and up Resident of Philippines with valid Philippine billing address Must have postpaid mobile line Must have Tax Payer's Identification Number (TIN) and SSS/GSIS/UMID Number Credit card accounts with other banks must be current and in good standing What you'll need One government-issued photo ID with identification number or date of birth Proof of income (Pay Slip, BIR Form 2316, Certificate of Employment, or ITR with BIR/Bank stamp)Read from UnionBank's official pages on Oct 6, 2026. Banks change their terms, so confirm on the official page before you apply.