UnionBank Cash Back Titanium Mastercard

MastercardTitaniumCashbackAccepting applications

A cashback-focused card for everyday spending that offers up to 6% rebates on supermarket purchases and up to 2% on utility bills, with easy redemption through an online account.

Annual fee: ₱4,500
Min. income: Not listed
Live deals: 52

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Why this card

Highlights

Up to 6% cash back on supermarket purchases
Up to 2% cash back on Meralco bill payments
0.20% cash back on all other purchases
Save up to PHP15,000 per year
Never-expiring cash back rewards
Virtual card activation upon approval

Perks

What you get

Virtual card activation immediately upon approval
UnionBank Online account access anytime, anywhere
PayBill feature for auto-charging utility bills

Rewards

How rewards work

1Up to 6% rebates on supermarket purchases
2Up to 2% cash back on Meralco bill payments through UnionBank Online
30.20% cash back on all other purchases
4Save as much as PHP15,000 per year with minimum PHP10,000 monthly spend on non-Meralco and non-supermarket purchases
5Cash back never expires and can be redeemed anytime

Up to 6% cash back on supermarket purchases, up to 2% on Meralco bills, 0.20% on all other purchases

Who can apply

Age 21 and up
Resident of the Philippines with valid Philippine billing address
Must have a postpaid mobile phone line
Must have Tax Payer's Identification Number (TIN) and SSS/GSIS/UMID Number
Credit card accounts with other banks (if any) must be current and in good standing

What you'll need

Government-issued photo ID with identification number or date of birth
Proof of income: Pay slip, BIR Form 2316, Certificate of Employment, or latest ITR (1700 or 1701) with BIR or bank stamp
For foreign nationals: valid passport or ACR plus proof of local residency (ICR, ACR-I-Card valid for 1+ year, Visa and Work Permit/AEP valid for 1+ year, SRIV, or SRRV)

Read from UnionBank's official pages on Oct 6, 2026. Banks change their terms, so confirm on the official page before you apply.

UnionBank Cash Back Titanium Mastercard

52 deals for this card

Get a chance to win tickets to Byeon Wooseok's fanmeet with your UnionBank Credit Card!

Get FREE 1-pc Chickenjoy w/ Rice at Jollibee!

Get up to 15% OFF at Lacoste with your UnionBank Credit Card!

Enjoy 25% OFF at Lung Hin!

Enjoy 25% OFF at Cucina!

Enjoy 25% OFF at Connect Lounge!

Enjoy 25% OFF at Café Pronto!

Earn up to P1,000 cashback when you purchase on Shopee with your UnionBank Credit Card!

Earn up to P3,000 cashback at SM Store with your UnionBank Credit Card!

Enjoy up to USD 100 OFF on tours and cruises at Rajah Travel with your UnionBank Credit Card.

Enjoy a feast of flavors at 50% OFF when you dine at Spectrum with your UnionBank Credit Card!

Unlock refined French dining with 20% OFF at Mireio, valid with your UnionBank Credit Card!

Get FREE sweets from Red Ribbon with your UnionBank Credit Card!

Valid at 0% installment for 3 months with your UnionBank Credit Card.

30% OFF at Ginza

Enjoy up to 20% OFF at Mövenpick Resort & Spa Boracay with your UnionBank Credit Card!

UnionBank x Okada

Enjoy 20% OFF on Agoda with your UnionBank Mastercard Credit Card!

Enjoy cash back rewards at Shilla Duty Free stores in South Korea with your UnionBank Mastercard Credit Card!

Earn cashback at Central Department Store with UnionBank Mastercard.

Get cashback at Paragon Department Store with UnionBank Mastercard.

Enjoy cashback at Shilla Duty Free Hong Kong Airport Store with UnionBank Mastercard.

Get cashback at LAOX with UnionBank Mastercard.

Earn cashback at Daimaru Fukuoka Tenjin Department Stores with UnionBank Mastercard.

Highlights

What you get

How rewards work