UnionBank Reserve World Elite Mastercard

MastercardWorld ElitePointsBy invitation

A premium invitation-only credit card for high-income earners seeking unparalleled global experiences, offering 5x points on dining and shopping, Priority Pass lounge access, and concierge services.

Annual fee: ₱12,000
Min. income: Not listed
Live deals: 53

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Why this card

Highlights

Earn 1 point per PHP30 spend, 5x points on dining, shopping, and foreign currency
Never-expiring points redeemable for cash, merchandise, and gadgets
Complimentary 4th night hotel stay up to 2x yearly via Lifestyle Concierge
Unlimited Priority Pass access to 1,800+ airport lounges worldwide
Up to PHP20 million travel accident insurance coverage
Complimentary 30-day purchase protection

Perks

What you get

Lounges

Unlimited access to over 1,800 airport lounge partners worldwide through Priority Pass

Travel

Complimentary one-way luxury airport transfers and meet and assist service up to 2x per year
Complimentary 4th night stay at any hotel booked through Lifestyle Concierge up to 2x per year
Up to PHP20 million travel accident insurance coverage when travel tickets charged to card
Travel inconvenience protection including missed flight, delayed/cancelled flight, and delayed/lost luggage coverage

Insurance

Complimentary 30-day purchase protection against accidental loss

Lifestyle

Access to dedicated 24/7 Global Concierge Service with in-country experts

Rewards

How rewards work

1Points never expire
2Redeemable for cash credits, merchandise, gadgets, and more through UnionBank Online

Rewards

1 point per PHP30 spend; 5x points on dining, shopping, and foreign currency spend

Who can apply

Age 21 and up
By invitation only
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
Other bank credit card accounts must be current and in good credit standing

What you'll need

One photo-bearing government-issued ID with identification number or date of birth
Proof of income (Pay Slip, BIR Form 2316, Original Certificate of Employment, Latest ITR with BIR or Bank Stamp)
For foreign nationals: Valid passport or ACR, and proof of local residency (ICR, ACR-I-Card valid for more than 1 year, Visa and Work Permit/AEP valid for more than 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 Reserve World Elite Mastercard

53 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

Unlock exclusive privileges at Amanpulo!

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.

Highlights

What you get

How rewards work