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Features

Best Credit Cards 

Find the right credit card for you!

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UnionBank Cash Back Visa Platinum

Annual Fee: P4.5K 

Min. Monthly Income: P15K 

​Enjoy up to 6% rebate on groceries, up to 2% on Meralco bills paid via PayBills or UB Online, and 0.20% on all other spends-save up to PHP 15,000 a year.

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UnionBank Shell Power Card

Annual Fee: P2.8K 

Min. Monthly Income: P15K 

​​Unlock No Annual Fee for Life as your Welcome Gift when you spend PHP 20,000 within 60 days of approval. Enjoy up to 5% rebate on Shell fuel, tollway load, and auto maintenance - giving you more savings on every drive.

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UnionBank Mercury Drug Visa

Annual Fee: P2.5K

Min. Monthly Income: P15K 

Earn 5X points on Mercury Drug and on health, wellness, and beauty spends-so every essential purchase rewards you more.

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UnionBank Miles+ Visa Signature

Annual Fee: P5K

Min. Monthly Income: P30K 

​​​Earn 1 never-expiring UB Mile for every PHP 30 spend and redeem for cash credits, gadgets, airline miles, and more. Enjoy 2 lounge passes yearly via DragonPass, Travel Inconvenience Cover, travel insurance up to PHP 1M, and purchase protection up to PHP 250K.

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UnionBank Rewards Visa Platinum

Annual Fee: P2.5K

Min. Monthly Income: P15K 

  • Earn 1 never-expiring point for every PHP 30 spend, plus 3x points when you shop and dine locally or abroad. Redeem for cash credits, merchandise, gadgets, airline miles, and more via our Rewards Portal.

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UnionBank U Visa Platinum

Annual Fee: FREE

Min. Monthly Income: None

​​​Enjoy no annual fee every year-no calls, no requests. Pay at least the minimum due on or before the due date and get 10% back on interest charges, plus no late payment and no over-limit fees.

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Salmon Virtual Card

Annual Fee: FREE

Min. Monthly Income: None

  • 0% interest for up to 2 months

  • Instant approval

  • Up to PHP 100K limit

  • Created instantly

  • Can be frozen/unfrozen anytime -- super secure

  • PHP0 Fees -- ever

  • Biometric Login & Facial ID verification

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RCBC Flex Visa

Annual Fee: P1.5K

Min. Monthly Income: None

For millennials chasing goals. Earn 2x Rewards Points on 2 chosen categories (Dining, Clothing, Travel, Transport) with flexible redemption. 

Membership fee: PHP 1,500 (Principal), PHP 750 (Supplementary).

 

*PHP 30K spend requirement.

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RCBC Flex Gold Visa

Annual Fee: P3K

Min. Monthly Income: None

Rewarding card for young professionals. Earn 2x Rewards Points on 3 categories (Grocery, Gas, Department Store, Appliances, Travel) with flexible redemption. Membership fee: PHP 3,000 (Principal), PHP 1,500 (Supplementary).

 

*PHP 50K spend requirement.

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RCBC Classic Mastercard

Annual Fee: P1.5K

Min. Monthly Income: None

Young professionals' go-to. Earn flexible, non-expiring Rewards Points on all purchases and convert them to installments. 

Membership fee: PHP 1,500 (Principal), PHP 750 (Supplementary).

 

*PHP 30K spend requirement.

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RCBC Gold Mastercard

Annual Fee: P3K

Min. Monthly Income: None

Move up the ladder of success. Earn flexible, non-expiring Rewards Points and enjoy convenient, rewarding bill payments. 

Membership fee: PHP 3,000 (Principal), PHP 1,500 (Supplementary).

 

*PHP 50K spend requirement.

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RCBC JCB

Annual Fee: P1.5K

Min. Monthly Income: P15K

For young professionals. Flexible, non-expiring Rewards Points on all purchases, with installment conversion. 

Membership fee: PHP 1,500 (Principal), PHP 750 (Supplementary). Annual Income: PHP 180K.

 

*PHP 30K spend requirement.

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RCBC Gold JCB

Annual Fee: P3K

Min. Monthly Income: P42K

Success-focused card. Earn flexible, non-expiring Rewards Points, track your budget, and pay bills conveniently. 

Membership fee: PHP 3,000 (Principal), PHP 1,500 (Supplementary). Annual Income: PHP 500K.

 

*PHP 50K spend requirement.

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RCBC Visa Platinum

Annual Fee: P5K

Min. Monthly Income: None

Enjoy the preferred lifestyle. Earn free flights faster with AIRMILES, access world-class airport lounges, and get up to PHP 5M travel insurance. 

Membership fee: PHP 5,000 (Principal), PHP 2,500 (Supplementary).

 

*PHP 100K spend requirement.

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RCBC Black Platinum Mastercard

Annual Fee: P3.6K

Min. Monthly Income: None

For career-focused individuals. Flexible, non-expiring Rewards Points, free travel insurance up to PHP 1M, and purchase protection. Available in Peso & Dollar. Membership fee: PHP 3,600 (Principal), waivers for supplements.

 

*PHP 60-120K spend requirement.

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RCBC JCB Platinum

Annual Fee: P3.6K

Min. Monthly Income: None

Prestige made easy. Earn extra Rewards in Japan, enjoy 50+ airport lounges, and 24/7 concierge support. Membership fee: PHP 3,600 (Principal), waivers for supplements.

 

*PHP 100K spend requirement.

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RCBC Visa Infinite

Annual Fee: None

Min. Monthly Income: None

Shop, travel, and earn more. Get up to 5x Rewards Points on online and overseas spends, complimentary Priority Pass with unlimited local lounge access, plus a 100K Rewards Points welcome gift.

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RCBC World Mastercard

Annual Fee: None

Min. Monthly Income: None

A premium card for distinguished clients. Earn Rewards Points for as low as PHP 10 spend, redeem instantly with Pay with Rewards, and enjoy complimentary Priority Pass lounge access.

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RCBC Unionpay Diamond

Annual Fee: None

Min. Monthly Income: None

Perfect for frequent China travelers. Earn double rewards on hotel and restaurant spends in select China locations, with free international travel insurance and purchase protection.

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RCBC Airmiles Visa Signature

Annual Fee: None

Min. Monthly Income: None

The card that counts for all things travel. Get up to 15,000 Signature Miles and enjoy low FX Conversion Fee of only 1.50%.

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EastWest Gold Mastercard

Annual Fee: P2.5K (FREE on the 1st year)*

Min. Monthly Income: None

Earn 1 Rewards Point for every PHP 100 spend on your EastWest Gold Credit Card.

 

*Annual Fees:

Principal Card: PHP 2,500 (FREE on the 1st year)

Supplementary Card: PHP 1,250

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EastWest Gold Visa

Annual Fee: P2.5K (FREE on the 1st year)*

Min. Monthly Income: None

Earn 1 Rewards Point for every PHP 100 spend on your EastWest Gold Credit Card.

 

*Annual Fees:

Principal Card: PHP 2,500 (FREE on the 1st year)

Supplementary Card: PHP 1,250

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JCB Gold

Annual Fee: P2.5K (FREE on the 1st year)*

Min. Monthly Income: None

Get FREE access to airport lounges in Japan and Hawaii with EastWest JCB Gold. Plus, enjoy a LOW Forex Fee of only 2% on international purchases.

 

*Annual Fees:

Principal Card: PHP 2,500 (FREE on the 1st year)

Supplementary Card:  PHP 1,250 (FREE for life on the 1st supplementary)

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JCB Platinum

Annual Fee: P3.5K (FREE on the 1st year)*

Min. Monthly Income: None

Get FREE access to airport lounges in major cities around the world with EastWest JCB Platinum. Plus, enjoy a LOW Forex Fee of only 2% on international purchases.

 

*Annual Fees:

Principal Card: PHP 3,500 (FREE on the 1st year)

Supplementary Card: PHP 1,750 (FREE for life on the 1st supplementary)

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Dolce Vita Titanium Mastercard

Annual Fee: P2K (FREE on the 1st year)*

Min. Monthly Income: None

Live the sweet life and earn 1 Charm for every PHP 100 spend using your EastWest Dolce Vita Titanium Mastercard.

 

*Annual Fees:

Principal Card: PHP 2,000 (FREE on the 1st year)

Supplementary Card: PHP 1,000

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EveryDay Titanium Mastercard

Annual Fee: P2.8K (FREE on the 1st year)*

Min. Monthly Income: None

Get up to 5% Cash Rebate on your Supermarket, Fuel, and Drugstore purchases with the EastWest Everyday Titanium Mastercard.

 

*Annual Fees:

Principal Card: PHP 2,800 (FREE on the 1st year)

Supplementary Card: PHP 1,400

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Visa Platinum

Annual Fee: P3.6K (Waived on accumulated spend)**

Min. Monthly Income: None

Enjoy 8.88% Cashback on Fuel, Utilities, Shopping, Dining & Travel-Related spends with EastWest Visa Platinum.

 

*Capped at PHP 1,250 monthly

 

**Annual Fees:

Principal Card: PHP 3,600 (Automatically waived upon reaching PHP 1.5 Mn accumulated spend for the PHP 12M from Card Anniversary Date)

Supplementary Card: PHP 1,800

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Platinum Mastercard

Annual Fee: FREE*

Min. Monthly Income: None

Pay ZERO Annual Fees Forever with EastWest Platinum Mastercard.

 

*Annual Fees:

Principal Card: Waived Perpetually

Supplementary Card: Waived Perpetually

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SQ Krisflyer Platinum Mastercard

Annual Fee: P4K**

Min. Monthly Income: None

Make your spends more rewarding with the EastWest Singapore Airlines KrisFlyer Platinum Mastercard. Earn 1 KrisFlyer Mile for every PHP 15 Travel Spend.*

 

*Terms & Conditions Apply

 

**Annual Fees:

Principal Card - PHP 4,000

Supplementary Card - PHP 2,000 (FREE for life for the 1st supplementary)

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Rewards Mastercard

Annual Fee: FREE*

Min. Monthly Income: P15K

Get 3x reward points for every dining and shopping purchase. Plus, earn a point for every PHP 30 spend and enjoy promotions and deals with partner merchants!

 

*20,000 PHP spend requirement from 60 days of approval.

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U Platinum Mastercard

Annual Fee: FREE

Min. Monthly Income: None

NO Annual fees for life

10% Interest cashback

NO Overlimit fees

NO Late fees

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Lazada Mastercard

Annual Fee: Waived First Year*

Min. Monthly Income: P15K

  • Shop more and earn more! Make that 6X more! Earn 6 Lazada Credits for every PHP 200 spent when you shop at Lazada using your UnionBank Lazada Credit Card. Enjoy additional discounts on mega sales and monthly shipping vouchers.

    *Terms and conditions apply

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Cashback Mastercard

Annual Fee: P4.5K

Min. Monthly Income: P15K

  • Get up to 6% rebates on supermarket purchases.

  • Up to 2% Cash Back on Meralco bill payments through UnionBank Online.

  • Save as much as PHP 15,000 per year. Just spend at least PHP 10,000 per month on non-Meralco and non-supermarket purchases to maximize your rebates.

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