UBUpdated Oct 19, 2026
UnionBank Mercury Visa
No Annual Fee promo until Dec 31, 2026. T&Cs Apply.
Annual fee₱2,000/year
NetworkVisa
Minimum income₱180,000/year
Best forRewards
Everything important, in one place.
Welcome offers
No Annual Fee promo until Dec 31, 2026. T&Cs Apply.
Overview
- Provider
- UB
- Best for
- Rewards
Features
- Earn 5X points on up to ₱320,000 spend in Mercury Drug
- Earn 5X points on Health, Beauty, and Wellness
- Earn 3X points on foreign currency spend
Lock Card Feature
- Yes, via UnionBank App
Disclaimer
All trademarks are the property of their respective banks. Information is sourced from each bank’s official website and was last updated in July 2025
Card features
- Beginner Friendly
- Health
- NAFFL
Fees
- Annual fee
- ₱2,000/year
- Monthly interest
- 3%
- Foreign transaction fee
- 3.525%
Note: Forex fee applies to the converted amount based on the prevailing rate of your card network and UnionBank at posting time
- Cross-border fee
- 1%
Note: Cross-border fees apply for purchases from merchants outside the Philippines, even if charged in Philippine Peso (₱)
Multiple Payment Fee
- N/A
Eligibility
- Minimum income
- ₱180,000/year
Rewards and cashback
- Card purpose
- Rewards
- Earning rate
- 1 Point for every ₱200 spend anywhere
- Network
- Visa