Annual feeNAFFL
NetworkVisa
Minimum income₱180,000/year
Best forCashback
Everything important, in one place.
Overview
- Provider
- UB
- Best for
- Cashback
Features
- No Annual Fee For Life (NAFFL)
- 3% Cashback on S&R spend
- 1% Cashback on dining and shopping spend
- 0.5% Cashback on all other spend
- Free S&R pizza for every ₱30,000 out-of-store spend, capped at 4 pizzas per year
- Auto-renewal of S&R Membership
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
- Groceries
Fees
- Annual fee
- NAFFL
- 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
- Cashback
- Network
- Visa
Cashback
- Unlimited Cashback