header fees and charges

Credit Cards - Fees and Charges

 Effective July 14, 2017

  Branded and Co-Brand/Affinity Cards Branded Cards Specialty Cards Cebu Pacific GetGo Cebu Pacific GetGo Platinum Corporate Card
Classic Gold Visa Platinum Mastercard Platinum Miles+ Platinum Shop&Talk
Annual Fee (Principal) P1,500 P2,500 P3,000 P3,000 P3,000 P1,500 P3,000 P5,000 P1,500
Annual Fee
(Supplementary)
P750 P1,250 P1,500 P1,500 P1,500 P750 P1,500 P2,500 N/A
Annual Expense Management Report Fee N/A P200
Finance Charge 3.5% Monthly Effective Interest Rate (EIR) which is computed based on average daily balance. Payment of only the minimum amount due or any amount less than the total amount due for the billing/cycle period, would automatically result to interest and/or other charges.
Late Payment Charge P750
Credit Life Insurance Premium (U-Protect/ U-Secure) P0.36 (U-Protect) or P0.55 (U-Secure) will be charged for every P100 Outstanding Balance
Cash Advance Service Fee 6% of the transaction amount or P300, whichever is higher, except for corporate cards which is at 2.9% of transaction amount. If done over-the counter, an additional fee of P500 per transaction shall be charged. Finance Charge of 3.5% per month will also be due on each cash advance from the date of the advance until date of repayment in full (including unbilled charges). Cash Advance fee is considered in the derivation for Cash Advance EIR. Total Annual EIR for Cash Advance transaction is 46%++ for P5,000 and above transactions via ATM.
Overlimit Fee P500 automatically billed to the cardholder on cycle date, when total transactions and system generated interest/charges exceed the credit limit.
Card Replacement Fee P400 for every lost or damaged card
Sales Slip Retrieval Fee P200 for every transaction slip requested
Returned Check Fee P1,500 for every returned check
Dispute Fee P1,000 for every valid dispute case
Refund Fee P50 which covers the cost of processing of a refund request in Manager's Check as a result of cardholder's overpayment
Pre-Termination Fee Applicable to all pre-terminated Installment Transactions; P500 or 5% of remaining principal balance, whichever is higher.
Service Fee for Foreign Currency Transactions All charges made in currencies other than Philippines Peso (PhP) shall automatically be converted to the (PhP) billing currency on posting date at the prevailing exhange rate selected by Visa Int'l. This will be based on the range of rates available in the wholesale currency markets or the government-mandated rate if in effect. A 3%  fee for Classic and Gold cards and 2% fee for Platinum cards will be added covering the cost of processing transactions in foreign currencies.
Gaming Fee 5% service fee shall be charged on gaming/gambling transactions and/or transactions made at gaming/gambling establishments, including placement of wagers, purchase of lottery tickets or other values in conjunction with any gaming or gambling activity.

 

1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com/ and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.