Go Rewards Program

The Go Rewards Program (“Program”) is a lifestyle rewards and loyalty program that offers meaningful rewards and experiences to the Bank’s Cardholders. Go Rewards Points are earned from Transactions and are reflected in the Go Rewards app. Go Rewards Points may be used to pay for purchases in Go Rewards and/or its partners.

1. Definition of Terms

1.1 In this Program, the following terms shall have the following meanings:

1. "Account" means a UnionBank savings debit account or UnionBank credit card account held in the name of the Cardholder;
2. "Account Currency" means, as applicable, the currency in which the Account is denominated;
3. "Bank" or “UnionBank” means Union Bank of the Philippines;
4. “Bank Holiday” means all regular special non-working holidays on a national level as well as local holidays in the cities of Pasig, Mandaluyong, and Quezon City;
5. "Card" means a (i) UnionBank Go Rewards Visa Debit Card, (ii) UnionBank Go Rewards Gold Visa Credit Card, (iii) UnionBank Go Rewards Platinum Visa Credit Card, (iv) UnionBank Cebu Pacific Gold Visa Credit Card, or (v) UnionBank Cebu Pacific Platinum Visa Credit Card, linked to an Account and granted to a Cardholder upon successful account opening, including any supplementary cards or renewal or replacements thereof;
6. "Cardholder” means a person who opens an Account with the Bank and agrees, after having read and understood the Bank’s Terms and Conditions, to be bound by such Terms and Conditions;
7. “Credentials” mean the Cardholder’s e-mail and mobile numbers;
8. "Go Rewards” means the loyalty program owned and administered by Data Analytics Ventures, Inc. (“DAVI”), a subsidiary of JG Summit Holdings Inc. ;
9. "Go Rewards Account” means the Cardholder’s membership account with Go Rewards;
10. “Go Rewards Points” mean points earned by the Cardholder member with each Transaction;
11. "PIN" means the personal identification number issued to the Cardholder from time to time for use with the Card;
12. “Terms and Conditions” means the specific terms and conditions which govern the opening and maintenance of the Account and use or access to the Bank’s related services, which Terms and Conditions are available at https://www.unionbankph.com/terms-and-conditions;
13. "Transaction" means retail purchases made using the Card other than those transactions which do not earn Go Rewards Points or are excluded from the computation of Go Rewards Points set out below;
14. “UnionBank Online” means the Bank’s mobile application and/or internet banking facility; and
15. "Working Days" means Monday to Friday inclusive except Bank holidays.

1.2 References to the singular include the plural and vice versa and references to one gender include references to the other gender. The headings used herein are for ease of reference only.

2. Benefits and Charges

2.1 The following are the features and benefits per card type:

*Additional benefits due to the changes to Cardholder’s Go Rewards status are subject to the Go Rewards terms and conditions published in the Go Rewards website (https://www.gorewards.com.ph/terms-and-conditions).
This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.

2.2 The Bank may charge or debit to the Account applicable annual fees depending on the card type issued on each anniversary year from date of issuance.

2.3. The Bank may also charge or debit to the Account charges for inactivity depending on the Card type.

2.4. Withdrawals may be subject to charges in accordance with the Bank’s schedule of fees, which can be viewed in the UnionBank Online App or in the Bank’s website, if imposed by the Bank, or the relevant payment systems and other banks.

General Program Mechanics

A. Rewards Program Eligibility

Only Cardholders whose Accounts are in current and active status and who have a Go Rewards Account membership can participate in the Program. The Bank reserves the right to suspend the participation in the Program of a Cardholder with delinquent or dormant Account status or who ceases to be enrolled as a member.

B. Go Rewards Points Accumulation

1. The Cardholder must ensure that his/her Card is linked to his Go Rewards Account to ensure that Go Rewards Points earned or accumulated are reflected in the Go Rewards app and/or statement of account.
2. Below is the spend requirement to earn Go Rewards Points per card type:

   Card Type	Spend Requirement on VISA/Bancnet and equivalent Go Rewards Points
   UnionBank Go Rewards Visa Debit Card	Php 400.00 Spend = 1 Go Rewards Point
   UnionBank Go Rewards Gold Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point
   UnionBank Go Rewards Platinum Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in RRHI = 1 Go Rewards Point
   UnionBank Cebu Pacific Gold Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in Cebu Pacific = 1 Go Rewards Point
   UnionBank Cebu Pacific Platinum Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in Cebu Pacific = 1 Go Rewards Point

1. The following Transactions will earn Go Rewards Points under this Program:
   1. all POS-based purchases and/or online payments made to establishments including but not limited to gasoline stations, online purchases, drugstores, and supermarkets; and
   2. all PIN-based Transactions routed via Bancnet/Megalink made to establishments including but not limited to gasoline stations, online purchases, drugstores, and supermarkets.
2. The following Transactions will not earn Go Rewards Points under this Program and will be excluded in the computation of Go Rewards Points:
   1. fees and charges
      • Annual fee(s)
      • ATM withdrawals
      • Automatic Debit Arrangements (ADAs)
      • Additional Account Fees and Charges assessed by the Bank (such as Interest and late charges, cash advance and cash advance fees, and/or overlimit fees)
   2. business transactions such as:
      • wholesale purchases - in warehouse clubs, online wholesale stores and other similar merchants;
      • fleet purchases – involving fuel, service, consumables, and other expenses related to the maintenance of vehicles for commercial purposes;
      • distribution-related purchases – pharmaceuticals, consumer goods, dealers, networking or multi-level marketing
      • other purchases that may be deemed as business transactions
   3. gaming transactions
   4. bills payment
3. Cardholders can also earn Go Rewards Points from Transactions with Go Rewards partners. For more details on the specific mechanics for earning Go Rewards Points with Go Rewards partners, please refer to the terms and conditions published in the Go Rewards microsite (https://www.gorewards.com.ph/terms-and-conditions).
   This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.

C. Redemption

1. All Go Rewards Points earned by the Cardholder will automatically be credited to the Cardholder’s Go Rewards Account at the beginning of each succeeding month for Debit Cardholders and 3-5 banking days from statement date for Credit Cardholders.
2. Go Rewards Points will be credited to the Cardholder’s Go Rewards Account and may only be used inside the Go Rewards Program.
3. For more details on the specific mechanics for redeeming points with Go Rewards partners, please refer to the terms and conditions published in the Go Rewards microsite (https://www.gorewards.com.ph/terms-and-conditions).
   This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.

D. General Policies

1. All eligible Cardholders are qualified to earn Go Rewards Points. Go Rewards Points earned via Transactions using supplementary cards will be credited to the principal credit Cardholder’s Account.
2. Go Rewards Points are computed on a per transaction basis. No partial points awarding is allowed.
3. Go Rewards Points may not be converted to cash, annual fee payments, or used to buy load, pay bills, top-up wallets and transferred to other Accounts and cannot be used to redeem rewards items in the UnionBank Rewards Catalogue.
4. Go Rewards Points previously earned from Transactions which are later on reversed, cancelled or disputed by either the Cardholder or merchant, or for which a refund is claimed by the Cardholder or otherwise subject to a refund by the merchant will be reversed or adjusted accordingly.
5. The Cardholder understands that the Bank and/or DAVI may: <
   1. adjust Go Rewards Points reflected in the Cardholder’s Account in case of errors in points computation, system downtime, and other unforeseen factors;
   2. forfeit Go Rewards Points if, in the Bank’s reasonable determination:
      • the Cardholder has violated the Bank’s Terms and Conditions or this Program; and/or
      • the Cardholder has abused or committed fraud in the earning of Go Rewards Points under this Program or in its redemption;
   3. charge/bill the Cardholder the amount of forfeitable Go Rewards Points already redeemed or used by the Cardholder as penalty for abusing or violating the terms and conditions of this Program.
6. The Cardholder must report any dispute regarding Go Rewards Points earned within thirty (30) days from receipt. Otherwise, the same is considered true and correct. Concerns related to the Go Rewards Account or app such as merging, linking, or other membership-related concerns should be reported to DAVI.
7. The Bank reserves the right to amend, discontinue, terminate the Program or any existing arrangement with its Program/merchant partners by notice posted on UnionBank Online or other channels chosen by the Bank.
8. The Bank may assign any or all of its rights and obligations under this Program to a third party by giving at least thirty (30) days written notice to the Cardholder prior to the effectivity of such assignment. Any assignment made by the Bank shall not affect in whatever form any of your accrued rights and obligations under this Program.
9. The Cardholder agrees that by signing this document, his application, maintenance, or continued use of any of the Bank’s products and services shall be his acceptance and agreement to be bound by the provisions of the Bank’s Data Privacy Statement (DPS) found at https://www.unionbankph.com/privacy-security.
   The Cardholder agrees to authorize the Bank to collect, use, and share Personal Data (as defined under the Data Privacy Law of 2012 and its implementing rules and regulations), customer data, and account or transaction information or records (collectively, the “Information”) provided, and where permitted by law, to share it with: (i) Aboitiz Construction, Inc.; Aboitiz Equity Ventures; and the Bank, including their respective subsidiaries and affiliates (collectively, the “Aboitiz Group”) for cross-selling and for the following purposes: (a) purposes as set out in the DPS in force; (b) to identify and inform the Cardholder of products and services provided by the Aboitiz Group that may be of interest to the Cardholder; (c) for compliance to any law, regulations, government requirement, treaty, agreement, policy or as required by or for the purpose of any court legal process, examination, inquiry, audit, or investigation of any authority. This applies notwithstanding any non-disclosure agreement.
10. For any concerns other than Go Rewards Account or app concerns, a Cardholder may contact the Bank through the channel’s listed below. For social media channels, a representative will get in touch within 24-48 hours from the time the Bank receives the question or concern.

    	UnionBank Go Rewards Visa debit card, UnionBank Go Rewards Gold Visa credit card, and UnionBank Cebu Pacific Gold Visa credit card	UnionBank Go Rewards Platinum Visa credit card and UnionBank Cebu Pacific Platinum Visa Credit card
    Phone	+63 2 8841 8600	+63 2 8631-7528
    E-mail	customer.service@unionbankph.com	platinum@unionbankph.com

    • Facebook Messenger: m.me/unionbankph.com
    • Twitter: twitter.com/unionbankph

In the event that a Cardholder’s concern requires an investigation, the Cardholder agrees to provide the Bank with all information required, and consent to the use and processing of the information provides, to enable the Bank to expediently address the concern. The Cardholder also allows the Bank to disclose information provided to third parties, if necessary for the purpose of addressing the concern. 

UnionBank of the Philippines is an entity regulated by the BSP. The BSP’s contact details are as follows:
BSP Online Buddy (BOB) webchat: https://www.bsp.gov.ph
SMS: 21582277 (for Globe subscribers only)
Facebook Messenger: @BangkoSentralngPilipinas

Go Rewards Program

The Go Rewards Program (“Program”) is a lifestyle rewards and loyalty program that offers meaningful rewards and experiences to the Bank’s Cardholders. Go Rewards Points are earned from Transactions and are reflected in the Go Rewards app. Go Rewards Points may be used to pay for purchases in Go Rewards and/or its partners.

1. Definition of Terms

1.1 In this Program, the following terms shall have the following meanings:

1. "Account" means a UnionBank savings debit account or UnionBank credit card account held in the name of the Cardholder;
2. "Account Currency" means, as applicable, the currency in which the Account is denominated;
3. "Bank" or “UnionBank” means Union Bank of the Philippines;
4. “Bank Holiday” means all regular special non-working holidays on a national level as well as local holidays in the cities of Pasig, Mandaluyong, and Quezon City;
5. "Card" means a (i) UnionBank Go Rewards Visa Debit Card, (ii) UnionBank Go Rewards Gold Visa Credit Card, (iii) UnionBank Go Rewards Platinum Visa Credit Card, (iv) UnionBank Cebu Pacific Gold Visa Credit Card, or (v) UnionBank Cebu Pacific Platinum Visa Credit Card, linked to an Account and granted to a Cardholder upon successful account opening, including any supplementary cards or renewal or replacements thereof;
6. "Cardholder” means a person who opens an Account with the Bank and agrees, after having read and understood the Bank’s Terms and Conditions, to be bound by such Terms and Conditions;
7. “Credentials” mean the Cardholder’s e-mail and mobile numbers;
8. "Go Rewards” means the loyalty program owned and administered by Data Analytics Ventures, Inc. (“DAVI”), a subsidiary of JG Summit Holdings Inc. ;
9. "Go Rewards Account” means the Cardholder’s membership account with Go Rewards;
10. “Go Rewards Points” mean points earned by the Cardholder member with each Transaction;
11. "PIN" means the personal identification number issued to the Cardholder from time to time for use with the Card;
12. “Terms and Conditions” means the specific terms and conditions which govern the opening and maintenance of the Account and use or access to the Bank’s related services, which Terms and Conditions are available at https://www.unionbankph.com/terms-and-conditions;
13. "Transaction" means retail purchases made using the Card other than those transactions which do not earn Go Rewards Points or are excluded from the computation of Go Rewards Points set out below;
14. “UnionBank Online” means the Bank’s mobile application and/or internet banking facility; and
15. "Working Days" means Monday to Friday inclusive except Bank holidays.

1.2 References to the singular include the plural and vice versa and references to one gender include references to the other gender. The headings used herein are for ease of reference only.

2. Benefits and Charges

2.1 The following are the features and benefits per card type:

*Additional benefits due to the changes to Cardholder’s Go Rewards status are subject to the Go Rewards terms and conditions published in the Go Rewards website (https://www.gorewards.com.ph/terms-and-conditions).
This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.

2.2 The Bank may charge or debit to the Account applicable annual fees depending on the card type issued on each anniversary year from date of issuance.

2.3. The Bank may also charge or debit to the Account charges for inactivity depending on the Card type.

2.4. Withdrawals may be subject to charges in accordance with the Bank’s schedule of fees, which can be viewed in the UnionBank Online App or in the Bank’s website, if imposed by the Bank, or the relevant payment systems and other banks.

General Program Mechanics

A. Rewards Program Eligibility

Only Cardholders whose Accounts are in current and active status and who have a Go Rewards Account membership can participate in the Program. The Bank reserves the right to suspend the participation in the Program of a Cardholder with delinquent or dormant Account status or who ceases to be enrolled as a member.

B. Go Rewards Points Accumulation

1. The Cardholder must ensure that his/her Card is linked to his Go Rewards Account to ensure that Go Rewards Points earned or accumulated are reflected in the Go Rewards app and/or statement of account.
2. Below is the spend requirement to earn Go Rewards Points per card type:

   Card Type	Spend Requirement on VISA/Bancnet and equivalent Go Rewards Points
   UnionBank Go Rewards Visa Debit Card	Php 400.00 Spend = 1 Go Rewards Point
   UnionBank Go Rewards Gold Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point
   UnionBank Go Rewards Platinum Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in RRHI = 1 Go Rewards Point
   UnionBank Cebu Pacific Gold Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in Cebu Pacific = 1 Go Rewards Point
   UnionBank Cebu Pacific Platinum Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in Cebu Pacific = 1 Go Rewards Point

1. The following Transactions will earn Go Rewards Points under this Program:
   1. all POS-based purchases and/or online payments made to establishments including but not limited to gasoline stations, online purchases, drugstores, and supermarkets; and
   2. all PIN-based Transactions routed via Bancnet/Megalink made to establishments including but not limited to gasoline stations, online purchases, drugstores, and supermarkets.
2. The following Transactions will not earn Go Rewards Points under this Program and will be excluded in the computation of Go Rewards Points:
   1. fees and charges
      • Annual fee(s)
      • ATM withdrawals
      • Automatic Debit Arrangements (ADAs)
      • Additional Account Fees and Charges assessed by the Bank (such as Interest and late charges, cash advance and cash advance fees, and/or overlimit fees)
   2. business transactions such as:
      • wholesale purchases - in warehouse clubs, online wholesale stores and other similar merchants;
      • fleet purchases – involving fuel, service, consumables, and other expenses related to the maintenance of vehicles for commercial purposes;
      • distribution-related purchases – pharmaceuticals, consumer goods, dealers, networking or multi-level marketing
      • other purchases that may be deemed as business transactions
   3. gaming transactions
   4. bills payment
3. Cardholders can also earn Go Rewards Points from Transactions with Go Rewards partners. For more details on the specific mechanics for earning Go Rewards Points with Go Rewards partners, please refer to the terms and conditions published in the Go Rewards microsite (https://www.gorewards.com.ph/terms-and-conditions).
   This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.

C. Redemption

1. All Go Rewards Points earned by the Cardholder will automatically be credited to the Cardholder’s Go Rewards Account at the beginning of each succeeding month for Debit Cardholders and 3-5 banking days from statement date for Credit Cardholders.
2. Go Rewards Points will be credited to the Cardholder’s Go Rewards Account and may only be used inside the Go Rewards Program.
3. For more details on the specific mechanics for redeeming points with Go Rewards partners, please refer to the terms and conditions published in the Go Rewards microsite (https://www.gorewards.com.ph/terms-and-conditions).
   This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.

D. General Policies

1. All eligible Cardholders are qualified to earn Go Rewards Points. Go Rewards Points earned via Transactions using supplementary cards will be credited to the principal credit Cardholder’s Account.
2. Go Rewards Points are computed on a per transaction basis. No partial points awarding is allowed.
3. Go Rewards Points may not be converted to cash, annual fee payments, or used to buy load, pay bills, top-up wallets and transferred to other Accounts and cannot be used to redeem rewards items in the UnionBank Rewards Catalogue.
4. Go Rewards Points previously earned from Transactions which are later on reversed, cancelled or disputed by either the Cardholder or merchant, or for which a refund is claimed by the Cardholder or otherwise subject to a refund by the merchant will be reversed or adjusted accordingly.
5. The Cardholder understands that the Bank and/or DAVI may: <
   1. adjust Go Rewards Points reflected in the Cardholder’s Account in case of errors in points computation, system downtime, and other unforeseen factors;
   2. forfeit Go Rewards Points if, in the Bank’s reasonable determination:
      • the Cardholder has violated the Bank’s Terms and Conditions or this Program; and/or
      • the Cardholder has abused or committed fraud in the earning of Go Rewards Points under this Program or in its redemption;
   3. charge/bill the Cardholder the amount of forfeitable Go Rewards Points already redeemed or used by the Cardholder as penalty for abusing or violating the terms and conditions of this Program.
6. The Cardholder must report any dispute regarding Go Rewards Points earned within thirty (30) days from receipt. Otherwise, the same is considered true and correct. Concerns related to the Go Rewards Account or app such as merging, linking, or other membership-related concerns should be reported to DAVI.
7. The Bank reserves the right to amend, discontinue, terminate the Program or any existing arrangement with its Program/merchant partners by notice posted on UnionBank Online or other channels chosen by the Bank.
8. The Bank may assign any or all of its rights and obligations under this Program to a third party by giving at least thirty (30) days written notice to the Cardholder prior to the effectivity of such assignment. Any assignment made by the Bank shall not affect in whatever form any of your accrued rights and obligations under this Program.
9. The Cardholder agrees that by signing this document, his application, maintenance, or continued use of any of the Bank’s products and services shall be his acceptance and agreement to be bound by the provisions of the Bank’s Data Privacy Statement (DPS) found at https://www.unionbankph.com/privacy-security.
   The Cardholder agrees to authorize the Bank to collect, use, and share Personal Data (as defined under the Data Privacy Law of 2012 and its implementing rules and regulations), customer data, and account or transaction information or records (collectively, the “Information”) provided, and where permitted by law, to share it with: (i) Aboitiz Construction, Inc.; Aboitiz Equity Ventures; and the Bank, including their respective subsidiaries and affiliates (collectively, the “Aboitiz Group”) for cross-selling and for the following purposes: (a) purposes as set out in the DPS in force; (b) to identify and inform the Cardholder of products and services provided by the Aboitiz Group that may be of interest to the Cardholder; (c) for compliance to any law, regulations, government requirement, treaty, agreement, policy or as required by or for the purpose of any court legal process, examination, inquiry, audit, or investigation of any authority. This applies notwithstanding any non-disclosure agreement.
10. For any concerns other than Go Rewards Account or app concerns, a Cardholder may contact the Bank through the channel’s listed below. For social media channels, a representative will get in touch within 24-48 hours from the time the Bank receives the question or concern.

    	UnionBank Go Rewards Visa debit card, UnionBank Go Rewards Gold Visa credit card, and UnionBank Cebu Pacific Gold Visa credit card	UnionBank Go Rewards Platinum Visa credit card and UnionBank Cebu Pacific Platinum Visa Credit card
    Phone	+63 2 8841 8600	+63 2 8631-7528
    E-mail	customer.service@unionbankph.com	platinum@unionbankph.com

    • Facebook Messenger: m.me/unionbankph.com
    • Twitter: twitter.com/unionbankph

In the event that a Cardholder’s concern requires an investigation, the Cardholder agrees to provide the Bank with all information required, and consent to the use and processing of the information provides, to enable the Bank to expediently address the concern. The Cardholder also allows the Bank to disclose information provided to third parties, if necessary for the purpose of addressing the concern. 

UnionBank of the Philippines is an entity regulated by the BSP. The BSP’s contact details are as follows:
BSP Online Buddy (BOB) webchat: https://www.bsp.gov.ph
SMS: 21582277 (for Globe subscribers only)
Facebook Messenger: @BangkoSentralngPilipinas

More than one way to collect Play Points! Click to learn more

Get a free appetizer when you use your Burgoo Visa card for the first time at any Burgoo branch.

• Just present the voucher upon ordering along with your Burgoo Visa Card to claim your welcome treat.

• 5% discount when you shop in The North Face, The Travel Club, and R.O.X. stores
• 30% discount on fees and priority registration in TNF initiated events (example: TNF100, Thrill of the Trail, Great Camp Out, etc.)

If you are an Extra Special Policyholder of Insular Life, you get a breakfast treat on your birthday! And while you’re at it, enjoy a free Annual Medical Check-up on your birth month!

Enjoy our Double Zero Deal with 0% on your purchase and 0 payment on the first 3 months.

• 0% interest on 3 and 6-month installment terms for Home Builder Superstore items (nails, paint, tools, locks, bathroom fixtures etc.)
• 0% interest on 3, 6, 9, 12, 15, 18, 21, and 24-month installment terms for Home Interior Superstore items (chairs, tables, sofas, entertainment centers etc.)

Your Corporate Card Program includes a web-based system called Visa Spend Clarity Enterprise that allows you to automate expense reporting and management processes. It provides you with a consolidated view of all the expenses of cardholders enrolled in the program, even cash transactions.

The system allows you to tailor-fit reports according to how you want to analyze your data. What’s more, your reports can be exported to Excel or PDF that can be integrated with your existing accounting and other enterprise systems.

This system is available 24x7 and very simple to use due to its intuitive and interactive interface. It also requires no additional investment from you -- all you need is a Web browser.  The Visa Spend Clarity Enterprise System basic package has a subscription fee of P200 per company per year.

Redeem points for any of the following items:

• TRAVEL REWARDS:
  • Philippine Airline’s Mabuhay Miles – transfer points to PAL’s Mabuhay Miles Frequent Flyer Program for free plane tickets.
  • Petron Value Card – use points to load Petron Gas for your car.
• SHOPPING GIFT CERTIFICATES:
  • SM Gift Certificates
  • Rustan’s Gift Certificates
• LEISURE & ENTERTAINMENT:
  • Choose your SM Movie Passes – from Regular, Director’s Club to IMAX Theaters
• CASH REBATES/ ANNUAL FEES       
  • Use points to pay for your primary and supplementary Card’s Annual Fees.
  • Get Cash Credits for a minimum of P100 from your points

• Earn 1% cash back on all your purchases, everyday. NO CAPs on how much you can earn.
• There’s no need to remember confusing spend categories because you earn 1% cash back on EVERYTHING, EVERYWHERE.
• The cash back you earn DOES NOT EXPIRE, so redeem at your convenience.

Earn 1% cash back on all your purchases, everyday. NO CAPs on how much you can earn.

There’s no need to remember confusing spend categories because you earn 1% cashback on EVERYTHING, EVERYWHERE.

The cash back you earn DOES NOT EXPIRE, so redeem at your convenience.

Get a free room gift certificate without any spend requirement

• Simply pay your first annual fee and call our 24-hour Customer Service Hotline at Domestic Toll Free 1-800-1888-2277(for PLDT subscribers) or 02-8418600 (for other landline subscribers) to arrange for your FREE gift certificate.
• This free gift certificate is for a superior room, for single or double occupancy with breakfast, overnight stay.
• You also have the option to upgrade to a Parklane Room for a minimal cost of P500.

Go Rewards Program

The Go Rewards Program (“Program”) is a lifestyle rewards and loyalty program that offers meaningful rewards and experiences to the Bank’s Cardholders. Go Rewards Points are earned from Transactions and are reflected in the Go Rewards app. Go Rewards Points may be used to pay for purchases in Go Rewards and/or its partners.

1. Definition of Terms

1.1 In this Program, the following terms shall have the following meanings:

1. "Account" means a UnionBank savings debit account or UnionBank credit card account held in the name of the Cardholder;
2. "Account Currency" means, as applicable, the currency in which the Account is denominated;
3. "Bank" or “UnionBank” means Union Bank of the Philippines;
4. “Bank Holiday” means all regular special non-working holidays on a national level as well as local holidays in the cities of Pasig, Mandaluyong, and Quezon City;
5. "Card" means a (i) UnionBank Go Rewards Visa Debit Card, (ii) UnionBank Go Rewards Gold Visa Credit Card, (iii) UnionBank Go Rewards Platinum Visa Credit Card, (iv) UnionBank Cebu Pacific Gold Visa Credit Card, or (v) UnionBank Cebu Pacific Platinum Visa Credit Card, linked to an Account and granted to a Cardholder upon successful account opening, including any supplementary cards or renewal or replacements thereof;
6. "Cardholder” means a person who opens an Account with the Bank and agrees, after having read and understood the Bank’s Terms and Conditions, to be bound by such Terms and Conditions;
7. “Credentials” mean the Cardholder’s e-mail and mobile numbers;
8. "Go Rewards” means the loyalty program owned and administered by Data Analytics Ventures, Inc. (“DAVI”), a subsidiary of JG Summit Holdings Inc. ;
9. "Go Rewards Account” means the Cardholder’s membership account with Go Rewards;
10. “Go Rewards Points” mean points earned by the Cardholder member with each Transaction;
11. "PIN" means the personal identification number issued to the Cardholder from time to time for use with the Card;
12. “Terms and Conditions” means the specific terms and conditions which govern the opening and maintenance of the Account and use or access to the Bank’s related services, which Terms and Conditions are available at https://www.unionbankph.com/terms-and-conditions;
13. "Transaction" means retail purchases made using the Card other than those transactions which do not earn Go Rewards Points or are excluded from the computation of Go Rewards Points set out below;
14. “UnionBank Online” means the Bank’s mobile application and/or internet banking facility; and
15. "Working Days" means Monday to Friday inclusive except Bank holidays.

1.2 References to the singular include the plural and vice versa and references to one gender include references to the other gender. The headings used herein are for ease of reference only.

2. Benefits and Charges

2.1 The following are the features and benefits per card type:

*Additional benefits due to the changes to Cardholder’s Go Rewards status are subject to the Go Rewards terms and conditions published in the Go Rewards website (https://www.gorewards.com.ph/terms-and-conditions).
This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.

2.2 The Bank may charge or debit to the Account applicable annual fees depending on the card type issued on each anniversary year from date of issuance.

2.3 The Bank may also charge or debit to the Account charges for inactivity depending on the Card type.

2.4 Withdrawals may be subject to charges in accordance with the
Bank’s schedule of fees, which can be viewed in the UnionBank Online App or in the Bank’s website, if imposed by the Bank, or the relevant payment systems and other banks.

General Program Mechanics

1. Rewards Program Eligibility
   Only Cardholders whose Accounts are in current and active status and who have a Go Rewards Account membership can participate in the Program. The Bank reserves the right to suspend the participation in the Program of a Cardholder with delinquent or dormant Account status or who ceases to be enrolled as a member.
2. Go Rewards Points Accumulation
   1. The Cardholder must ensure that his/her Card is linked to his Go Rewards Account to ensure that Go Rewards Points earned or accumulated are reflected in the Go Rewards app and/or statement of account.
   2. Below is the spend requirement to earn Go Rewards Points per card type:

      Card Type	Spend Requirement on VISA/Bancnet and equivalent Go Rewards Points
      UnionBank Go Rewards Visa Debit Card	Php 400.00 Spend = 1 Go Rewards Point
      UnionBank Go Rewards Gold Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point
      UnionBank Go Rewards Platinum Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in RRHI = 1 Go Rewards Point
      UnionBank Cebu Pacific Gold Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in Cebu Pacific = 1 Go Rewards Point
      UnionBank Cebu Pacific Platinum Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in Cebu Pacific = 1 Go Rewards Point

   3. The following Transactions will earn Go Rewards Points under this Program:
      1. all POS-based purchases and/or online payments made to establishments including but not limited to gasoline stations, online purchases, drugstores, and supermarkets; and
      2. all PIN-based Transactions routed via Bancnet/Megalink made to establishments including but not limited to gasoline stations, online purchases, drugstores, and supermarkets.
   4. The following Transactions will not earn Go Rewards Points under this Program and will be excluded in the computation of Go Rewards Points:
      1. fees and charges
         1. Annual fee(s)
         2. ATM withdrawals
         3. Automatic Debit Arrangements (ADAs)
         4. Additional Account Fees and Charges assessed by the Bank (such as Interest and late charges, cash advance and cash advance fees, and/or overlimit fees)
      2. business transactions such as:
         1. wholesale purchases - in warehouse clubs, online wholesale stores and other similar merchants;
         2. fleet purchases – involving fuel, service, consumables, and other expenses related to the maintenance of vehicles for commercial purposes;
         3. distribution-related purchases – pharmaceuticals, consumer goods, dealers, networking or multi-level marketing
         4. other purchases that may be deemed as business transactions
      3. gaming transactions
      4. bills payment
   5. Cardholders can also earn Go Rewards Points from Transactions with Go Rewards partners. For more details on the specific mechanics for earning Go Rewards Points with Go Rewards partners, please refer to the terms and conditions published in the Go Rewards microsite (https://www.gorewards.com.ph/terms-and-conditions).
      This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.
3. Redemption
   1. All Go Rewards Points earned by the Cardholder will automatically be credited to the Cardholder’s Go Rewards Account at the beginning of each succeeding month for Debit Cardholders and 3-5 banking days from statement date for Credit Cardholders.
   2. Go Rewards Points will be credited to the Cardholder’s Go Rewards Account and may only be used inside the Go Rewards Program.
   3. For more details on the specific mechanics for redeeming points with Go Rewards partners, please refer to the terms and conditions published in the Go Rewards microsite (https://www.gorewards.com.ph/terms-and-conditions).
      This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.
4. General Policies
   1. All eligible Cardholders are qualified to earn Go Rewards Points. Go Rewards Points earned via Transactions using supplementary cards will be credited to the principal credit Cardholder’s Account.
   2. Go Rewards Points are computed on a per transaction basis. No partial points awarding is allowed.
   3. Go Rewards Points may not be converted to cash, annual fee payments, or used to buy load, pay bills, top-up wallets and transferred to other Accounts and cannot be used to redeem rewards items in the UnionBank Rewards Catalogue.
   4. Go Rewards Points previously earned from Transactions which are later on reversed, cancelled or disputed by either the Cardholder or merchant, or for which a refund is claimed by the Cardholder or otherwise subject to a refund by the merchant will be reversed or adjusted accordingly.
   5. The Cardholder understands that the Bank and/or DAVI may:
      • adjust Go Rewards Points reflected in the Cardholder’s Account in case of errors in points computation, system downtime, and other unforeseen factors;
      • forfeit Go Rewards Points if, in the Bank’s reasonable determination:
        • the Cardholder has violated the Bank’s Terms and Conditions or this Program; and/or
        • the Cardholder has abused or committed fraud in the earning of Go Rewards Points under this Program or in its redemption;
      • charge/bill the Cardholder the amount of forfeitable Go Rewards Points already redeemed or used by the Cardholder as penalty for abusing or violating the terms and conditions of this Program.
   6. The Cardholder must report any dispute regarding Go Rewards Points earned within thirty (30) days from receipt. Otherwise, the same is considered true and correct. Concerns related to the Go Rewards Account or app such as merging, linking, or other membership-related concerns should be reported to DAVI.
   7. The Bank reserves the right to amend, discontinue, terminate the Program or any existing arrangement with its Program/merchant partners by notice posted on UnionBank Online or other channels chosen by the Bank.
   8. The Bank may assign any or all of its rights and obligations under this Program to a third party by giving at least thirty (30) days written notice to the Cardholder prior to the effectivity of such assignment. Any assignment made by the Bank shall not affect in whatever form any of your accrued rights and obligations under this Program.
   9. The Cardholder agrees that by signing this document, his application, maintenance, or continued use of any of the Bank’s products and services shall be his acceptance and agreement to be bound by the provisions of the Bank’s Data Privacy Statement (DPS) found at https://www.unionbankph.com/privacy-security.
   10. The Cardholder agrees to authorize the Bank to collect, use, and share Personal Data (as defined under the Data Privacy Law of 2012 and its implementing rules and regulations), customer data, and account or transaction information or records (collectively, the “Information”) provided, and where permitted by law, to share it with: (i) Aboitiz Construction, Inc.; Aboitiz Equity Ventures; and the Bank, including their respective subsidiaries and affiliates (collectively, the “Aboitiz Group”) for cross-selling and for the following purposes: (a) purposes as set out in the DPS in force; (b) to identify and inform the Cardholder of products and services provided by the Aboitiz Group that may be of interest to the Cardholder; (c) for compliance to any law, regulations, government requirement, treaty, agreement, policy or as required by or for the purpose of any court legal process, examination, inquiry, audit, or investigation of any authority. This applies notwithstanding any non-disclosure agreement.
   11. For any concerns other than Go Rewards Account or app concerns, a Cardholder may contact the Bank through the channel’s listed below. For social media channels, a representative will get in touch within 24-48 hours from the time the Bank receives the question or concern.

       	UnionBank Go Rewards Visa debit card, UnionBank Go Rewards Gold Visa credit card, and UnionBank Cebu Pacific Gold Visa credit card	UnionBank Go Rewards Platinum Visa credit card and UnionBank Cebu Pacific Platinum Visa Credit card
       Phone	+63 2 8841 8600	+63 2 8631-7528
       E-mail	customer.service@unionbankph.com	platinum@unionbankph.com

       • Facebook Messenger: m.me/unionbankph.com
       • Twitter: twitter.com/unionbankph

       In the event that a Cardholder’s concern requires an investigation, the Cardholder agrees to provide the Bank with all information required, and consent to the use and processing of the information provides, to enable the Bank to expediently address the concern. The Cardholder also allows the Bank to disclose information provided to third parties, if necessary for the purpose of addressing the concern. 

       UnionBank of the Philippines is an entity regulated by the BSP. The BSP’s contact details are as follows:

       BSP Online Buddy (BOB) webchat: https://www.bsp.gov.ph

       SMS: 21582277 (for Globe subscribers only)

       Facebook Messenger: @BangkoSentralngPilipinas

Go Rewards Program

The Go Rewards Program (“Program”) is a lifestyle rewards and loyalty program that offers meaningful rewards and experiences to the Bank’s Cardholders. Go Rewards Points are earned from Transactions and are reflected in the Go Rewards app. Go Rewards Points may be used to pay for purchases in Go Rewards and/or its partners.

1. Definition of Terms

1.1 In this Program, the following terms shall have the following meanings:

1. "Account" means a UnionBank savings debit account or UnionBank credit card account held in the name of the Cardholder;
2. "Account Currency" means, as applicable, the currency in which the Account is denominated;
3. "Bank" or “UnionBank” means Union Bank of the Philippines;
4. “Bank Holiday” means all regular special non-working holidays on a national level as well as local holidays in the cities of Pasig, Mandaluyong, and Quezon City;
5. "Card" means a (i) UnionBank Go Rewards Visa Debit Card, (ii) UnionBank Go Rewards Gold Visa Credit Card, (iii) UnionBank Go Rewards Platinum Visa Credit Card, (iv) UnionBank Cebu Pacific Gold Visa Credit Card, or (v) UnionBank Cebu Pacific Platinum Visa Credit Card, linked to an Account and granted to a Cardholder upon successful account opening, including any supplementary cards or renewal or replacements thereof;
6. "Cardholder” means a person who opens an Account with the Bank and agrees, after having read and understood the Bank’s Terms and Conditions, to be bound by such Terms and Conditions;
7. “Credentials” mean the Cardholder’s e-mail and mobile numbers;
8. "Go Rewards” means the loyalty program owned and administered by Data Analytics Ventures, Inc. (“DAVI”), a subsidiary of JG Summit Holdings Inc. ;
9. "Go Rewards Account” means the Cardholder’s membership account with Go Rewards;
10. “Go Rewards Points” mean points earned by the Cardholder member with each Transaction;
11. "PIN" means the personal identification number issued to the Cardholder from time to time for use with the Card;
12. “Terms and Conditions” means the specific terms and conditions which govern the opening and maintenance of the Account and use or access to the Bank’s related services, which Terms and Conditions are available at https://www.unionbankph.com/terms-and-conditions;
13. "Transaction" means retail purchases made using the Card other than those transactions which do not earn Go Rewards Points or are excluded from the computation of Go Rewards Points set out below;
14. “UnionBank Online” means the Bank’s mobile application and/or internet banking facility; and
15. "Working Days" means Monday to Friday inclusive except Bank holidays.

1.2 References to the singular include the plural and vice versa and references to one gender include references to the other gender. The headings used herein are for ease of reference only.

2. Benefits and Charges

2.1 The following are the features and benefits per card type:

*Additional benefits due to the changes to Cardholder’s Go Rewards status are subject to the Go Rewards terms and conditions published in the Go Rewards website (https://www.gorewards.com.ph/terms-and-conditions).
This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.

2.2 The Bank may charge or debit to the Account applicable annual fees depending on the card type issued on each anniversary year from date of issuance.

2.3 The Bank may also charge or debit to the Account charges for inactivity depending on the Card type.

2.4 Withdrawals may be subject to charges in accordance with the
Bank’s schedule of fees, which can be viewed in the UnionBank Online App or in the Bank’s website, if imposed by the Bank, or the relevant payment systems and other banks.

General Program Mechanics

1. Rewards Program Eligibility
   Only Cardholders whose Accounts are in current and active status and who have a Go Rewards Account membership can participate in the Program. The Bank reserves the right to suspend the participation in the Program of a Cardholder with delinquent or dormant Account status or who ceases to be enrolled as a member.
2. Go Rewards Points Accumulation
   1. The Cardholder must ensure that his/her Card is linked to his Go Rewards Account to ensure that Go Rewards Points earned or accumulated are reflected in the Go Rewards app and/or statement of account.
   2. Below is the spend requirement to earn Go Rewards Points per card type:

      Card Type	Spend Requirement on VISA/Bancnet and equivalent Go Rewards Points
      UnionBank Go Rewards Visa Debit Card	Php 400.00 Spend = 1 Go Rewards Point
      UnionBank Go Rewards Gold Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point
      UnionBank Go Rewards Platinum Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in RRHI = 1 Go Rewards Point
      UnionBank Cebu Pacific Gold Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in Cebu Pacific = 1 Go Rewards Point
      UnionBank Cebu Pacific Platinum Visa Credit Card	Php 200.00 Spend = 1 Go Rewards Point Php 100.00 Spend in Cebu Pacific = 1 Go Rewards Point

   3. The following Transactions will earn Go Rewards Points under this Program:
      1. all POS-based purchases and/or online payments made to establishments including but not limited to gasoline stations, online purchases, drugstores, and supermarkets; and
      2. all PIN-based Transactions routed via Bancnet/Megalink made to establishments including but not limited to gasoline stations, online purchases, drugstores, and supermarkets.
   4. The following Transactions will not earn Go Rewards Points under this Program and will be excluded in the computation of Go Rewards Points:
      1. fees and charges
         1. Annual fee(s)
         2. ATM withdrawals
         3. Automatic Debit Arrangements (ADAs)
         4. Additional Account Fees and Charges assessed by the Bank (such as Interest and late charges, cash advance and cash advance fees, and/or overlimit fees)
      2. business transactions such as:
         1. wholesale purchases - in warehouse clubs, online wholesale stores and other similar merchants;
         2. fleet purchases – involving fuel, service, consumables, and other expenses related to the maintenance of vehicles for commercial purposes;
         3. distribution-related purchases – pharmaceuticals, consumer goods, dealers, networking or multi-level marketing
         4. other purchases that may be deemed as business transactions
      3. gaming transactions
      4. bills payment
   5. Cardholders can also earn Go Rewards Points from Transactions with Go Rewards partners. For more details on the specific mechanics for earning Go Rewards Points with Go Rewards partners, please refer to the terms and conditions published in the Go Rewards microsite (https://www.gorewards.com.ph/terms-and-conditions).
      This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.
3. Redemption
   1. All Go Rewards Points earned by the Cardholder will automatically be credited to the Cardholder’s Go Rewards Account at the beginning of each succeeding month for Debit Cardholders and 3-5 banking days from statement date for Credit Cardholders.
   2. Go Rewards Points will be credited to the Cardholder’s Go Rewards Account and may only be used inside the Go Rewards Program.
   3. For more details on the specific mechanics for redeeming points with Go Rewards partners, please refer to the terms and conditions published in the Go Rewards microsite (https://www.gorewards.com.ph/terms-and-conditions).
      This page may include external link(s) to third-party websites that are not owned, operated, or controlled by UnionBank. UnionBank is not responsible for their content, security, or privacy practices. By clicking on the external link, you acknowledge that you are leaving UnionBank’s website, and that any interactions with these third-party websites are solely at your own risk.
4. General Policies
   1. All eligible Cardholders are qualified to earn Go Rewards Points. Go Rewards Points earned via Transactions using supplementary cards will be credited to the principal credit Cardholder’s Account.
   2. Go Rewards Points are computed on a per transaction basis. No partial points awarding is allowed.
   3. Go Rewards Points may not be converted to cash, annual fee payments, or used to buy load, pay bills, top-up wallets and transferred to other Accounts and cannot be used to redeem rewards items in the UnionBank Rewards Catalogue.
   4. Go Rewards Points previously earned from Transactions which are later on reversed, cancelled or disputed by either the Cardholder or merchant, or for which a refund is claimed by the Cardholder or otherwise subject to a refund by the merchant will be reversed or adjusted accordingly.
   5. The Cardholder understands that the Bank and/or DAVI may:
      • adjust Go Rewards Points reflected in the Cardholder’s Account in case of errors in points computation, system downtime, and other unforeseen factors;
      • forfeit Go Rewards Points if, in the Bank’s reasonable determination:
        • the Cardholder has violated the Bank’s Terms and Conditions or this Program; and/or
        • the Cardholder has abused or committed fraud in the earning of Go Rewards Points under this Program or in its redemption;
      • charge/bill the Cardholder the amount of forfeitable Go Rewards Points already redeemed or used by the Cardholder as penalty for abusing or violating the terms and conditions of this Program.
   6. The Cardholder must report any dispute regarding Go Rewards Points earned within thirty (30) days from receipt. Otherwise, the same is considered true and correct. Concerns related to the Go Rewards Account or app such as merging, linking, or other membership-related concerns should be reported to DAVI.
   7. The Bank reserves the right to amend, discontinue, terminate the Program or any existing arrangement with its Program/merchant partners by notice posted on UnionBank Online or other channels chosen by the Bank.
   8. The Bank may assign any or all of its rights and obligations under this Program to a third party by giving at least thirty (30) days written notice to the Cardholder prior to the effectivity of such assignment. Any assignment made by the Bank shall not affect in whatever form any of your accrued rights and obligations under this Program.
   9. The Cardholder agrees that by signing this document, his application, maintenance, or continued use of any of the Bank’s products and services shall be his acceptance and agreement to be bound by the provisions of the Bank’s Data Privacy Statement (DPS) found at https://www.unionbankph.com/privacy-security.
   10. The Cardholder agrees to authorize the Bank to collect, use, and share Personal Data (as defined under the Data Privacy Law of 2012 and its implementing rules and regulations), customer data, and account or transaction information or records (collectively, the “Information”) provided, and where permitted by law, to share it with: (i) Aboitiz Construction, Inc.; Aboitiz Equity Ventures; and the Bank, including their respective subsidiaries and affiliates (collectively, the “Aboitiz Group”) for cross-selling and for the following purposes: (a) purposes as set out in the DPS in force; (b) to identify and inform the Cardholder of products and services provided by the Aboitiz Group that may be of interest to the Cardholder; (c) for compliance to any law, regulations, government requirement, treaty, agreement, policy or as required by or for the purpose of any court legal process, examination, inquiry, audit, or investigation of any authority. This applies notwithstanding any non-disclosure agreement.
   11. For any concerns other than Go Rewards Account or app concerns, a Cardholder may contact the Bank through the channel’s listed below. For social media channels, a representative will get in touch within 24-48 hours from the time the Bank receives the question or concern.

       	UnionBank Go Rewards Visa debit card, UnionBank Go Rewards Gold Visa credit card, and UnionBank Cebu Pacific Gold Visa credit card	UnionBank Go Rewards Platinum Visa credit card and UnionBank Cebu Pacific Platinum Visa Credit card
       Phone	+63 2 8841 8600	+63 2 8631-7528
       E-mail	customer.service@unionbankph.com	platinum@unionbankph.com

       • Facebook Messenger: m.me/unionbankph.com
       • Twitter: twitter.com/unionbankph

       In the event that a Cardholder’s concern requires an investigation, the Cardholder agrees to provide the Bank with all information required, and consent to the use and processing of the information provides, to enable the Bank to expediently address the concern. The Cardholder also allows the Bank to disclose information provided to third parties, if necessary for the purpose of addressing the concern. 

       UnionBank of the Philippines is an entity regulated by the BSP. The BSP’s contact details are as follows:

       BSP Online Buddy (BOB) webchat: https://www.bsp.gov.ph

       SMS: 21582277 (for Globe subscribers only)

       Facebook Messenger: @BangkoSentralngPilipinas