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

• Enjoy a FREE Classic Caesar Salad when you use your Racks VISA Card the first time with a minimum purchase of P800 at any Racks branch
• Get these dishes FREE when you dine at any Racks branch using your Racks VISA Card.

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 supported by VISA 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.

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.

Cebu Pacific Credit Cards Rewards Program Terms and Conditions

REWARDS PROGRAM

ELIGIBILITY

Only Cebu Pacific Credit Cardholders whose accounts are in current and active status can earn Go Rewards Points.

GO REWARDS POINTS ACCUMULATION

1. Below is the spend requirement to earn 1 Go Rewards Point:

   Spend Type	Spend Requirement to Earn 1 Go Rewards Point
   Spend in Cebu Pacific	P100 = 1 Go Rewards Point
   All other spend (excluding Cebu Pacific)	P200 = 1 Go Rewards Point

2. All purchases at or payments to establishments including but not limited to gasoline stations, online purchases, drugstores and supermarket are eligible to earn Go Rewards Points.
3. The following transactions are not included in the computation of earned Go Rewards points:
1. Fees & charges
1. Annual fee(s)
2. Interest & late charges
3. Cash advance fee
4. Overlimit fee
2. Purchases for business transactions such as:
1. Wholesale – warehouse clubs, online wholesale stores and similar merchants
2. Fleet – fuel, service, consumables and other expenses related to the maintenance of vehicles for commercial purposes
3. Distribution - pharmaceuticals, consumer goods, dealers, networking or multi-level marketing.
4. Other purchases that may be deemed as business transactions
3. Gaming transactions
4. Recurring bills enrolled in Bills Manager
4. Go Rewards Points accrue in the principal Cardholder's name only but points may also be earned through supplementary card usage.
5. Points earned on the Principal Cardholder’s Account are non-transferrable.
6. Points earned on other UnionBank Credit Card accounts under the same Cardholder’s name cannot be used or combined for redemption.
7. Go Rewards Points earned shall not expire for as long as the account remains current and active.
8. Go Rewards Points are computed on a per transaction basis. No partial points awarding is allowed.
9. Go Rewards Points earned cannot be converted to cash or be used to redeem Reward items in the UnionBank Rewards Catalogue.
10. Go Rewards Points will be reversed for cancelled or disputed purchases.
11. UnionBank reserves the right to forfeit the Go Rewards Points if determined that the cardholder has abused or violated the provisions stated in this terms & conditions.
12. UnionBank may at any time, amend the terms and conditions stated herein.

REDEMPTION

1. All Points earned on the Principal Cardholder’s account will automatically be credited to the Cardholder’s Go Rewards account at the end of every cycle.
2. As all points will be credited to Cardholder’s Go Rewards account, Go Rewards Points can only be used to redeem rewards in the Go Rewards Program.

GENERAL POLICIES

1. A dispute on the number of Go Rewards Points reflected on the Cardholder's billing should be reported within 30 days upon receipt of the billing. Otherwise, the same is considered true and correct.
2. Only Principal Cardholders can exercise the right of redemption for Go Rewards Points earned through supplementary card usage.
3. UnionBank Credit Cards reserves the right, without need of any prior notice, to terminate the Rewards Program component of the Cebu Pacific Credit Card.
4. UnionBank Credit Cards reserves the right to discontinue or terminate any existing arrangement with program / merchant partners for the redemption of points, without need of prior notice.
5. In the event of closure, expiry, renewal, or replacement of my Card or Card Account with the Bank, I understand and agree that my membership in the Go Rewards Program will continue to remain active unless directly cancelled with Data Analytics Ventures Inc.

Cebu Pacific Credit Cards Rewards Program Terms and Conditions

REWARDS PROGRAM

ELIGIBILITY

Only Cebu Pacific Credit Cardholders whose accounts are in current and active status can earn Go Rewards Points.

GO REWARDS POINTS ACCUMULATION

1. Below is the spend requirement to earn 1 Go Rewards Point:

   Spend Type	Spend Requirement to Earn 1 Go Rewards Point
   Spend in Cebu Pacific	P100 = 1 Go Rewards Point
   All other spend (excluding Cebu Pacific)	P200 = 1 Go Rewards Point

2. All purchases at or payments to establishments including but not limited to gasoline stations, online purchases, drugstores and supermarket are eligible to earn Go Rewards Points.
3. The following transactions are not included in the computation of earned Go Rewards points:
   1. Fees & charges
      1. Annual fee(s)
      2. Interest & late charges
      3. Cash advance fee
      4. Overlimit fee
   2. Purchases for business transactions such as:
      1. Wholesale – warehouse clubs, online wholesale stores and similar merchants
      2. Fleet – fuel, service, consumables and other expenses related to the maintenance of vehicles for commercial purposes
      3. Distribution - pharmaceuticals, consumer goods, dealers, networking or multi-level marketing.
      4. Other purchases that may be deemed as business transactions
   3. Gaming transactions
   4. Recurring bills enrolled in Bills Manager
4. Go Rewards Points accrue in the principal Cardholder's name only but points may also be earned through supplementary card usage.
5. Points earned on the Principal Cardholder’s Account are non-transferrable.
6. Points earned on other UnionBank Credit Card accounts under the same Cardholder’s name cannot be used or combined for redemption.
7. Go Rewards Points earned shall not expire for as long as the account remains current and active.
8. Go Rewards Points are computed on a per transaction basis. No partial points awarding is allowed.
9. Go Rewards Points earned cannot be converted to cash or be used to redeem Reward items in the UnionBank Rewards Catalogue.
10. Go Rewards Points will be reversed for cancelled or disputed purchases.
11. UnionBank reserves the right to forfeit the Go Rewards Points if determined that the cardholder has abused or violated the provisions stated in this terms & conditions.
12. UnionBank may at any time, amend the terms and conditions stated herein.

REDEMPTION

1. All Points earned on the Principal Cardholder’s account will automatically be credited to the Cardholder’s Go Rewards account at the end of every cycle.
2. As all points will be credited to Cardholder’s Go Rewards account, Go Rewards Points can only be used to redeem rewards in the Go Rewards Program.

GENERAL POLICIES

1. A dispute on the number of Go Rewards Points reflected on the Cardholder's billing should be reported within 30 days upon receipt of the billing. Otherwise, the same is considered true and correct.
2. Only Principal Cardholders can exercise the right of redemption for Go Rewards Points earned through supplementary card usage.
3. UnionBank Credit Cards reserves the right, without need of any prior notice, to terminate the Rewards Program component of the Cebu Pacific Credit Card.
4. UnionBank Credit Cards reserves the right to discontinue or terminate any existing arrangement with program / merchant partners for the redemption of points, without need of prior notice.
5. In the event of closure, expiry, renewal, or replacement of my Card or Card Account with the Bank, I understand and agree that my membership in the Go Rewards Program will continue to remain active unless directly cancelled with Data Analytics Ventures Inc.