Thumbnail Description Featured Description More Description Column 1 More Description Column 2 Benefits Description Additional Description
UnionBank Shell Power Visa Platinum UnionBank Shell Power Visa Platinum Up to 5% rebate on Shell fuel, tollway load and auto repair services Earn up to 5% rebate on Shell fuel, tollway load and auto repair services, maintenance and accessories.
UnionBank Reserve World Elite Mastercard UnionBank Reserve World Elite Mastercard Never-expiring points Earn 1 point for every PHP30 spend and earn 5x points on dining, online shopping, and foreign currency spend here and abroad.
UnionBank Cash Back Titanium Mastercard UnionBank Cash Back  Titanium Mastercard Up to 6% Cash Back Get up to 6% rebates on supermarket purchases.
UnionBank Cash Back Visa Platinum Credit Card UnionBank Cash Back Visa Platinum Credit Card Up to 6% Cash Back Get up to 6% rebates on supermarket purchases.
UnionBank Reserve Visa Infinite Credit Card UnionBank Reserve Visa Infinite Credit Card Never-expiring points Earn 1 point for every PHP30 spend and earn 5x points on dining, online shopping, and foreign currency spend here and abroad.
UnionBank Miles+ World Mastercard UnionBank Miles+ World Mastercard Earn Fast Earn 1 mile for every PHP30 spend.
UnionBank Rewards Platinum Mastercard UnionBank Rewards Platinum Mastercard Make every purchase rewarding Earn 1 point for every PHP30 spend.
UnionBank Miles+ Visa Signature Credit Card UnionBank Miles+ Visa Signature Earn Fast Earn 1 mile for every PHP30 spend.
UnionBank Rewards Visa Platinum Credit Card 2023 UB Card Cash Back No Name MC.png 2023 UB Card Cash Back No Name Visa.png 2023 UB Card Miles No Name MC.png 2023 UB Card Miles No Name Visa.png 2023 UB Card Reserve No Name MC.png 2023 UB Card Reserve No Name Visa.png 2023 UB Card Rewards No Name MC.png 2023 UB Card Rewards No Name Visa.png Make every purchase rewarding Earn 1 point for every PHP30 spend.
Go Rewards Platinum Visa Credit Card Go Rewards Platinum Visa Credit Card

Earn Go Rewards points and use these to pay when you shop at your favorite Robinsons Retail brands.

Earn points anytime, anywhere - wherever Visa is accepted. Php 200 = 1 Go Rewards Point. 1 Go Rewards Point = PHP1.00

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:

Card Type Features and Benefits
UnionBank Go Rewards Visa Debit Card · No maintaining balance or initial deposit required
· No cap on earning of Go Rewards Points
· Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
· Send money to remittance centers via UnionBank Online
· Deposit to any UnionBank branch, 7-Eleven, PetNet, and 8,000 ECPay partners nationwide
· Interest earning savings account
UnionBank Go Rewards Gold Visa Credit Card · Automatic upgrade to Go Rewards Black Status*
· No cap on earning of Go Rewards Points
· Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
· Early alerts to Go Rewards sale events and Cebu Pacific seat sales
UnionBank Cebu Pacific Gold Visa Credit Card
UnionBank Go Rewards Platinum Visa Credit Card · Automatic upgrade to Go Rewards Black Status*
· No caps on earning of Go Rewards Points
· Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
· Early alerts to Go Rewards sale events and Cebu Pacific seat sales
· Free travel insurance up to 10M
· Complimentary airport lounge access
UnionBank Cebu Pacific Platinum Visa Credit Card

*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).

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.

Card Type Annual Fee
UnionBank Go Rewards Visa Debit Card Php 500.00
UnionBank Go Rewards Gold Visa Credit Card Php 3,000 (principal)
Php 1,500 (supplementary)
UnionBank Cebu Pacific Gold Visa Credit Card
UnionBank Go Rewards Platinum Visa Credit Card Php 5,000 (principal)
Php 2,500 (supplementary)
UnionBank Cebu Pacific Platinum Visa Credit Card

 

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

Card Type No Transaction Penalty Dormancy Charge
UnionBank Go Rewards Visa Debit Card Php 200.00 per month starting on the end of the 12th month of inactivity until the account becomes dormant Php 500.00 per month starting on the end of the 24th month of inactivity

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).

 

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).

 

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 Gold Visa Credit Card Go Rewards Gold Visa Credit Card

Earn Go Rewards points and use these to pay when you shop at your favorite Robinsons Retail brands.

Earn points anytime, anywhere - wherever Visa is accepted Php 200 = 1 Go Rewards Point

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:

Card Type Features and Benefits
UnionBank Go Rewards Visa Debit Card · No maintaining balance or initial deposit required
· No cap on earning of Go Rewards Points
· Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
· Send money to remittance centers via UnionBank Online
· Deposit to any UnionBank branch, 7-Eleven, PetNet, and 8,000 ECPay partners nationwide
· Interest earning savings account
UnionBank Go Rewards Gold Visa Credit Card · Automatic upgrade to Go Rewards Black Status*
· No cap on earning of Go Rewards Points
· Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
· Early alerts to Go Rewards sale events and Cebu Pacific seat sales
UnionBank Cebu Pacific Gold Visa Credit Card
UnionBank Go Rewards Platinum Visa Credit Card · Automatic upgrade to Go Rewards Black Status*
· No caps on earning of Go Rewards Points
· Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
· Early alerts to Go Rewards sale events and Cebu Pacific seat sales
· Free travel insurance up to 10M
· Complimentary airport lounge access
UnionBank Cebu Pacific Platinum Visa Credit Card

*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).

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.

Card Type Annual Fee
UnionBank Go Rewards Visa Debit Card Php 500.00
UnionBank Go Rewards Gold Visa Credit Card Php 3,000 (principal)
Php 1,500 (supplementary)
UnionBank Cebu Pacific Gold Visa Credit Card
UnionBank Go Rewards Platinum Visa Credit Card Php 5,000 (principal)
Php 2,500 (supplementary)
UnionBank Cebu Pacific Platinum Visa Credit Card

 

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

Card Type No Transaction Penalty Dormancy Charge
UnionBank Go Rewards Visa Debit Card Php 200.00 per month starting on the end of the 12th month of inactivity until the account becomes dormant Php 500.00 per month starting on the end of the 24th month of inactivity

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).

 

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).

 

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

Assumption Alumni Association Visa Card assumption alumni card design

Support the Assumption Alumni Associations projects and programs helping various communities

Explore a variety of credit cards from UnionBank of the Philippines. We have a rich selection of options for different needs!

50% of your annual fee
UnionBank Lazada Credit Card Savings on your Lazada purchases Every PHP200 spend at Lazada, gets you PHP6 Lazada Credits and every PHP200 spend on all other merchants, gets you PHP1 Lazada Credits.
De La Salle Alumni Visa Card

Support all De La Salle Alumni  education, healthcare, livelihood, heritage and commemorative projects.

50% of your Annual Fee
La Salle Greenhills Visa Card

Support La Salle Greenhills education, healthcare, livelihood, heritage and commemorative projects.

50% of your Annual Fee
PlayEveryday Earn points from your purchases and more

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

Philippine Academy of Ophthalmology

Enjoy 3 and 6 month instalment terms at 0% interest for all fees and charges.

50% of your annual fee
Alpha Phi Omega Visa Card

Prove your loyalty to the Alpha Phi Omega by applying for their first official VISA Card.

As a member of Alpha Phi Omega, you have the chance to make a difference in the world, build strong bonds with fellow members and contribute to the greater good of those around you.

With the Alpha Phi Omega Visa Card, you can do just this, as the following will be donated to the APO National Administrative Office on your behalf:

50% of your Annual Fee
World Wide Fund Visa Card

Help the World Wide Fund and its projects with a Visa Card dedicated to those willing to make a difference.

50% of your Annual Fee
Couples for Christ Foundation for Family and Life Visa Card

Support the Couples for Christ Foundation for Family and Life.

50% of your Annual Fee
Southwestern University Alumni Foundation Visa Card

Help support the Southwestern University Alumni Foundation’s projects and programs.

50% of your annual fee
Ateneo Alumni Association Visa Card

Support all Ateneo Alumni Association's education, healthcare, livelihood, heritage and commemorative projects.

The Ateneo Alumni Association Visa Credit Card is one credit card every blue eagle should have.

This is your chance to give back and fund numerous projects of the Ateneo and of the Ateneo Alumni Association such as the Order of the Blue Eagles and Tulong Dunong.

It is also one of the few credit cards honored by Ateneo de Manila University for tuition fee payments via a straight or installment transaction.

Live the Atenean Spirit and continue the One Big Fight.

50% of your Annual Fee
University of the Philippines Alumni Association Visa Card

Support all UP Alumni Association's education, healthcare, livelihood, heritage and commemorative projects.

50% of your Annual Fee
Don Bosco Alumni Association Visa Card

Share various benefits with other Don Bosco alumni with the official Alumni Association Visa Card.

The Don Bosco Alumni Credit Card is a unique and convenient way of sharing with the less fortunate the benefits of a Don Bosco education.

As a Don Bosco Alumni Credit Cardholder, you will be able to support the scholarship programs of your National Federation, your outreach services, and your local chapter, as the following will automatically be donated on your behalf:

  • 50% of your Annual Fee
  • 0.5% of your spending at retail establishments
  • 1% of the interest on your revolved balance

As a Don Bosco Alumni Credit Cardholder, you also automatically become a paid member of the World Confederation of Don Bosco Past Pupils, based in Rome.

The card also serves as the official Alumni ID of an alumnus.

Support scholarship programs of your National Federation
De La Salle - College of Saint Benilde Alumni Association Visa Card

Show your love for De La Salle - College of Saint Benile by sticking to the official Alumni Association VISA Card.

With the DLS-CSBAA Visa Card, you can help support Benildean scholars and student athletes as the following will be donated on your behalf:

  • 50% of your Annual Fee
  • 0.5% of your spending at retail establishments

 

As a Benildean alumni, this is your chance to continue to blaze a trail and make a difference.

Support Benildean scholars and athletes
Mapfre Insular Visa Card

The card that assures and ensures everything you want in a credit card

Installment Program
Racks Visa Card

Treat yourself to ribs and other great meals with the Racks Visa Card and its many benefits.

Racks is famous for its flame-grilled, falls-off-the-bone ribs. Enjoy the best ribs in town and other dining perks with your Racks Visa Card!

Welcome Treat
  • 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.
Burgoo Visa Card

Bring your family to Burgoo for wholesome bonding moments and great food. Plus, redeem exclusive benefits with your card.

Burgoo is an American family casual dining restaurant that offers quality food, legendary service, value for money, and cleanlines. Enjoy dining privileges at Burgoo and its sister restaurants. It's always a family treat!

Welcome Treat

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.
The North Face Visa Card

Prep the right tools for travelling and everyday with a dedicated Visa Card from The North Face.

 

The North Face is the first choice for performance apparel, equipment, and footwear of the world's most accomplished climbers, mountaineers, endurance runners, and explorers.

Year-round discounts
  • 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.)
Insular Life Visa Card Insular Life Visa Card

Apply for the Insular Life Visa Card today, and enjoy exclusive benefits that help secure your future.

Birthday Privileges

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!

Home Depot Visa Card

Live in the comfort of your dream home with Home Depot’s exclusive benefits.

At CW Home Depot, you can find everything you need to build or renovate your home, all under one roof.

Enjoy special rewards and deals with your Home Depot Visa Card! With the Home Depot Credit Card, you can enjoy these privileges:

Double Zero Deal 0% on your purchase and 0 payment on the first 3 months

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.)
Riviera Golf Club Visa Card

Tee off at Riviera Golf Club with a dedicated Visa Card at par with your needs.

Situated amidst the breathtaking landscape of cool Silang, Cavite, The Riviera is the ideal golf course for all ages and skills.

At 1,000 feet above sea level, The Riviera is both nature’s beauty and a golfer’s dream course. Your Riviera Golf Club Credit Card offers you exclusive benefits.

Pay your annual golf club dues at 0% interest for 12 months
UnionBank Corporate Visa Card UnionBank Corporate Visa Card

Apply for a card that understands what you need for success.

The UnionBank Corporate Card Program is designed to help manage your business and employees’ expenses.

In this program, credit cards are issued to your nominated employees who incur expenses while doing business on your behalf.

These expenses include travel, entertainment, and procurement. The program also provides you access to valuable information to allow you to view and analyze card spend in the program.

Expense Monitoring

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.

Suy Sing Visa Card

Suy Sing Commercial Corporation is the leading one-stop grocery distribution company in the Philippines. Use the Suy Sing Credit Card to enjoy rebates and rewards.

Earn 0.5% rebate on your Suy Sing purchases
UnionBank Gold Visa Card

Get premium travel rewards and more from the UnionBank Gold!

Earn points that never expire PHP35 = 1 Point

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
UnionBank Classic Visa Card

Don't settle for a regular credit card. Enjoy shopping with the fully loaded UnionBank Classic Visa Card.

Auto Bills Payment Automatically charge your utility bills for worry-free payments
UnionBank Gold Mastercard

Experience gold benefits with a Mastercard that gives you 1% CashBack on everything from groceries to big purchases.

Earn unlimited savings 1% cashback on all your purchases
  • 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.

 

UnionBank Platinum Mastercard

Experience platinum benefits with a Mastercard that gives you 1% CashBack on everything from groceries to big purchases.

Earn unlimited savings 1% cashback on all your purchases

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.

 

Cebu Parklane International Hotel Visa Card

Get yourself a Cebu Parklane International Hotel Visa Card and be a VIP.

Cebu Parklane International Hotel allows business and leisure travelers to experience the city’s vibrant and colorful rhythms amidst an exciting backdrop of businesses, shopping, dining and entertainment.

With the Cebu Parklane International Hotel Visa Credit Card, you can:

Welcome Treat

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.
UnionBank Miles+ Platinum Visa Card

Charge your travel expenses to your Miles+ Platinum card and earn the most points from your travel expenses.

PHP 25 = 1 Point Earn Points from everyday spend
Cebu Pacific Gold Credit Card

Your fastest way to fly for free with Cebu Pacific. Earn Go Rewards points with every spend and redeem for free flights!

Earn 1 Go Rewards Point for every P200 spent

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:

Card Type Features and Benefits
UnionBank Go Rewards Visa Debit Card
  • · No maintaining balance or initial deposit required
  • · No cap on earning of Go Rewards Points
  • · Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
  • · Send money to remittance centers via UnionBank Online
  • · Deposit to any UnionBank branch, 7-Eleven, PetNet, and 8,000 ECPay partners nationwide
  • · Interest earning savings account
UnionBank Go Rewards Gold Visa Credit Card
  • · Automatic upgrade to Go Rewards Black Status*
  • · No cap on earning of Go Rewards Points
  • · Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
  • · Early alerts to Go Rewards sale events and Cebu Pacific seat sales
UnionBank Cebu Pacific Gold Visa Credit Card
UnionBank Go Rewards Platinum Visa Credit Card
  • · Automatic upgrade to Go Rewards Black Status*
  • · No caps on earning of Go Rewards Points
  • · Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
  • · Early alerts to Go Rewards sale events and Cebu Pacific seat sales
  • · Free travel insurance up to 10M
  • · Complimentary airport lounge access
UnionBank Cebu Pacific Platinum Visa Credit Card

*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).

 

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.

Card Type Annual Fee
UnionBank Go Rewards Visa Debit Card Php 500.00
UnionBank Go Rewards Gold Visa Credit Card Php 3,000 (principal)
Php 1,500 (supplementary)
UnionBank Cebu Pacific Gold Visa Credit Card
UnionBank Go Rewards Platinum Visa Credit Card Php 5,000 (principal)
Php 2,500 (supplementary)
UnionBank Cebu Pacific Platinum Visa Credit Card

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

Card Type No Transaction Penalty Dormancy Charge
UnionBank Go Rewards Visa Debit Card Php 200.00 per month starting on the end of the 12th month of inactivity until the account becomes dormant Php 500.00 per month starting on the end of the 24th month of inactivity

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).
  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).
  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

Cebu Pacific Platinum Credit Card

Earn Go Rewards points with every spend, plus enjoy exclusive Cebu Pacific benefits and perks.

Earn 1 Go Rewards Point for every P200 spent

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:

Card Type Features and Benefits
UnionBank Go Rewards Visa Debit Card
  • · No maintaining balance or initial deposit required
  • · No cap on earning of Go Rewards Points
  • · Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
  • · Send money to remittance centers via UnionBank Online
  • · Deposit to any UnionBank branch, 7-Eleven, PetNet, and 8,000 ECPay partners nationwide
  • · Interest earning savings account
UnionBank Go Rewards Gold Visa Credit Card
  • · Automatic upgrade to Go Rewards Black Status*
  • · No cap on earning of Go Rewards Points
  • · Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
  • · Early alerts to Go Rewards sale events and Cebu Pacific seat sales
UnionBank Cebu Pacific Gold Visa Credit Card
UnionBank Go Rewards Platinum Visa Credit Card
  • · Automatic upgrade to Go Rewards Black Status*
  • · No caps on earning of Go Rewards Points
  • · Auto-credit of Go Rewards Points to Cardholder’s Go Rewards Account
  • · Early alerts to Go Rewards sale events and Cebu Pacific seat sales
  • · Free travel insurance up to 10M
  • · Complimentary airport lounge access
UnionBank Cebu Pacific Platinum Visa Credit Card

*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).

 

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.

Card Type Annual Fee
UnionBank Go Rewards Visa Debit Card Php 500.00
UnionBank Go Rewards Gold Visa Credit Card Php 3,000 (principal)
Php 1,500 (supplementary)
UnionBank Cebu Pacific Gold Visa Credit Card
UnionBank Go Rewards Platinum Visa Credit Card Php 5,000 (principal)
Php 2,500 (supplementary)
UnionBank Cebu Pacific Platinum Visa Credit Card

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

Card Type No Transaction Penalty Dormancy Charge
UnionBank Go Rewards Visa Debit Card Php 200.00 per month starting on the end of the 12th month of inactivity until the account becomes dormant Php 500.00 per month starting on the end of the 24th month of inactivity

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).
  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).
  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

UnionBank Platinum Visa Card

Receive only the best benefits for you and your loved ones with platinum Visa.

 

Imagine having someone take care of your every need, so you can take care of what matters most to you.

 

Rewards Program Choose from among free business and leisure travel, dining and shopping, cash rebate and other rewards.