Installment Program

Enjoy the way life should be. The UnionBank Credit Cards' Lights Installment Program makes life’s little luxuries a necessity for you with a payment plan that offers up to 36 monthly installment terms at 0% interest.

 

So get that home TV theater, splurge on a branded watch, take that long-deserved trip. Any single or combined minimum purchase of P3,000 or higher, depending on Partners’ conditions, entitles you to enjoy these life’s little luxuries.

0% interest is applicable on selected items and on selected monthly payment terms only. It is valid if monthly amortization is paid in full. Minimum transaction to qualify for installment is P3,000.

Participating establishment partners:

 

Promo Mechanics:

  1. The promo is open to all UnionBank Credit Cardholders in active status and with good credit standing*.
  2. Cardholder can enjoy 0% interest in various partner establishments using their UnionBank Credit Card. Please see above for list of installment partners. For SM Retail and Affiliates, the 0% interest offer is applicable to selected branches.
  3. Offer is applicable on selected items only and may differ on product models per establishment.
  4. Applicable installment terms vary per partner establishment.
  5. The minimum transaction amount for installment is P3,000 or higher, depending on partner establishment’s conditions.
  6. The 0% interest is subject to bank approval and valid if monthly installment amount is paid in full. Each monthly installment amount forms part of the Minimum Amount Due on cardholder’s Statement of Account for the month.
  7. All transactions are subject to UnionBank’s credit authorization criteria upon purchase of items.
  8. UnionBank Installment Program Terms and Conditions shall apply.
  9. In case of pre-termination or cancellation of the UnionBank Installment, the cardholder shall be liable to pay in full the unpaid principal balance of the Total Amount Payable plus interest accrued from statement date to loan closure date and a cancellation processing fee amounting to 5% of the remaining principal balance or P500 whichever is higher.
  10. Promo period is until December 31, 2017.

* Cardholders in good credit standing are those whose accounts are not delinquent, not under investigation due to suspected fraudulent activities, those whose UnionBank Credit Cards are not reported lost or stolen, and those who have not, otherwise, violated any of the Terms and Conditions Governing the Issuance and Use of UnionBank Credit Cards.

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Fees and Charges

Here are the applicable fees and charges on your credit card.

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

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

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

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




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

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

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

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




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

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

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

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




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

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

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

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




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

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

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




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

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

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




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

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

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




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

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

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




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