How to Get a UnionBank Gold Visa Credit Card

Sometimes, shopping can be a very limiting experience. You know you want something but you just don’t have the budget to buy it now. Fortunately, the UnionBank Gold Visa Credit Card has the solution.

With the UnionBank Gold Visa Credit Card, you enjoy exclusive privileges and access to a wide range of financial services. Shopping online or at your favorite stores will never be this easy with this amazing credit card.

Find out how you can get a UnionBank Gold Visa Credit Card by reading this article.

  • Providing Exclusive Benefits and Solutions
  • Flexibility at Its Finest
  • Rest Assured That You Are Taken Cared Of
  • See If You Are Eligible for the Card

Providing Exclusive Benefits and Solutions

The UnionBank Gold Visa Credit Card is a card that is meant for people who want to have the convenience of making purchases without carrying cash.

ADVERTISEMENT

It is also a rewards card that allows cardholders to earn points for every purchase that they make which can then be redeemed for different rewards like discounts and other exclusive offers.

There are a lot of exclusive benefits that come with the card such as exclusive offers, discounts when you travel and dine, special events, and many others.

The card also provides its users the most current security features, using EMV chip technology that prevents fraud and identity theft.

ADVERTISEMENT

Earn Rewards and Redeem Them for More

With the UnionBank Gold Visa Credit Card, you can now earn reward points every time you use the card for any purchases. Every time you spend ₱35 using the card, you earn 1 reward point.

Additionally, you also get 1% cash back on every purchase that you make and while it may not be a lot, it is still worth it especially if you use the card on large purchases. You’ll also earn even more reward points when you use the card to shop online or in-store at partner establishments.

Enroll your account in the Rewards Program using the app and you get additional rewards. You can then redeem your points for different rewards by logging in to your account and selecting Rewards and Redeem Now.

ADVERTISEMENT

Flexibility at Its Finest

If you’re a shopper on a tight budget, and you do not want to pay extra for other charges, the UnionBank Gold Visa Credit Card is the right fit for you.

You don’t need to pay the full price when you purchase items using the card. All you need to do is pay the minimum amount upon checkout and you can divide your payment into several months or whichever is more convenient for you.

The best part about this is that this payment option has zero interest, so your budget can stay intact.

The card also features an automatic payment option when you schedule your payments. This helps you save time and you get to pay your monthly dues on time.

Access to UnionBank Online and App

Cardholders can also download the UnionBank app as it is designed to help manage their finances. The app offers direct access to your account as well as viewing balances, making payments, transferring funds, and even setting up automatic payments for your bills.

The app is available to download from the Google Play Store and the Apple App Store. The online portal is available for quick access which allows users an easy way to manage their accounts.

You can view statements and bills as well as pay bills and check balances. You can also check your rewards on both the app and the online portal.

Rest Assured That You Are Taken Care Of

Another great feature when you have the UnionBank Gold Visa Credit Card is its credit life insurance which covers up to ₱400,000 in the event of your untimely death, or temporary, or permanent disability.

This lets you have peace of mind so you and your loved ones won’t have to deal with paying off all of your balances in the event that something happens to you.

This protects your family from the burden of having to carry an outstanding debt from your untimely demise.

It is also guaranteed to be renewable up until the age of 60 as long as you remain a UnionBank credit card holder with a good credit score and your premiums are always paid on time.

Fees and Other Charges

The UnionBank Gold Visa Credit Card has some fees and charges that you need to know about. The card has a ₱2,500 annual fee with a 2% interest rate.

There’s also a fee of ₱1,000 for every late payment that you make. The cash advance fee is ₱200, with an over-limit fee of ₱500. There’s also a foreign transaction fee of 3% when using the card during your travels abroad.

If you do lose your credit card and you want it replaced, you will need to pay a card replacement fee of ₱400. The same fee applies if you need to replace a a damaged card.

Check Your Eligibility

If you’re interested in applying for the card, make sure that you are eligible first to avoid any issues during your application.

To be eligible, you will need to be 21 to 60 years old to apply as the principal holder of the card. You are required to have a minimum monthly income of ₱30,000 and be an existing cardholder.

You will need to present your Tax Identification Number and a Social Security Number as well.

Applying for the Card Is Easy and Accessible

Once you know you are eligible, all you need to do to apply is either head over to the nearest UnionBank branch or log in to your account at the official website.

Select “Apply Now” and fill in the necessary information before submitting it for approval. It will take five to seven business days to receive an update about your approval.

If you have further inquiries, you can contact the bank at (02) 841-8600 or visit their main office located at UnionBank Plaza, Meralco Avenue corner Onyx and Sapphire Roads, Ortigas Center, Pasig City 1605 Metro Manila.

Conclusion

The UnionBank Gold Visa Credit Card is the best choice for anyone looking for an ideal credit card with vast features and benefits. With very low interest rates and a generous rewards program, you have the option to maximize your spending power and get a lot in return.

Note: Perusing a credit card entails certain hazards. It is imperative that you peruse the financial institution’s terms and conditions for further enlightenment.