Your First Step into Building Credit: The UnionBank Visa Platinum Credit Card
Why This Beginner-Friendly Card Belongs in Your Wallet
If you’re looking for a beginner-friendly credit card to earn points, start your credit journey, or you’re an expat settling into life in the Philippines and still figuring out how local banking works—this is for you.
The UnionBank Visa Platinum Credit Card is one of the best entry-level cards in the Philippines. Whether you’re building credit, planning your next getaway, or just want a card that integrates seamlessly with modern digital banking, this card makes a smart, rewarding choice.
Why the UnionBank Visa Platinum Is a Great First Card
Most starter credit cards come with limited features—but UnionBank’s Visa Platinum goes above and beyond.
Here’s why it stands out:
✅ Earn Rewards on Everyday Spending
Your daily life = more points.
Earn 1 point for every PHP30 spend—whether it’s groceries, Grab, online shopping, or food delivery.
Get 3X points when you shop and dine locally or abroad.
Redeem points for cash credits, miles, gadgets, travel items, and more.
Points never expire—so you can accumulate them stress-free.
- Plus, some featured UnionBank merchant partners include:
Two Seasons Hotel, The Farm at San Benito, Power Mac Center, Beyond the Box, Blue Marina Boracay, ABACA Group, The Bistro Group, and more!
✅ Low Annual Income Requirement
No need to be a CEO to get approved. Whether you’re a young professional, freelancer, or first-time credit cardholder, the UnionBank Visa Platinum makes it easy to get started.
✅ First Year Annual Fee Waived
You get your first year for free—no strings attached.
✅ UnionBank PayEasy Installment Program
Enjoy life’s treats now and pay later. With PayEasy, you can split big purchases into 0% installments for up to 36 months (upon approval).
UnionBank’s Mobile App: Top-Tier Digital Banking
One of this card’s biggest advantages? UnionBank’s mobile app is one of the best in the Philippines.
I have accounts in BPI, Metrobank, and PNB—but UnionBank’s app is by far the smoothest. It’s fast, beautifully designed, and secure. I’ve had a savings account with them for 4 years and have never experienced any cyber attack issue.
As someone who travels often, having a reliable banking app is non-negotiable. I want full control of my finances without wasting time at a branch—and this app delivers.
Here’s what you’ll love:
Real-time alerts for every transaction
Spending breakdowns that help you stay mindful
Card lock/unlock feature for instant security
One-tap payments and transfers
Live credit usage tracking
If you’re still new to credit cards, the app makes everything easier—from checking your balance to paying your bill. It’s intuitive and beginner-friendly.
Why I Recommend It
As someone who values easy, stress-free banking—and being rewarded for the way I already spend—this card is aligned with my lifestyle: mindful, intentional, and travel-focused.
The UnionBank Visa Platinum gives you a clean, simple path to building credit without the overwhelm. It is straightforward and not complicated to use.
Ready to Start Your Credit Journey?
👉 You can apply for the UnionBank Visa Platinum Credit Card here.
Application is quick, and the rewards speak for themselves—even for an entry-level card.
You don’t need to be a credit card expert or frequent flyer to get real value. If you’re an expat living in the Philippines, or simply someone looking for a solid, beginner-friendly credit card that offers lifestyle perks and digital ease—the UnionBank Visa Platinum is a strong choice.
It’s not about spending more. It’s about spending smarter.
Transparency Disclosure:
Some articles on this website may contain referral or affiliate links. If you choose to apply for a product or make a purchase through these links, I may receive a referral benefit or commission. This does not affect the price you pay or the terms of the offer. All opinions and recommendations are based on personal experience or independent research.
