CREDIT CARD UNIONBANK FEES: Here’s A Full List of the Fees & Charges
CREDIT CARD UNIONBANK FEES – Here is a full list of the fees and charges for the UnionBank credit cards.
Among the banks in the Philippines that offer credit cards is the UnionBank. It offers different types of UnionBank credit cards with specific features and purposes.
You may apply for a credit card intended for business, for charity, for rewards, or for other purposes. Surely, there is a perfect card for you which will suit your needs and what you want.
There are a lot of benefits in having a credit card as long as you know its rightful purpose. It can aid you best during emergency situations like hospitalization or when you ran out of cash before payday.
You may also use a credit card to go for cashless shopping so you won’t have to be bothered by the amount of cash inside your bag. It can also be used for big purchases you wish to pay in installment.
With regards to having a credit card, there are fees and charges that you have to pay for. Meanwhile, you also get rewards and certain stores give discounts when using a credit card.
Based on the official website of Unionbank, here is a full list of the credit card UnionBank fees and charges:
CREDIT CARD UNIONBANK FEES
Principal Annual Fees:
- Branded and Co-Brand/Affinity Cards
- Classic – Php 1,500.00
- Gold – Php 2,500.00
- Branded Cards
- Visa Platinum – Php 3,000.00
- Mastercard Platinum – Php 3,000.00
- Specialty Cards
- Miles+Platinum – Php 3,000.00
- PlayEveryday – Php 1,500.00
- Cebu Pacific GetGo – Php 3,000.00
- Cebu Pacific GetGo Platinum – Php 5,000.00
- Corporate Card – Php 1,500.00
Supplementary Annual Fees:
- Branded and Co-Brand/Affinity Cards
- Classic – Php 750.00
- Gold – Php 1,250.00
- Branded Cards
- Visa Platinum – Php 1,500.00
- Mastercard Platinum – Php 1,500.00
- Specialty Cards
- Miles+Platinum – Php 1,500.00
- PlayEveryday – Php 750.00
- Cebu Pacific GetGo – Php 1,500.00
- Cebu Pacific GetGo Platinum – Php 2,500.00
- Corporate Card – N/A
Annual Expense Management Report Fee
- Corporate Card – Php 200.00
Finance Charge
The Finance Charge is 3.5% Monthly Effective Interest Rate (EIR). The computation is based on the average balance in your card daily. Minimum amount payment based on the billing will lead to interest or charges.
Late Payment Charge – Php 750.00
Cash Advance Service Fee
The Cash Advance Service Fee is whichever is higher between Php 300.000 or 6% of the amount of transaction. There would be an additional of Php 500.00 if done over the counter.
For Corporate Cards, the cash advance fee would be 2.9% of the transaction amount.
Overlimit Fee
When there is an excess on the transaction limit, Php 500.00 is automatically charged to the cardholder on the cycle date.
Sale Slip Retrieval Fee
Php 200.00 per transaction slip requested
Returned Check Fee
Php 1,500 per returned check
Dispute Fee
Php 1,000 per valid dispute case
Refund Fee
The refund fee is Php 50.00. It includes the cost of processing of a refund request in Manager’s Check due to the overpayment of a cardholder.
Pre-Termination Fee
This is applied to all pre-terminated Installment Transactions. The fee would be whichever is higher between Php 500.00 or 5% of the remaining principal balance.
Service Fee for Foreign Currency Transactions
Based on the bank info, all currencies are automatically converted to Philippine Peso on posting date.
- Classic and Gold Cards: 3% Fee
- Platinum Cards: 2% Fee
Thank you for visiting our website. We hope we have helped you with regards to your inquiry on the fees and charges of UnionBank Credit Card. You may keep coming back for more informative guides.