Owning a credit card comes with perksârewards, convenience, a good credit score… and, unfortunately, that annual fee.
But what if we told you thereâs a way to skip the fee and still enjoy the benefits?
Filipino spenders are switching to cards that offer points, flexibility, and lifestyle rewards – without the yearly cost. And the best part? It doesnât take much.
đĄ What Youâre Actually Paying For
Many people think annual fees are unavoidable. But often, youâre paying for benefits you donât useâand missing out on better options that cost nothing when used smartly.
đ„ Hereâs the Smarter Alternative
The UnionBank Rewards Credit Card gives you all the perksâpoints on every spend, flexible redemptions, travel and dining promosâwith no annual fee if you spend just â±20,000 (accumulated or single transaction).
Thatâs basically your monthly groceries, a Grab subscription, and maybe one brunch. Thatâs it. You qualify. No fee. Full perks.
đŹ Real Talk: What You Could Get Instead of Paying a Fee
Letâs say youâre paying â±1,500ââ±3,000 annually on your current card. Hereâs what that could buy you instead:
- đŁ 3 full sushi dates
- đ A grocery top-up
- đ Points turned into Lazada or Shopee credits
- 𧳠Travel perks and discounts
So why pay the fee when you can earn rewards and keep your money?
â Who Is This Perfect For?
- Young professionals watching their budgets
- Frequent spenders who rack up â±20,000+ a month anyway
- Online shoppers who use credit for flexibility
- Loyal diners and weekend adventurers
If this sounds like you, congratulationsâyouâre already qualified. You just havenât made the switch yet.
đž Get the Rewards, Skip the Fee
The UnionBank Rewards Credit Card is designed for savvy spenders who want their money to work harder. No gimmicks. No annual fee (just meet the â±20k spend). Just real value.
Why pay more for less?
Make the switch to a credit card that rewards youâ without charging you for it. Apply for the UnionBank Rewards Card Today!
Terms and conditions apply. Read full offer conditions here.