Owning a credit card comes with perksārewards, convenience, a good credit score… and, unfortunately, that annual fee.
But what if we told you thereās 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 doesnāt take much.
š” What Youāre Actually Paying For
Many people think annual fees are unavoidable. But often, youāre paying for benefits you donāt useāand missing out on better options that cost nothing when used smartly.
š„ Hereās the Smarter Alternative
The UnionBank Rewards Credit Card gives you all the perksāpoints on every spend, flexible redemptions, travel and dining promosāwith no annual fee if you spend just ā±20,000 (accumulated or single transaction).
Thatās basically your monthly groceries, a Grab subscription, and maybe one brunch. Thatās it. You qualify. No fee. Full perks.
š¬ Real Talk: What You Could Get Instead of Paying a Fee
Letās say youāre paying ā±1,500āā±3,000 annually on your current card. Hereās what that could buy you instead:
- š£ 3 full sushi dates
- š A grocery top-up
- š Points turned into Lazada or Shopee credits
- š§³ Travel perks and discounts
So why pay the fee when you can earn rewards and keep your money?
ā Who Is This Perfect For?
- Young professionals watching their budgets
- Frequent spenders who rack up ā±20,000+ a month anyway
- Online shoppers who use credit for flexibility
- Loyal diners and weekend adventurers
If this sounds like you, congratulationsāyouāre already qualified. You just havenāt made the switch yet.
šø 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 ā±20k spend). Just real value.
Why pay more for less?
Make the switch to a credit card that rewards youā without charging you for it. Apply for the UnionBank Rewards Card Today!
Terms and conditions apply. Read full offer conditions here.