Cebu Pacific Gold Credit Card®

About credit card

Users of the Cebu Pacific Gold credit card can earn Go reward points which they can use to fly for free on Cebu Pacific. There are also other useful perks associated with this card.

Features

• Online access. card users can have access to their accounts online from anywhere and at any time.
• Car insurance. Users can get 12 monthly installments at 0% interest and at a low price.
• Longer credit terms. Users can enjoy 53 days credit at 0% interest if full balance is paid.
• Credit life insurance. Card users get as much as ₱400,000 in credit and cash in the event of a user's or family member's death. The same insurance covers permanent disability. If a user suffers temporary disability, they're entitled to 5% of their balance or ₱500 (whichever is higher) for the first 12 months of disability until 60 years of age.
• Auto-charge. Users can automatically pay bills with the Cebu Pacific gold credit card.

Pros and cons

Below are some ups and drawbacks of the card:

Pros

• Users can earn rewards and fly for free through Cebu Pacific.
• Users have access to instant credit in case of fatal events through the card’s insurance policy.

Cons 

• The users are accountable for very high interest surcharges once the free credit period is over.
• The application process is slow.

How to apply for a Cebu Pacific Gold Credit Card®?

If you are interested in a Cebu Pacific gold credit card, you can apply through the steps given below:

1. Visit the Union Bank official website.
2. Go down and click on Cards. Click on Credit card.
3. Go up and click on See cards.
4. Look for and click on Cebu Pacific Gold credit card.
5. Click on Apply now.
6. Select if you have a reference code or not.
7. Choose if you are a Union Bank customer or not, input your account number or your card number if you are.
8. Select Cebu Pacific Gold credit card.
9. Choose if you have a principal card with another bank or not.
10. Select if you have a valid ID and a financial document or not, click on Next when done.
11. Input all the needed data and information and then follow all the onscreen descriptions to complete your application.

Before you apply, please make sure you meet the following requirements:

Eligibility requirements

The applicants must meet these requirements to be eligible for a Cebu Pacific gold credit card:

• Must be aged 18 to 70 years.
• Must have a minimum annual income of ₱360,000.

Documentary requirements

These are generally required documents from an applicant for a Cebu Pacific gold credit card:

1. Proof of identity. The applicant will be required to provide a government-issued ID with photo and signature.
2. Proof of income. In order to ensure that the applicant can undertake the financial obligations of the card, they are required to provide one of the following:
• Income Tax Return or Certificate of Compensation Payment and Tax Withheld or similar documents.
• Certificate of Employment or Employment Contract.