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Insular Life Visa Card®
Credit cards

Insular Life Visa Card®

Updated: 18.10.2022

About credit card

With this card, you, according to the bank, ensure the future and livelihood you deserve. With the Insular Life Visa card, you can enjoy the advantage of exceptional perks that will help you protect your future.


Below are some of the features of this card:

  • Reward points. Earn rewards points for every ₱40 spent on your card. These points can be converted into cash refunds, free petrol, free plane tickets, and free shopping and eating. Visit Union Bank website for a comprehensive list of reward products, point criteria, and terms and conditions.
  • Good payment plan. This is a payment plan with 0% interest for up to 36 monthly installments. The plan is excellent for high-value purchases such as insurance premiums, jewels, home furnishings, appliances, and vacation expenses.
  • Longer terms. Enjoy up to 53 days of credit with 0% interest from the cut-off date to the payment date if the entire debt is paid.
  • Flexible payment. Pay no more than 5% of the entire outstanding debt or ₱500, whichever is greater, or any amount in between.

Pros and cons

Check the below perks and drawbacks.


  • The card offers unlimited supplementary cards to qualified family members.
  • The card offers longer repayment terms.


  • The card is limited to only Insular life.
  • Many supplementary cards could be misused.

How to apply for the Union Bank Insular Life Visa card?

Follow the steps carefully:

  1. Visit the Union Bank 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 the Insular Life Visa 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 Insular Life Visa 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.

Make sure you meet the below requirements before applying:

  • You must be between 18-70 years old.
  • You must fill out the application form correctly.
  • You must have a copy of a valid government-owned ID card with your picture and signature on it.
  • You must have a copy of your source of income.
  • You must have an alien certificate of registration if you are a foreigner.
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