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Philippine Academy of Ophthalmology®
Credit cards

Philippine Academy of Ophthalmology®

Updated: 18.10.2022

About credit card

The Philippine Academy of Ophthalmology Visa card is an automatic credit card that allows its users to enjoy no annual fee for PAO members. It also allows them to enjoy 0% interest on all fees and charges with 3 or 6 monthly installments.


  • PAO support. With the Philippine Academy of Ophthalmology Visa card, you can easily support PAO projects such as lay forums and medical missions.
  • Extended credit period. With the Philippine Academy of Ophthalmology Visa card, you get a more extended credit period of 53 days.
  • Reduced rates. With the Philippine Academy of Ophthalmology Visa card, you can get 0% interest from reference date to due date, 0% installment plan up to 36 months, zero monthly fee, and 0% installments over 3-36 months at participating retailers.
  • Reward points. With the Philippine Academy of Ophthalmology Visa card, you earn reward points for every ₱20. Reward points can be converted into airline miles.

Pros and cons

Check the pros and cons of the card below:


  • The user earns one reward point for every ₱20 spent.
  • The card has 0% installment plans.


  • The minimum annual income requirement is very high.
  • The card comes with many fees and charges.

How to apply a credit card?

To apply for this card, you have to follow the steps 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 Philippine Academy of Ophthalmology.
  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 Philippine Academy of Ophthalmology.
  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.


  • Applicants must be between the ages of 18 to 60 for principal card holders and 14 to 60 years for supplementary card holders.
  • Applicants must be Filipino.
  • Applicants must reside in the Philippines.
  • Applicants must have a total income of at least ₱50,000 per month.
  • Applicants must be existing cardholders.

Document requirements

  • A valid government-issued ID with a photo and signature (SSS, UMID, TIN, passport, driver's license, etc.).
  • Taxpayer identification number (TIN).
  • Income certificate
  • Final ITR (form 1701), compensation payment and withholding tax certificate, or similar document.
  • Last three months' payslip.
  • Employment certificate or contract of employment.
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