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UnionBank Gold Mastercard®
Credit cards

UnionBank Gold Mastercard®

Updated: 18.10.2022

About credit card

The Gold Mastercard provides users with several perks that may be useful for those who love comfort and convenience.


  • 1% cashback. Users of the card get 1% cashback on every purchase made with the card.
  • Worldwide acceptance. The UnionBank gold Mastercard is accepted in 30 million establishments and ATMs worldwide.
  • Discounts and promos. Users get discounts on different products from different establishments. These include ₱500 off at Lazada, ₱300 off at Boozy, 50% off at Bistro Group and numerous other offers.
  • Mastercard Cashback calculator. Users have access to the Mastercard Cashback calculator to calculate rebates earned for purchases.

Pros and cons

Below are some ups and drawbacks of the card:


  • Users have access to the accounts to pay bills and do other transactions online from anywhere and at any time.
  • Users can take advantage of the autocharge payment system to have their bills automatically paid.


  • The card users should be aware of other fees other than the maintenance fees.
  • The application process may be time-consuming and/or tedious for some people, especially foreigners.

How to apply a UnionBank Gold Mastercard®?

If you are interested in UnionBank Gold Mastercard, 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 cards.
  3. Go up and click on See cards.
  4. Look for and click on UnionBank Gold Mastercard.
  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 UnionBank Gold Mastercard.
  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 UnionBank gold Mastercard:

  • 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 UnionBank gold Mastercard:

  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.
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