Credit cards
Cash Back Titanium Mastercard
Union Bank of the Philippines
2.26 reviews
About this product
Cash Back Titanium Mastercard from Union Bank of the Philippines offers 3% per month. Compare the facts below, then continue to the provider when you're ready.
Key facts
- Rate
- 3% per month
- Rewards
- Up to 6% groceries, up to 2% Meralco, 0.2% other eligible spend
- Good for
- Groceries and utilities
- Rating
- 2.2 / 5
Card details
- Network
- Mastercard
- Tier
- Platinum cashback
- Best for
- Groceries and utilities
- Billing currency
- PHP
- Availability
- Public apply
- Principal annual fee
- ₱4,500
- Supplementary annual fee
- ₱2,250
- Intro / first-year fee
- Check current promotion
- Fee waiver
- Not publicly standardized
- Monthly interest rate
- 3%
- Foreign transaction fee
- 2%
- Cash advance fee
- ₱200 per transaction
- Base earn rate
- Cashback
- Bonus / cashback
- Up to 6% groceries, up to 2% Meralco, 0.2% other eligible spend
- Cap / threshold
- Up to ₱15,000 cashback/year; category conditions apply
- Other key benefits
- Household-spend cashback
- Eligibility
- Subject to UnionBank credit assessment; most card-specific income thresholds are not publicly disclosed.
- Product page
- www.unionbankph.com/cards/credit-card
- Fees / terms
- www.unionbankph.com/cards-fees
What people say
Based on 6 reviews
UN
Unknown
12 Jul 2026
Fast release, clear terms
Applied online and got approved in two days. The rate matched what was advertised — no surprise fees. Staff answered all my questions.
UN
Unknown
3 Jul 2026
Good but paperwork heavy
Rates are competitive and the app is decent. Took a while to gather all the documents, but support was patient with an OFW like me.
UN
Unknown
28 Jun 2026
Reliable for repeat borrowers
Second time borrowing here. Renewal was smooth and the monthly amortization is exactly as computed on Finsyal.