Credit cards
Reserve World Elite Mastercard
Union Bank of the Philippines
2.26 reviews
About this product
Reserve World Elite 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 5× points on selected dining, shopping and foreign-currency spend
- Good for
- Premium travel
- Rating
- 2.2 / 5
Card details
- Network
- Mastercard
- Tier
- World Elite
- Best for
- Premium travel
- Billing currency
- PHP
- Availability
- Invitation only
- Principal annual fee
- ₱12,000
- Supplementary annual fee
- ₱6,000
- Intro / first-year fee
- Invitation only
- Fee waiver
- Up to 7 supplementary fees may be waived; verify conditions
- Monthly interest rate
- 3%
- Foreign transaction fee
- 2%
- Cash advance fee
- ₱200 per transaction
- Base earn rate
- 1 point per ₱30
- Bonus / cashback
- Up to 5× points on selected dining, shopping and foreign-currency spend
- Cap / threshold
- Program terms apply
- Airport lounge
- Unlimited Priority Pass access; current guest terms apply
- Travel / purchase insurance
- Travel insurance up to ₱20M
- Other key benefits
- Concierge and premium privileges
- 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.