Credit cards
Rewards Secured Credit Card
Union Bank of the Philippines
2.26 reviews
About this product
Rewards Secured Credit Card 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
- Secured-card approval proposition
- Good for
- Building credit
- Rating
- 2.2 / 5
Card details
- Network
- Mastercard
- Tier
- Secured
- Best for
- Building credit
- Billing currency
- PHP
- Availability
- Public apply
- Intro / first-year fee
- Secured by hold-out deposit
- Fee waiver
- Deposit from ₱20,000; stated limit up to 90% of hold-out
- Monthly interest rate
- 3%
- Foreign transaction fee
- 3%
- Cash advance fee
- ₱200 per transaction
- Base earn rate
- Rewards program; exact current earn grid must be confirmed
- Bonus / cashback
- Secured-card approval proposition
- Cap / threshold
- Subject to credit assessment
- Other key benefits
- Lower-entry secured route
- 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.