Credit card ยท UnionBank
UnionBank Insular Life Visa Card
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Secure your future while enjoying every moment with the convenience of Insular Life Visa Card. Get cash rebate, free plane tickets, and free dining and shopping when you convert your rewards points. This card also allows you to conveniently manage all your utility bills through Automatic Debit Arrangement while you get more exclusive promos and perks.
Highlights
- Earn rewards point for every spend of PHP40.00 = 1 point
- Redeem rewards points by exchanging FREE flights from Cebu Pacific and Tiger Airways
- 0% Installment plan of up to 36 months payment terms
Overview
| For | Resident foreign individual |
|---|---|
| Work | Employed - Private Sector, Employed - Government, Self - Employed, Professional |
| Minimum annual income | ₱600,000 |
| Main card: age | 18 to 60 years old |
| Main card: annual fee | ₱1,500 |
| Supplementary card: age | 18 to 60 years old |
| Supplementary card: annual fee | ₱750 |
| Interest | 3.5% a month |
| Cash advance interest | 6% a month |
| Cash advance fee | 6% of the transaction amount or PHP300.00 whichever is higher |
| Late fee | PHP750.00 |
| Over limit fee | PHP500.00 |
| Copy sales draft | PHP200.00 for every transaction slip requested |
| Card replacement fee | PHP400.00 for every card replacement |
Features
| Rating | 6.6 of 10 |
|---|
- 0% installment plan for 3 to 36 months at participating merchants
- Get FREE Fish N’ Chips with a minimum spend of PHP1,000.00 or 10% Discount with no minimum purchase required using your Unionbank credit card. Promo period until July 14, 2020.
- Catch the newest rewards for the whole family
- Earn 1 rewards point for every spend of PHP40.00
- Rewards points can be converted into airmile
- Enjoy low interest balance transfer payable from 3-36 months for as low as 0.99% monthly interest rate depending on your chosen payment term