In the Philippines, a significant number of individuals still do not have access to a credit card. Many Filipinos opt for debit cards or cash payments, perhaps due to concerns over debt or the perceived complexity of managing credit. However, with the rise of online shopping, a credit card can significantly enhance your shopping experience, providing you with more convenience, security, and rewards. If you’re one of the many Filipinos without a credit card, it’s time to consider the UnionBank Credit Card—a smart choice that unlocks a world of benefits for online shoppers. In this blog post, we’ll explore why having a credit card is essential for modern shopping and why the UnionBank credit cards, including the U Visa Platinum, are perfect for those ready to take the next step and this is a credit card with no annual fee for life.

The Shift to Online Shopping and the Need for a Credit CardOver the past few years, online shopping has exploded in the Philippines, with more and more Filipinos turning to e-commerce platforms like Lazada, Shopee, and Amazon for their shopping needs. Whether it’s tech gadgets, fashion, beauty products, or household items, the convenience of purchasing goods from the comfort of home is unmatched. However, for many Filipino shoppers, the lack of a credit card can be a significant barrier to fully enjoying the benefits of online shopping.
Here’s why having a credit card, especially one like a UnionBank credit card, can make all the difference:

1. Access to Online Payment Systems: Many online stores, both local and international, require a credit card for payments. A debit card or cash-on-delivery option might limit your shopping choices or delay transactions. With a UnionBank credit card, you can shop seamlessly, paying for purchases immediately and securely.
2. Increased Security for Online Transactions: Online shopping often comes with concerns about fraud and security. UnionBank credit cards offer advanced security features, including Visa Secure and EMV chip technology, which protect your transactions and sensitive information while shopping online.
3. Global Shopping Flexibility: Whether you’re buying from local e-commerce platforms or international sites like Amazon, eBay, or AliExpress, a credit card ensures you can pay for goods from anywhere in the world. Plus, UnionBank cards come with no foreign transaction fees, making international shopping easier and more affordable.

Why UnionBank Credit Cards Are the Perfect Choice for First-Time CardholdersFor Filipinos who are new to credit cards, the UnionBank Credit Card offers a range of benefits that make the transition easy and rewarding. Here’s why it’s a great choice for those starting their credit journey:

1. Zero Annual Fee
​
One of the most attractive features of UnionBank’s credit cards, including the U Visa Platinum, is the No Annual Fee for Life! This makes it easy for first-time cardholders to experience the benefits of owning a credit card without the immediate financial commitment of an annual fee.
After the first year, the annual fee is competitive, especially considering the range of premium benefits the card provides.

*Other Unionbank Credit Cards with Zero Annual Fee for Life are UnionBank Reserve, Miles+, Rewards, or Cash Back credit card  until December 31, 2024 only.

2. Generous Rewards Program 

UnionBank credit cards offer a rewarding points system, allowing you to earn points with every purchase—whether online or in-store. As you shop for your favorite items on e-commerce platforms like Lazada, Shopee, or Amazon, you can accumulate points that can be redeemed for a variety of rewards, such as:

• Gift certificates
• Cashback
• Merchandise

For instance, with the UnionBank Visa Platinum, cardholders can earn 1 Reward Point for every PHP 30 spend locally and internationally. Plus, online purchases earn double reward points, making it easier and faster to rack up points while shopping.

For Unionbank U Visa Platinum, this is a non-rewards card. Instead you get:

• No Annual Fees for Life – Enjoy no annual fee every single year! No calls, no requests, it’s that simple.
• 10% Interest Rebates – Pay at least the minimum due on or before the due date and get 10% back on interest charges.
• No Late Payment Fees & Over-limit Fees – So you’ve gone over your credit limit or you’re a bit late on payments. Don’t worry we’ve got you covered.
• This is the best credit card with no annual fee for life.

3. Exclusive Discounts and Deals 

UnionBank credit cardholders gain access to exclusive discounts and deals from popular online merchants and e-commerce platforms. UnionBank partners with various brands to offer special promotions, especially during peak online shopping events like Black Friday, Cyber Monday, and Christmas Sales.

Additionally, you may enjoy partner discounts for online purchases, ensuring that your shopping experience is both rewarding and affordable.

4. Flexible Payment OptionsUnionBank credit cards offer 0% installment plans on eligible purchases, allowing you to break up your big-ticket online purchases into affordable monthly payments. Whether you’re buying a new smartphone, laptop, or home appliance from online retailers, this feature helps you manage your budget effectively.

With flexible terms ranging from 3 to 24 months, you can shop with confidence and convenience without worrying about hefty upfront payments.

5. Access to International ShoppingIf you love shopping internationally, a UnionBank credit card opens up a world of opportunities. Whether it’s shopping for global brands, exclusive international products, or discounted goods during international sales events, UnionBank cards provide worldwide Visa acceptance, ensuring you can make secure payments across various global e-commerce sites like Amazon and eBay.

Since foreign transaction fees are waived on UnionBank cards, you can shop internationally without the extra costs, making your international shopping experience even more affordable.

6. Convenient Payment Methods with Contactless TechnologyUnionBank credit cards are equipped with Visa payWave technology, which allows for contactless payments—meaning quicker and more secure online payments. You can use your card for mobile payments through digital wallets like Apple Pay, Google Pay, or Samsung Pay for a fast and seamless checkout process.

Enhanced Security Features for Safe Online ShoppingWhen it comes to online shopping, security is essential. UnionBank credit cards come with advanced EMV chip technology and Visa Secure for added layers of protection. These features help prevent fraud and unauthorized transactions, ensuring that your online shopping experience is not only easy but also safe.

• Visa Secure: Provides two-factor authentication, making it harder for fraudsters to make unauthorized purchases.
• EMV Chip Technology: Protects your card from data skimming and other security breaches, especially for online and in-store payments.

Ready to Unlock the Benefits of Online Shopping?If you’re ready to take your online shopping experience to the next level, it’s time to apply for a UnionBank Credit Card. Whether you’re new to credit cards or looking for a better way to manage your online purchases, UnionBank offers the perfect combination of rewards, security, and convenience.

Apply Today and Start Shopping Smarter! Don’t miss out on the benefits of having a UnionBank credit card. Apply now and enjoy zero annual fee for life (For new Unionbank card holder until December 31, 2024), exclusive rewards, flexible payment options, and enhanced security for all your online shopping needs.

Click here to apply now and unlock a world of benefits for your online shopping journey!