Online shopping has become part of everyday life for many Filipinos. From Lazada and Shopee sales to food delivery and ride-hailing apps, we spend a good portion of our budget online. If you’re looking for a credit card that rewards you for these purchases, the UnionBank Cashback Card is one of the best options in 2025.
In this review, I’ll walk you through its benefits, pros and cons, and why it’s especially great for online shoppers.
(Affiliate disclaimer: This post may contain affiliate links. If you apply using my link, I may earn a small commission at no extra cost to you. This helps me keep sharing free money tips and resources.)
👉 Apply for a UnionBank Cashback Card here
What is the UnionBank Cashback Card?
The UnionBank Cashback Card is designed to help you earn cashback on your everyday spending, especially when shopping online. Instead of collecting points or rewards that take time to use, you get straightforward cashback credited to your account—making it simple and practical.
✅ Benefits of the UnionBank Cashback Card
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Unlimited 1.5% Cashback on All Purchases
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No complicated categories. Whatever you buy—whether online, in-store, or for bills—you earn cashback.
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Best for Online Shopping
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If most of your spending is through apps or websites, this card ensures you earn money back every time.
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No Cap on Cashback
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Some cards limit the amount of cashback you can earn each month. UnionBank’s Cashback Card lets you enjoy unlimited rewards.
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Flexible Payment Options
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You can pay your bills, shop during online sales, and even link it to digital wallets like GCash and Maya.
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Easy Application Process
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Application is simple and can be done online with fewer requirements compared to other banks.
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👍 Pros of the UnionBank Cashback Card
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Unlimited 1.5% cashback on all purchases.
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Perfect for frequent online shoppers.
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No rewards catalog or complicated redemptions—cashback is straightforward.
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Wide acceptance in both online and offline stores.
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Easy to manage via the UnionBank mobile app.
👎 Cons of the UnionBank Cashback Card
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Cashback rate is flat at 1.5% (some cards give higher rates but only for certain categories).
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Comes with an annual fee (but waived on the first year and can often be waived on request).
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No extra perks like travel insurance or airport lounge access, which other cards might offer.
Who Should Get the UnionBank Cashback Card?
This card is perfect if:
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You do a lot of online shopping on Shopee, Lazada, Zalora, or other e-commerce platforms.
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You use apps like Grab, Foodpanda, or GCash frequently.
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You prefer simple cashback rewards instead of tracking points and promos.
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You want a reliable everyday credit card that works both online and offline.
If you’re a heavy traveler or want premium perks like lounge access, you may want to pair it with a travel-focused card. But if cashback is what you’re after, this one delivers consistently.
Final Thoughts
The UnionBank Cashback Card is a strong choice in 2025 for Filipinos who love shopping online and want a card that pays them back with every purchase. It’s simple, practical, and rewarding without the hassle of managing points systems.
👉 Ready to get rewarded for your online spending? Apply for a UnionBank Cashback Card here
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