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Save Big with UnionBank’s Best No Annual Fee for Life Credit Cards – Rewards, Cashback, Miles & More!

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by Jay-r Araullo

Unlock More Value: UnionBank Credit Cards with No Annual Fee for Life

For many credit card users, annual fees can feel like an unnecessary cost — especially if you’re a responsible spender who pays on time and uses your card regularly. That’s where UnionBank Philippines steps in with a lineup of credit cards that offer No Annual Fee for Life — meaning you don’t pay annual membership fees year after year when you meet promo or spend requirements. This makes UnionBank’s no-fee cards some of the most attractive in the market for everyday spenders, diners, travelers, and rewards seekers alike. (UnionBank)

Let’s dive into the details of UnionBank’s top No Annual Fee for Life credit cards currently featured on their website — each designed with distinct perks to match different lifestyles and spending habits. 

1. NO ANNUAL FEE FOR LIFE | UnionBank Cash Back Visa Platinum

Cashback lovers will appreciate the UnionBank Cash Back Visa Platinum, which delivers rebates on qualifying purchases — especially on groceries and utility bill payments. It’s perfect if your spending includes supermarket trips and regular bill payments. 

💡 Best for: Grocery-focused shoppers and everyday spenders
🎁 Cash Back: Up to attractive rebates on supermarkets and bills
📍 No Annual Fee for Life with qualifying spend

This card helps stretch your budget further each time you swipe — savings that add up quickly across the year.

2. NO ANNUAL FEE FOR LIFE | UnionBank Rewards Platinum Visa

The UnionBank Rewards Platinum Visa is ideal for those who love earning points on everyday purchases. With this card, you earn rewards points on every transaction, which you can redeem for lifestyle benefits, gift items, or even travel bookings depending on the bank’s rewards catalog. This card often comes with a no annual fee for life promo when you meet a spend requirement (e.g., spend a certain amount within a period after approval). 

💡 Best for: Everyday spenders, shopping & dining enthusiasts
📌 Perks: Earn Rewards Points on every spend
📍 No Annual Fee for Life when promo conditions are met
📍 Access rewards and benefits through UnionBank’s app and online banking

3. NO ANNUAL FEE FOR LIFE | UnionBank Miles+ Visa Signature

If travel is your priority, look no further than the UnionBank Miles+ Visa Signature. Though traditionally paired with an annual fee, UnionBank has periodically offered promotions where the annual fee is waived when you hit qualifying spend requirements — effectively giving you no annual fee for life under promo terms.

  • 💡 Best for: Frequent travelers and jetsetters
  • ✈️ Earn miles for every qualifying spend you make
  • 🌍 Extra travel perks: travel insurance, lounge access, and more
  • 📍 No Annual Fee for Life when promo conditions apply

This card is a powerful way to earn miles that you can redeem for free flights or travel upgrades. 

4. NO ANNUAL FEE FOR LIFE | Go Rewards Gold Visa Credit Card

The Go Rewards Gold Visa Credit Card taps into the Go Rewards ecosystem, allowing you to earn Go Rewards points — especially useful if you shop with Go Rewards partners or Robinsons Retail brands. (UnionBank)

  • 💡 Best for: Go Rewards program users and lifestyle spenders

  • 📊 Earn Go Rewards points on everyday purchases

  • 📍 No Annual Fee for Life under featured promo

Go Rewards points can be redeemed for discounts, partner deals, or everyday purchases — making this card both flexible and rewarding. 

Why Choose a No Annual Fee for Life Card?

Here’s what makes these UnionBank cards stand out:

🛍️ Lower Cost of Ownership

No recurring annual fee means you keep more of your hard-earned money each year — especially beneficial for everyday use. 

💳 Rewards That Keep Giving

Whether it’s points, cashback, or miles, you’re earning value with every spend — turning routine expenses into rewards. 

✨ Accessible and Flexible

UnionBank’s no-fee cards work across Visa networks (globally accepted), and perks are easy to unlock with typical spending — no complicated conditions for many promos. (UnionBank)

Final Thoughts

UnionBank’s suite of No Annual Fee for Life credit cards presents a compelling suite of options for different types of spenders — from rewards hunters to cashback lovers and travel fans. These cards help save on fees while still delivering value through points, cash rebates, and perks. If you’re looking for a cost-effective credit card that maximizes your everyday spend, one of these UnionBank options is definitely worth considering. 

Apply for a UnionBank Credit Card Today!

If you’re looking for a credit card backed by modern technology, strong security, fast processing, and long-term value, UnionBank is one of the best choices in the Philippines.

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