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Metrobank Travel Platinum Visa vs UnionBank Cash Back Visa Platinum

Honest side-by-side comparison of Metrobank Travel Platinum Visa, UnionBank Cash Back Visa Platinum — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Metrobank Travel Platinum Visa

Metrobank

UnionBank Cash Back Visa Platinum

UnionBank

Your adjusted comparison

Feature
Metrobank Travel Platinum Visa credit card

Metrobank Travel Platinum Visa

Metrobank

UnionBank Cash Back Visa Platinum credit card

UnionBank Cash Back Visa Platinum

UnionBank

Fees & eligibility
Annual fee₱5,000₱4,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱58,334/mo₱15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₱1,895/yr₱2,029/yr
Groceries (offline)—₱8,000 × 6% = ₱480/mo (₱5,760/yr) · issuer max ₱1,250/mo
Travel₱3,000 × 1.5% = ₱45/mo (₱540/yr)—
Utilities & bills—₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo
Top reward rate~1.5% cash-equivalent (modeled)Up to 6% cashback
Primary reward capNo monthly cap published₱1,250 rewards/mo cap
Key exclusionsNot statedNot stated
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Metrobank Travel Platinum Visa details →UnionBank Cash Back Visa Platinum details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, UnionBank Cash Back Visa Platinum leads Metrobank Travel Platinum Visa by about ₱3,924/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₱35,000/mo

₱35,000/month total spend — typical Philippines user

Groceries ₱8,000 · Online ₱7,000 · Dining ₱5,000 · Fuel ₱4,000 · Bills ₱3,500

Metrobank Travel Platinum Visa vs UnionBank Cash Back Visa Platinum comparison table
FeatureMetrobank Travel Platinum Visa

Metrobank

UnionBank Cash Back Visa Platinum

UnionBank

Fees & eligibility
Annual fee₱5,000₱4,500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₱58,334/mo₱15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₱1,895/yr₱2,029/yr
Groceries (offline)—₱8,000 × 6% = ₱480/mo (₱5,760/yr) · issuer max ₱1,250/mo
Travel₱3,000 × 1.5% = ₱45/mo (₱540/yr)—
Utilities & bills—₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo
Top reward rate~1.5% cash-equivalent (modeled)Up to 6% cashback
Primary reward capNo monthly cap published₱1,250 rewards/mo cap
Key exclusionsNot statedNot stated
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
UnionBank Cash Back Visa Platinum has the lowest annual fee at ₱4,500.
Which card earns more on moderate spend?
UnionBank Cash Back Visa Platinum leads with an estimated ₱2,029/yr net annual value on moderate spend.
Which card has the lower income requirement?
UnionBank Cash Back Visa Platinum lists a minimum monthly income of ₱15,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

More Metrobank Travel Platinum Visa comparisons