Which card has the lower annual fee?

UnionBank U Visa Platinum has a ₱0 annual fee (lifetime free or zero-fee tier).

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.

Side-by-side · honest numbers

UnionBank Cash Back Visa Platinum vs UnionBank U Visa Platinum

Honest side-by-side comparison of UnionBank Cash Back Visa Platinum, UnionBank U 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

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

Card 1

UnionBank Cash Back Visa Platinum

UnionBank

Card 2

UnionBank U Visa Platinum

UnionBank

Your adjusted comparison

Feature	UnionBank Cash Back Visa Platinum UnionBank	UnionBank U Visa Platinum UnionBank
Fees & eligibility
Annual fee	₱4,500	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	₱15,000/mo	₱15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₱2,029/yr	-₱635/yr
Groceries (offline)	₱8,000 × 6% = ₱480/mo (₱5,760/yr) · issuer max ₱1,250/mo	—
Utilities & bills	₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo	—
Top reward rate	Up to 6% cashback	No cashback earn
Primary reward cap	₱1,250 rewards/mo cap	No monthly cap published
Key exclusions	Not stated	Not stated
Bonuses
Signup bonus	—	—

Stack mode (hold both)

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

UnionBank Cash Back Visa Platinum details →UnionBank U 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 UnionBank U Visa Platinum by about ₱2,664/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

UnionBank Cash Back Visa Platinum vs UnionBank U Visa Platinum comparison table
Feature	UnionBank Cash Back Visa Platinum UnionBank	UnionBank U Visa Platinum UnionBank
Fees & eligibility
Annual fee	₱4,500	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	₱15,000/mo	₱15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₱2,029/yr	-₱635/yr
Groceries (offline)	₱8,000 × 6% = ₱480/mo (₱5,760/yr) · issuer max ₱1,250/mo	—
Utilities & bills	₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo	—
Top reward rate	Up to 6% cashback	No cashback earn
Primary reward cap	₱1,250 rewards/mo cap	No monthly cap published
Key exclusions	Not stated	Not stated
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: UnionBank U Visa Platinum has a ₱0 annual fee (lifetime free or zero-fee tier).
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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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