CREDIT CARD APPLICATION FORM

SUPPLEMENTARY CARD 1
I AM APPLYING FOR A UNIONBANK CREDIT CARD
Name: First Middle Last
UnionBank Cashback Gold Mastercard UnionBank Lazada Mastercard
UnionBank Cashback Platinum Mastercard Go Rewards Gold Visa
Name to appear on Card (21 characters only)
UnionBank Gold Visa Cebu Pacific Gold Visa
UnionBank PlayEveryday Visa Cebu Pacific Platinum Visa
Present Address:
UnionBank Miles + Platinum Visa

Others, please specify: Permanent Address:

HOW DID YOU KNOW UNIONBANK?

Date of Birth: Gender: Nationality:

I am a UnionBank Depositor YES NO ACCOUNT NO.

Place of Birth: TIN / SSS: Nature of Work:
YES NO ACCOUNT NO.
I have an existing UnionBank Payroll account
Source of Funds: Assigned Limit: Mobile No.:

MY PERSONAL DETAILS Relationship to PRINCIPAL

Name: First Middle Last

Name to appear on Card (21 characters only) SUPPLEMENTARY APPLICANT’S SIGNATURE DATE

Date of Birth: Place of Birth: Nationality:

SUPPLEMENTARY CARD 2
Gender: Male Female Single Married Widowed Separated
Name: First Middle Last
SSS No. Tax ID No. (TIN) No.

Name to appear on Card (21 characters only)

Mother’s Maiden Name: First Middle Last

Present Address:
RESIDENCE ADDRESS
No. / Unit / Room / Blk / Lot Floor Street
Subdivision / Village / Bldg Name Barangay Permanent Address:

Province City
Date of Birth: Gender: Nationality:

Place of Birth: TIN / SSS: Nature of Work:

Owned/Mortgaged Owned/Not Mortgaged Rented Living with Relatives/Parents
Source of Funds: Assigned Limit: Mobile No.:
ZIP Code Years of Stay
Relationship to PRINCIPAL

ABOUT MY WORK

Company Name:
SUPPLEMENTARY APPLICANT’S SIGNATURE DATE
COMPANY / BUSINESS ADDRESS
No. / Unit / Room / Blk / Lot Floor Street

Subdivision / Village / Bldg Name Barangay

Province City

ZIP Code Years in Work / Business

Nature of Work / Business:

Position: Deliver the card to my*:

Residence Office
Regular Probationary Contractual Others (Please Specify)
*In choosing my Residential Address for my card delivery, I fully authorize You or Your official courier to release, in my absence, my
approved card to any member of the household upon presentation of an identification card with picture and authorization letter. In
Sources of Funds (Ex: Salary, Dividends, Etc.) choosing Company Address for my card delivery, I fully authorize You or Your official courier to release, in my absence, my approved card
to my co-workers, secretaries or to our desk receptionist upon presentation of a government-issued identification card with picture for
Gross Annual Salary ( Basic Monthly Salary + All Bonuses) proper identification. Furthermore, I shall be liable for any card availment/s or usages thereafter as a result of such delivery and hereby
hold You free and harmless from any liability whatsoever for delivering my card as authorized herein.

I WILL SUBMIT THE FOLLOWING REQUIREMENTS

CREDIT CARDS WITH OTHER BANKS • Duly accomplished and signed application form
Bank Name Card No. Credit Limit • Photocopy of an acceptable identification document with photo and signature
• Supporting documents:
• If employed / fixed salary earner:
BIR form 2316(W-2)
• If self-employed:
Income Tax Return BIR form 1701 or 1702 with BIR or bank stamp

MY CONTACT DETAILS OPTIONAL DOCUMENTATION REQUIREMENTS:

• Certificate of Employment and compensation (original copy) for employer / fixed salary earner
or payslip for the past 3 months
Home Telephone No. Office Telephone No.
• Audited financial statement with BIR or bank stamp for self-employed
• Other proof of income like contracts, bank certification of deposists / placements
Mobile No. Email (should indicate date account was opened)
• If exisiting cardholder of other credit card company:
*Go green, go paperless! Your credit card SOA (Statement of Account) will be sent to your e-mail address on record through our
Electronic-SOA Facility in a password protected PDF file. An SMS advisory will also be sent to your mobile number on record for a
• Latest credit card statement (should be of current status). Must have been a cardholder for
payment reminder. You may also view your credit card SOA via UnionBank Online App at https://online.unionbankph.com at least 6 months
 TERMS AND CONDITIONS
By signing below:
I hereby certify that the information given by me is true, complete and correct. I authorize
UnionBank of the Philippines (the "Bank") or its authorized representative/s to verify,
investigate or confirm any or all of the information provided by me from whatever sources
it may consider appropriate. I understand and accept that my failure to provide true,
complete and correct information to the Bank or its authorized representative/s regarding
my financial knowledge and experience may result in the Bank’s inability to accurately
determine the appropriateness of a product and/or service for me given the limited
information available. I understand that falsifying or providing any false or inaccurate
information or documents is sufficient ground for legal action and/or the rejection of my
application. I understand that should my application be denied, the Bank or its authorized
representative/s has no obligation to provide me with the reason for such rejection.
I hereby authorize and consent to the processing, sharing and/or transferring by the Bank
of my Personal Data as this term is defined under the Data Privacy Act and its
Implementing Rules and Regulations ("DPA IRR") and all other issuances of the National
Privacy Commission (NPC), or otherwise, relating to my account/s to any of the following
for any of the specified purposes which in all cases are in compliance with or pursuant to
the Bank's legal or contractual obligations: (i) government regulatory agencies, credit
information/investigation companies, financial institutions, credit bureaus, other banks,
credit card companies, loyalty program partners, consumer reporting or reference
agencies such as Credit Card Association of the Philippines, Bankers Association of the
Philippines, Credit Information Corp., and the Transunion Credit Bureau for the purpose of
credit investigation, consumer reporting, or for reports of my credit history and account
updates; (ii) third persons, correspondent banks, service providers and entities as the Bank
deems necessary, to enable the Bank to service my account/s and to provide all the
existing features of my account/s, the Bank products, services, facilities and channels, and
any future enhancements thereto or to assist the Bank in the processing of my data,
including its collection, recording, organization, storage, management, protection,
updating or modification, retrieval, consultation, use, consolidation, blocking, erasure or
destruction; (iii) third parties engaged by the Bank or by its subsidiaries or affiliates for the
purpose of direct/indirect marketing to offer selected products and services which may
interest me unless specifically instructed otherwise in writing; (iv) insurers, insurance
brokers, or providers of deposit or credit protection or protection against all kinds of risks;
or (v) regulatory authorities when such other persons or entities the Bank may deem as
having authority or right to such disclosure of information as in the case of regulatory
agencies, governmental or otherwise, which have required such disclosure from the Bank
and when the circumstance so warrant.
I understand that Personal Data/Information refers to any information, whether recorded
in a material form or not, from which my identity is apparent or can be reasonably and
directly ascertained by the entity holding the information, or when put together with other
information would directly and certainly identify me. I am fully aware that the Bank collects
my personal information from any of the following sources: 1) Personal Information Sheet
or other form duly accomplished by me as requested by the Bank; 2) information collected
about me when I contact the Bank or the Bank contacts me through the hotline, via email,
mobile applications or services, online platforms and otherwise; and) information
collected about me from other commercially available sources or recorded
communication.
I authorize the Bank and/or its authorized representative to, when deemed necessary or
relevant by the Bank, (a) pursuant to BSP Circular No. 472 Series of 2005 as implemented
by BIR Revenue Regulation RR-4-2005, conduct random verification with the Bureau of
Internal Revenue in order to establish authenticity of the Income Tax Returns (ITR),
accompanying financial statements and such other documents/information/data
submitted by me, and/or (b) obtain or disclose such information regarding me or the
loan/credit facilities applied for hereunder to any party as the Bank may deem necessary
or as may be required or allowed by applicable laws, rules and regulations.
I authorize 1) the regular submission and disclosure of my basic credit data (as defined
under Republic Act No. 9510 and its Implementing Rules and Regulations) to the Credit
Information Corporation (CIC) as well as any updates or corrections thereof for purposes
of including said basic credit data in a centralized credit information system as mandated
by law; and 2) the sharing of my basic credit data with Accessing Entities as defined in
Republic Act No. 9510 and its Implementing Rules and Regulations authorized by the CIC,
and credit reporting agencies duly accredited by the CIC.
I am aware that my personal information is collected and shared for purposes of providing
the service, product and/or facility I have applied for or agreed to obtain from the Bank, or
for purposes of complying with relevant government or legal mandate or requirement, I
hereby consent to the disclosure required by such product, service of facility to the
enumerated third parties above and further authorize the Bank, its officers, employees or
representatives and third parties as enumerated above, to obtain verify and review the
information that I have provided and to use and process the same in evaluating my
application/s to avail of the Bank’s products and/or services, which include a broad range
of credit, deposit and other financial products. I likewise authorize the collection of my
personal, use and processing, directly by the Bank or through its authorized third party
service providers, business partners, consultants or advisers, which have satisfied the
PRINCIPAL APPLICANT’S SIGNATURE
NOTE: Applications that are not duly accomplished and signed and/or not accompanied by the required documents will not be processed.
FOR BANK USE ONLY
REFERRED BY:
UnionBank of the Philippines is supervised by the Bangko Sentral ng Pilipinas.
For concerns, you can contact us at our 24-hour customer service (02) 8-8418600 or email customer.service@unionbankph.com.
You may also contact BSP Financial Consumer Protection Department at (02) 8-708-7087 or email consumeraffairs@bsp.gov.ph
Bank’s requirements of corporate legal, information security, and data privacy, to either
improve the Bank's product or service to me or the public in general or to market any other
product, service or facility of the Bank which the Bank may determine to be of interest to
me.
I agree that my authorization and consent as provided herein has been executed freely,
voluntarily and with full knowledge of its consequences. It is intended to be the consent
and/or permission required under the DPA IRR, Republic Act No. 1405 or the Bank Secrecy
Law and all other relevant laws for the purposes specified above. It is valid as an
agreement signed by me and shall have continued effect throughout the duration of my
relationship with the Bank and/or existence of my account(s), and/or until the expiration
of the retention limit set by laws and regulations, and/or the period set until the destruction
or disposal of records as mandated by relevant laws, unless I withdraw such authorization
and consent in writing. I hereby render the Bank, its officers, employees and
representatives free and harmless from any and all liabilities arising from the above use
and disclosure of my information.
I certify that the information I have provided in the Personal Information Sheet (PIS) or
other form or document as required by the Bank is true, correct and complete and I agree
to immediately and/or periodically update the same should there be any change, mistake
or inaccuracy thereon. I fully understand that said information may be used by the Bank to
provide the service, product or facility I have applied for or agreed to obtain from the Bank.
I fully understand that the contact information I have provided shall be used for all
correspondences between me and the Bank unless I notify and promptly advise the Bank
in writing of any change on said contact and other personal information. I am aware that I
can request a copy of my personal information I have provided to the Bank and that for any
question on the Bank’s Privacy Policy, I can contact the Bank through (02) 8-8418600,
Domestic Toll Free (PLDT) 1-800-1888-2277, Universal Toll Free (IAC)+8008277-2273
(USA, Netherlands, Spain, Switzerland, Malaysia, Australia, Singapore, Japan,
Korea-Koreatel, Koreal-Onse, Israel), Email: customer.service@unionbankph.com.
I acknowledge that I have read, understood and fully agree with the Bank’s Privacy Policy
and receipt of which I confirm by my signature below.
I acknowledge that the Bank has in place and implements technical and organizational
measures to ensure data security in the collection, storage, and use of my personal
information.
I allow the Bank to keep my personal information only for as long as it is necessary: a) for
the fulfillment of the declared, specified, and legitimate purposes provided above, or when
the processing relevant to the purposes has been terminated; or b) for the establishment,
exercise or defense of legal claims; or c) for legitimate business purposes, which shall be
in accordance with the standards of the banking industry.
I authorize the Bank to dispose my personal information in a secure manner in order to
prevent further processing, unauthorized access, or disclosure to any other party.
I authorize the Bank or any of its authorized representatives to share my personal data
with Cebu Air, Inc. to facilitate enrollment and points crediting to the GetGo Program in the
event that my application is approved and I fully understand that said information may be
used by the Bank to provide the service and/or product I have applied for from the Bank. In
case of any inquiries and concerns on the processing of my
personal information, I may contact the Data Protection Officer through
dpo@unionbankph.com.
By applying for the Card and/or accepting or using the Card, that with respect to all
Personal data I provide to the Bank, including those provided by me in the application form
and in my profile, and those generated throughout my use of the Card/s and any Card or
Bank Program automatically associated with it or, if allowed, which I applied for
simultaneously or subsequently, that I have read, understood and fully agree with
UnionBank’s Terms and Conditions and the Bank’s Privacy Policy as found in
www.unionbankph.com/online/privacy-policy.
I hereby agree that depending on the assessment of my application, the Bank will only
send me the Card/s I am qualified for.
I hereby agree to be bound by the Terms and Conditions of credit card application promos
(whenever applicable) and the Terms and Conditions governing the issuance and use of
the UnionBank Credit Card.
IMPORTANT: Before signing, please make sure that you have completely filled-out all
required information.
DATE
PROGRAM CODE:
 FEES AND CHARGES
Annual Fee Principal Supplementary
PlayEveryday Visa P1,500 P750

Gold Visa Mastercard P2,500 P1,250

CashBack Platinum Mastercard / Lazada Mastercard P3,000 P1,500

Miles+ Platinum Visa P3,000 P1,500

Go Rewards Gold Visa P3,000 P1,500

Go Rewards Platinum Visa P5,000 P2,500

Cebu Pacific Gold Visa P3,000 P1,500

Cebu Pacific Platinum Visa P5,000 P2,500

2.00% Monthly Effective Interest Rate (EIR) which is computed based on the unpaid balance from previous statement.
Interest Charge Payment of minimum amount due or any amount less than the total amount due from previous balance would
automatically incur interest and/or other charges.
Late Payment Charge P1,000

P0.36 (U-Protect - FREE for the first 3 months) or P0.55 (U-Secure - FREE for the first 2 months) will be charged
Credit Life Insurance Premium
for every P100 Outstanding Balance monthly after the first 2 months (U-Secure)
(U-Protect / U Secure)
or 3 months (U-Protect) from month open date.

P200 Flat Service Fee will be charged per cash advance transaction. Finance Charge of 1.96% per month will also be
Cash Advance due on each cash advance from the date of the advance until date of repayment in full (including unbilled charges).
Service Fee Cash Advance fee is considered in the derivation for Cash Advance EIR. Total Annual EIR for Cash Advance transaction
is 23.48% for P5,000 and above transactions via ATM.
P500 automatically billed to the cardholder on cycle date, when total
Overlimit Fee transactions and system generated interest/charges exceed the credit limit
Card Replacement Fee P400 for every lost or damaged card

Sales Slip Retrieval Fee P200 for every transaction slip requested
Returned Check Fee P1,500 for every returned check

Dispute Fee P1,000 for every invalid dispute case

Refund Fee P50 which covers the cost of processing of a refund request in Manager’s Check as a result of cardholder’s
overpayment
Applicable to all pre-terminated Installment Transactions;
Pre-Termination Fee
P500 or 5% of remaining principal balance, whichever is higher
All charges made in currencies other than Philippine Pesos (PhP) shall automatically be converted to the (PhP) billing
Service Fee for Foreign currency on posting date at the prevailing exchange rate selected by Mastercard or Visa International. This will be
Currency Transactions based on the range of rates available in the wholesale currency markets or the government- mandated rate if in effect.
A 3% fee for Classic and Gold Cards and 2% fee for Platinum Cards will be added covering the cost of processing
transactions in foreign currencies.

5% service fee shall be charged on gaming/gambling transactions and/or transactions made at gaming/gambling
establishments, (including placement of wagers, purchase of lottery tickets or other values in conjunction with any
gaming or gambling activity), and on purchases of cryptocurrency*. The same fee will be applied on quasi-cash**
transactions, purchases of travelers cheques, foreign currency, money orders, or the use of the card to open or fund a
Gaming Fee deposit account done at a location other than a financial institution.
*Cryptocurrency is defined as a digital or virtual currency that can be used to buy goods and services, investments, or trading transactions.
**Quasi-cash, or cash-like, transactions are determined by the Merchant Category Code (MCC) that has been assigned by the acquiring bank for
the merchant.
Visit https://www.unionbankph.com/quasi-cash-mcc to see the list of quasi-cash MCCs.

EasyPayment Fee 3% Service Fee per EasyPayment Transaction

P350 for each successful EasyTransfer (Balance Transfer) transaction.

Installment Processing Fee P500 for each successful EasyConvert (Retail Conversion) transaction.
P500 for each successful EasyBill (Balance Conversion) transaction
P350 for each successful EasyCash (Charge for Cash) transaction.

The fees are accurate as of the month of application form was updated. The fees are subject to change after the said date without prior notice. For information regarding any changes in the fees, please call our Customer Service at
(02)8-8418600; For Domestic Toll Free (PLDT) 1-800-1888-2277; Universal Toll Free (IAC) +8008277-2273 (USA, Netherlands, Spain, Switzerland, Malaysia, Australia, Singapore, Japan, Korea-Koreatel, Koreal-Onse, Israel); Email: customer.-
service@unionbankph.com.

Please do not enclose payment. Membership fees will be reflected on your Statement of Account upon approval of your application.
 Sample Illustration of Annual Effective Interest Rate (EIR) Computation for Retail
Retail Purchase Amount P20,000
Interest Charge per Month 2% which shall accrue from the date of the availment until date of repayment in full
Minimum Amount Due 4% of the Total Staement Balance or P400, whichever is higher

Assumptions:
1. Purchase was made on the day after statement cycle date
2. No other purchases / cash advance / installment transactions made
3. No other charges / fees incurred
4. Cardholder pays minimum payment due only

Month Total Statement Balance Retail Purchase Payment Interest Charge Outstanding Principal Balance Total Outstanding Balance
January 0.00 20,000.00 - - 20,000.00 20,000.00
February 20,000.00 - 800.00 400.00 19,200.00 19,600.00
March 19,600.00 - 784.00 392.00 18,816.00 19,208.00
April 19,208.00 - 768.32 384.16 18,439.68 18,823.84
May 18,823.84 - 752.95 376.48 18,070.89 18,447.36
June 18,447.36 - 737.89 368.95 17,709.47 18,078.42
July 18,078.42 - 723.14 361.57 17,355.28 17,716.85
August 17,716.85 - 708.67 354.34 17,008.17 17,362.51
September 17,362.51 - 694.50 347.25 16,668.01 17,015.26
October 17,015.26 - 680.61 340.31 16,334.65 16,674.96
November 16,674.96 - 667.00 333.50 16,007.96 16,341.46
December 16,341.46 - 653.66 326.80 15,687.80 16,014.63
January 16,014.63 - 640.59 320.29 15,374.04 15,694.33

Total Interest and Fees 4,305.67

Average Outstanding Balance 17,940.27
*Monthly EIR 2.00% Annual EIR 24.00%
*defined as the average monthly interest over the monthly outstanding balance

Sample Illustration of Annual Effective Interest Rate (EIR) Computation for Cash Advance
Cash Advance Amount P20,000
Cash Advance Service Fee P200
Interest Charge per Month 2% which shall accrue from the date of the availment until date of repayment in full
Minimum Amount Due 4% of the Total Staement Balance or P400, whichever is higher

Assumptions:
1.Cash Advance was made on the day after statement cycle date
2. No other purchases / cash advance / installment transactions made for 12 months
3. No other charges / fees incurred during the 12 months
4. Cardholder pays minimum payment due only

Cash Advance Cash Advance Outstanding Total Outstanding

Month Total Statement Balance Payment Interest Charge
Amount Service Fee Principal Balance Balance
January 0.00 20,000.00 200.00 - - 20,000.00 20,200.00
February 20,200.00 - - 1,010.00 404.00 19,190.00 19,594.00
March 19,594.00 - - 979.70 391.88 18.614.30 19,006.18
April 19,006.18 - - 950.31 380.12 18,055.87 18,435.99
May 18,435.99 - - 921.80 368.72 17,514.19 17,822.91
June 17,822.91 - - 894.15 357.66 16,988.77 17,362.51
July 17,362.51 - - 867.32 346.93 16,479.11 16,826.03
August 16,826.03 - - 841.30 336.52 15,984.73 16,321.25
September 16,321.25 - - 816.06 326.43 15,505.19 15,831.62
October 15,831.62 - - 791.58 316.63 15,040.04 15,356.67
November 15,356.67 - - 767.83 307.13 14,588.83 14,895.97
December 14,895.97 - - 744.80 297.92 14,151.17 14,449.09

Total Interest and Fees 4,033.94

Average Outstanding Balance 17,178.85
*Monthly EIR 1.96% Annual EIR 23.48%
*defined as the average monthly interest over the monthly outstanding balance of the Cash Advance Service Fee