UnionBank Miles+ Visa Signature card Philippines review - Is this card for you?

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The UnionBank Miles+ Visa Signature¹ card offers ways to earn points as you spend to convert to Manuhay miles, or to take as statement credit. Plus you get travel perks which makes this a popular card for people living an international lifestyle. However, it’s worth knowing that the card has a foreign transaction fee which may mean it’s not your best choice for overseas spending.

This UnionBank Miles+ Visa Signature card review covers all you need to know. We'll also introduce the Wise card, a handy travel companion to make seamless card payments when you're overseas.

What is the UnionBank Miles+ Visa Signature card?

The UnionBank Miles+ Visa Signature card is a travel optimised credit card which allows you to earn UnionBank miles when you spend, which you can convert to Mabuhay miles, or use as statement credit to pay your bills or cover your annual card fees.

This card can be an attractive option if you travel a lot as it also offers travel perks like airport lounge access and complimentary insurance. However, the foreign transaction fees of up to 3.535% can be a drawback. We’ll cover the UnionBank Miles+ Visa Signature card fees, and how using an alternative like Wise when you travel can help, later.

Here’s a summary of the UnionBank Miles+ Visa Signature card features:

Looking for the UnionBank Miles+ Platinum Visa? The UnionBank Miles+ Platinum Visa is not actively marketed by UnionBank at the point of research², although existing card holders may still retain their cards. We’ve selected the UnionBank Miles+ Visa Signature card as a great alternative which offers excellent travel perks for applicants in the Philippines.

UnionBank Miles+ Visa Signature requirements

The standard requirements to apply for a UnionBank Miles+ Visa Signature card include³:

• Applicants must be 21-70 years old
• Applicants must provide documents providing the source of income
• Foreign applicants must provide Alien Certification of Registration (ACR)

Source of income documents may include:

• Income Tax Return (ITR) or similar official tax correspondence
• Employment Contract
• 3 months of payslips or bank statements
• BIR Form 2316 or similar document
• Proof of pension

UnionBank Miles+ Visa Signature card fees and charges

Before you sign up for any credit card you’ll want to check the costs involved. Here’s a summary of the UnionBank Miles+ Visa Signature card fees and charges to start you off:

*Details correct at time of research - 5th November 2025

UnionBank Miles+ Visa Signature card benefits

So why might you want this card anyway? UnionBank Miles+ Visa Signature card benefits include:

• Earn Unionbank points every time you spend which never expire
• Options of ways to redeem your points including statement credits⁵
• Convert Unionbank points to Mabuhay miles at a rate of 3 points to 1 mile
• Get UnionBank Miles+ Visa Signature lounge access
• Options for UnionBank Miles+ Visa Signature travel and purchase insurance available

UnionBank Miles+ Visa Signature lounge access

Your UnionBank Miles+ Visa Signature card allows you to get an annual DragonPass membership to access airport lounges for free⁶. Your pass comes with 2 annual lounge passes in eligible lounges, plus you can also use your membership to access other discounts and benefits on lounge access, car services and more.

Earning UnionBank points

You’ll earn UnionBank points every time you spend with your UnionBank Miles+ Visa Signature card, at a rate of 1 point per 30 PHP spent⁷.

Some spending is not rewarded, such as when you pay card late fees or annual charges. However, one neat benefit of this card is that you can use it to pay for your regular bills automatically, and earn points on spending. This means you can get points when paying for unavoidable costs like your utilities, as well as on discretionary spend.

UnionBank points redemption

You can redeem your UnionBank points as airline miles or as cash credits which you can use to offset purchase and card costs.

UnionBank miles do not expire which means you can accumulate your points for as long as you like before you cash in if you’re saving for a big reward. When you’re ready to redeem just log onto the UnionBank reward redemption page oline or in the app to browse what you’re able to get with your points balance. You can then complete the redemption process digitally for convenience.

Can I convert my UnionBank points to Mabuhay miles?

Yes. You can convert your UnionBank points to Mabuhay miles. You’ll be able to convert your accumulated miles to Mabuhay miles at a rate of 3 UnionBank miles for 1 Mabuhay mile. The minimum amount of UnionBank miles you need for redemption is 3,000, which can be converted for 1,000 Mabuhay miles⁸.

Bear in mind that although you can convert your points to miles to travel overseas, using your UnionBank Miles+ Visa Signature card when you’re abroad may not be the best idea. Whenever you use your UnionBank Miles+ Visa Signature card to spend in a foreign currency you’ll be charged a foreign transaction fee of up to 3.525%. This pushes up your costs every time you travel, which means your money may not go as far as you think.

If you’re spending in a foreign currency and the merchant offers to bill you in PHP you’ll still end up paying. There’s a 1% UnionBank fee in this case, on top of likely fees and charges levied by the merchant.

The good news is that you could choose to use your UnionBank Miles+ Visa Signature card for spending in the Philippines and then get a different card to use when you travel, like the Wise card.

Remember to bring along the Wise card - To worry less about additional fees and focus more on your travel experiences

The Wise card lets you spend in 40+ currencies at the mid-market rate including USD, SGD, GBP, and JPY so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up PHP to get started.

A physical Wise card can be ordered for a low fee of 369.60 PHP. Having a physical Wise card allows you to make chip and pin payments, as well as 2 free ATM withdrawals to the value of 12,000 PHP each month, before low fees start.

While abroad, you can choose to spend directly in PHP and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.57%.

Save while you spend, and make overseas spending seamless with a Wise card.

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1. UnionBank Miles+ Visa Signature
2. Union Bank credit cards
3. UnionBank Miles+ Visa Signature requirements
4. UnionBank card fees
5. UnionBank card terms
6. UnionBank lounge access
7. UnionBank rewards program
8. Mabuhay Miles conversion