UniBank Credit Cards

Compare UniBank credit cards and their interest rates, fees, and benefits. Be informed about your next credit card.

By   |   Updated 7 Mar 2024

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Comparing UniBank credit cards

UniBank Visa Credit Card

On website

Highlights

  • Get an introductory rate of 7.90% p.a. on balance transfers and purchases (reverts to 11.50% p.a.).
  • No annual fee for life and flexible credit limits from $1,000 to $25,000.
  • Enjoy up to 55 days interest-free days.

Pros

  • $0 annual fee.
  • Low ongoing rates of 11.50% p.a.
  • Introductory offers on purchases and balance transfers for 6 months at discounted rate of 7.90% p.a.
  • Additional cardholders at no extra cost.

Cons

  • No rewards program.
  • No other perks and privileges.

UniBank offers a variety of credit cards designed to suit different needs and lifestyles. From low-interest rates to rewards programs, UniBank credit cards provide flexibility and convenience for everyday spending. Whether you're looking for a card with no annual fee or one that earns you points on every purchase, UniBank has options to cater to your preferences.

Benefits of UniBank Credit Cards

UniBank credit cards come with a range of benefits that make them a popular choice among consumers. Here are some key advantages of choosing a UniBank credit card:

  • Low-interest rates: UniBank offers competitive interest rates on its credit cards, making it an affordable option for those who carry a balance.
  • Rewards programs: Some UniBank credit cards come with rewards programs that allow cardholders to earn points on every purchase. These points can be redeemed for various rewards like cashback, travel vouchers, or gift cards.
  • No annual fees: Certain UniBank credit cards waive the annual fee, saving cardholders money on recurring charges.
  • Security features: UniBank credit cards come with advanced security features like chip technology and fraud protection to keep your transactions secure.
  • Additional perks: Depending on the card you choose, you may enjoy additional perks such as complimentary insurance coverage, extended warranties on purchases, and access to exclusive events.

Types of UniBank Credit Cards

UniBank offers a range of credit cards to cater to different financial needs and preferences. Here are some of the popular types of UniBank credit cards:

  • Low Rate Credit Card: Ideal for those looking to save on interest charges, this card offers a low ongoing interest rate for purchases and balance transfers.
  • Rewards Credit Card: Earn points on every dollar spent and redeem them for a wide range of rewards, including cashback, travel, merchandise, and gift cards.
  • Platinum Credit Card: Enjoy premium benefits such as complimentary travel insurance, concierge services, and exclusive access to events with a UniBank Platinum credit card.
  • Student Credit Card: Designed for students, this card offers low fees and flexible repayment options to help students manage their finances responsibly.

How to Apply for a UniBank Credit Card

Applying for a UniBank credit card is a simple and straightforward process. Here are the general steps you need to follow to apply for a UniBank credit card:

  1. Research: Evaluate the different UniBank credit card options available and choose the one that best suits your needs.
  2. Check eligibility: Ensure you meet the eligibility criteria, which may include minimum income requirements, credit history, and residency status.
  3. Apply online: Visit the UniBank website or visit a branch to apply for the credit card online. Fill out the application form with your personal and financial details.
  4. Submit documents: You may be required to submit supporting documents such as proof of income, identification, and address verification.
  5. Approval: Once your application is processed, UniBank will review your information and either approve or decline your application.
  6. Receive your card: If approved, you will receive your UniBank credit card in the mail along with instructions on activating and using it.

Managing Your UniBank Credit Card

Once you have been approved for a UniBank credit card, it's important to manage it responsibly to make the most of its benefits. Here are some tips for managing your UniBank credit card effectively:

  • Pay on time: Ensure you pay at least the minimum amount due on your credit card by the due date to avoid late payment fees and negative impacts on your credit score.
  • Monitor your spending: Keep track of your credit card spending to stay within your credit limit and avoid overspending.
  • Utilize rewards: If your card offers rewards, make sure to redeem them regularly to maximize the value of your purchases.
  • Review statements: Regularly review your credit card statements to check for any discrepancies or unauthorized charges.
  • Contact customer service: If you have any questions or concerns about your UniBank credit card, don't hesitate to contact UniBank's customer service for assistance.

Help choosing a UniBank credit card

Unlock personalized guidance to select the ideal UniBank credit card, tailored to your financial goals and lifestyle preferences.

  • FAQs

How can I check my UniBank credit card balance online?

To check your UniBank credit card balance online, log in to your UniBank internet banking account and navigate to the credit card section. You will be able to view your current balance, available credit limit, recent transactions, and payment due date.

What should I do if my UniBank credit card is lost or stolen?

If your UniBank credit card is lost or stolen, contact UniBank immediately to report it. UniBank will block your card to prevent unauthorized use and guide you through the process of ordering a replacement card.

Can I set up recurring payments on my UniBank credit card?

Yes, you can set up recurring payments on your UniBank credit card for regular bills and subscriptions. Log in to your UniBank internet banking account to schedule recurring payments for hassle-free bill payments.

How can I increase my UniBank credit card limit?

To increase your UniBank credit card limit, you can contact UniBank's customer service and request a credit limit increase. UniBank will review your financial circumstances and credit history before approving the request.

Does UniBank credit card offer travel insurance?

Some UniBank credit cards, such as the Platinum credit card, may offer complimentary travel insurance as a perk. Check the terms and conditions of your UniBank credit card to see if travel insurance is included and the extent of coverage provided.