UnionBank Lazada Credit Card review, fees and requirements
People who shop on Lazada often. Only worth it if Lazada is a big part of your spending.
Benefits of the Lazada Credit Card
UnionBank doesn’t publish benefits we could confirm. Check the card page before you apply.
People who shop on Lazada often.
Only worth it if Lazada is a big part of your spending.
What it costs
- Annual fee
- ₱3,000/yr
- Supplementary card
- Ask the bank
- Interest
- Up to 3% a month (BSP cap)Only if you don’t pay the full balance by the due date
- Late payment
- Ask the bank
- Cash advance
- Ask the bankPlus interest from day one
- Foreign currency
- Ask the bank
What UnionBank asks for
- Gross income of about ₱30,000 a month (₱360,000 a year)
- No existing credit card needed
- A valid government ID and proof of income (payslips, COE or BIR Form 2316; ITR if self-employed)
- Age 21 or older is the usual rule for principal cardholders; check the bank’s form
Approval is the bank’s call. Applying where your salary or savings already are helps.
Cards to compare with the Lazada Credit Card
Similar cards from other banks, and the next level up.
Points on online shopping and dining with a mid-level income rule.
- 1 point for every ₱20, points never expire
- 2× points on online, department store and dining spend
- Redeem for eGCs, miles or donations
- Annual fee
- Ask the bankWaived under a current Metrobank offer (listings); ask for the regular fee
- Income needed
- ~₱29,200/moMetrobank
The fee waiver is a promo. Ask whether it is for life or only the first year.
See it on Metrobank Partly from the bank · confirm the rest · November 2026Families who spend a lot on groceries.
- 4% cashback at supermarkets
- 1% cashback at drugstores and on utilities
- 0.3% cashback on other local spend
- Annual fee
- ₱2,050/yrBPI fee table
- Income needed
- ₱15,000/moFrom listings; ask BPI
Cashback has caps. Check BPI’s maximum against what you really spend at the supermarket.
See it on BPI Partly from the bank · confirm the rest · November 2026A mid-tier card from Security Bank.
- Annual fee
- ₱2,500/yr
- Income needed
- ₱30,000/mo₱360,000 a year
Figures from a 2025 fee table; confirm with Security Bank.
See it on Security Bank From comparison listings · confirm with the bank · November 2026
UnionBank Lazada Credit Card: questions
₱3,000 a year for the principal card. Many banks waive it if you ask, use the card regularly or redeem points.
About ₱30,000 a month (₱360,000 a year), per comparison listings; confirm with UnionBank. Banks also look at your credit record and existing cards.
It can be, if your income clears the rule, but most people start with a no-fee card and move up after 6 to 12 months of paying in full.
How this page works. Figures come from public comparison listings, checked November 2026. Banks change fees and rules and decide approvals case by case, so confirm on UnionBank’s page before you apply. If the button above is a partner link it says so; PesoPilot may earn a fee when an application is approved, at no cost to you, and it never changes what we say about a card. Educational, not financial advice.