pnb diamond unionpay

PNB Diamond UnionPay

Minimum Annual Income


(P10,000 Monthly)

Interest Rate


Annual Fee


Product Summary

pnb diamond unionpay

PNB Diamond UnionPay

Travel to your heart’s delight and immerse yourself in the beautiful cultures and traditions of Asia with the PNB Diamond UnionPay. And with exclusive features like World Assist that guarantees your safety and comfort, there’s no better travel companion.
  • Earn 1 rewards point for every ₱70 you spend
  • No annual fees for life for your supplementary cards
  • Earn rewards points that you can exchange for Mabuhay Miles and Cash Credits
  • Get exclusive discounts and perks from UnionPay TravelMate Asia partner merchants
  • Shop securely with Card Protect
  • Ideal for: frequent travelers to countries in Asia
Existing Credit CardNot Required
Landline numberNot Required
Age21 to 65 years old
Minimum Annual IncomeP120,000
Regular Employee
Proof of income1
Government-issued ID1
Signed Certificate of Employment1
Annual FeeP3,000 / year
Annual Fee Waiver Yes
Monthly Effective Interest Rate2%
Cash Advance Fee5%

Is this the right product for you?

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Why Choose PNB Diamond UnionPay?

Travel benefits are the main focus of the PNB Diamond UnionPay, especially if you wish to travel throughout Asia. Does this credit card have the travel features you need? Find out more in this short review.

Convert your rewards to Mabuhay Miles or cash credits

Go buy that dress or that new gadget with your PNB Diamond UnionPay and earn 1 reward point for every ₱70 spend. Indulge the traveler in you by choosing Mabuhay Miles as your reward or pick cash credits instead. Points conversion are:

  • 1 reward point earns you 1 Mabuhay Mile
  • 4 reward points earn you ₱1 cash credit

Convert straight payments to installment plans

It’s a pain to realize that you could’ve paid for an item in installments right after you’ve paid in full. Good thing you can easily convert straight purchases to installments with the PNB Diamond UnionPay. The only additional payment is a low add-on interest of 1%.

Travel around Asia and enjoy exclusive offers

Ever wanted to travel around Asia? Now’s the perfect time by availing of the UnionPay TravelMate Asia, a benefit exclusive to the PNB Diamond UnionPay. This feature lets you experience exclusive offers with hundreds of partner merchants all over Asia.

Use your credit card worldwide

Have travel-related queries locally or abroad? Use World Assist, a travel assistance hotline that includes a domestic concierge service to help you with local travel-related concerns. It also has 24-hour emergency medical assistance from International SOS.

Is PNB Diamond UnionPay the Right Card for You?

If you want to be an avid traveler or if you frequently travel all over Asia, then the PNB Diamond UnionPay is your ideal credit card. Not completely sold with its features? Try our card suggestions below:

  • Citi PremierMiles Card. This credit card lets you quickly earn air miles since you get 1 PremierMile for every ₱30 spend. And with every 1.6 PremierMiles, you get to redeem 1 air mile. Take your time collecting because the air miles won’t expire.
  • UnionBank Miles+ Platinum Visa. Stock up on travel items with this credit card since every ₱25 travel-related spend earns you 1.5 reward points. You can still earn points in other categories as every ₱25 spend earns you 1 reward point.
  • Metrobank Travel Platinum Visa. Earn air miles in the simplest of ways with this travel credit card. No need to fuss about multiple reward point names and conversions because you get to earn 1 air mile for every ₱17 spend.


You can avail of the Domestic Concierge Service when making travel, entertainment, or dining reservations, as well as the Comprehensive International SOS, which is a 24-hour emergency medical and travel assistance. To avail, call (02) 8687-8577 or email at

If you’re 21 to 65 years old and earning at least ₱120,000 a year, then yes, you’re qualified for this PNB credit card.

Mabuhay Miles can be redeemed in blocks of 2,000 rewards points. Earn 1 rewards point for every ₱70 you spend with your PNB Diamond UnionPay. One rewards point is equivalent to 1 Mabuhay Mile.

Yes, just download and accomplish the Balance Transfer Request Form and email it to together with the credit card’s two latest Statements of Account.

The minimum amount to avail of the Convert to Cash Program is ₱5,000. Available terms are 3, 6, 12, 24 and 36 months.


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