Earn up to P3,000 cashback at SM Store with your UnionBank Credit Card!

A cardholder can get only one (1) cashback during the promo run.- Promo Registration: 1. To qualify for the SM Store Shopping Treats For U Promo (“Promo”), the Cardholder must register and create an account on the UnionBank Treats Hub (“Promo Wallet”) website (www.unionbankph.com/ubtreatshub) and click the “Join Now” button of the Promo during the registration period. A unique Registration Code will be sent to him/her through a UnionBank-registered mobile phone number/email address together with the Promo Wallet URL via an SMS/e-mail. Upon accessing the site, he/she must input his/her Registration Code, the last four (4) digits of his/her active UnionBank Credit Card, a valid email address, and a valid mobile number.

For full details on how to navigate the Promo Wallet, you may visit [www.unionbankph.com/ubtreatshub](https://www.unionbankph.com/ubtreatshub). 2. After successfully registering for the Promo Wallet, the Cardholder should join the Promo by clicking the “Join Now” button. Only cardholders who both successfully registered for the Promo Wallet (where the Registration Code entered matches the correct last four (4) digits of active UnionBank Credit Card) and clicked the “Join Now” button of the Promo will qualify for the said Promo. Cardholders who successfully registered for the Promo Wallet AND joined the Promo will receive an email confirmation containing their registration details at the email address they used to register for the Promo Wallet. 3. UnionBank will not be able to change, reset, or alter any registration information once these are submitted by the Cardholder in the Promo Wallet website. The Cardholder shall be responsible for the safekeeping of his/her registration information. 4. Only Cardholders that are active and in good credit standing with available relationship limit and account credit limit, with no unpaid and/or delinquent accounts, shall be eligible to participate in the Promo. 5. A Cardholder with the same contact details registered for any of the previous promos as with another cardholder will be required to register again at the Promo Site using a different set of email address and mobile number. The Cardholder, among Cardholders with duplicate contact details, who updated his/her email address and/or mobile number most recently as per UnionBank’s records, will be the one required to register again. Duplicate email addresses and/or mobile numbers may result in ineligibility to earn cashback for this promo. 6. By registering for the Promo, the Cardholder: 1. warrants that he/she is responsible for, voluntarily providing, and consenting to provide his/her personal information and other information that may be required by Giftaway, the third party managing the site for UnionBank, and agrees that any information provided in the Promo website will be subject to the confidentiality, data privacy, and security terms of Giftaway. 2. agrees to receive SMS/text messages or e-mails in relation to the Promo, such as but not limited to SMS or e-mails confirming earning of prizes upon completion of qualified purchases. 3. acknowledges that he/she has read, understood, and agrees, to the Promo’s Terms and Conditions. 7. The Cardholder only needs to create one account on the Promo website. All his/her active Unionbank-issued and acquired credit cards and the qualified retail purchases on those credit cards will be covered by that account.

• A registered Cardholder will be entitled to earn cashback for qualified and posted transactions that meet the accumulated spend requirement specified below and that are charged to the Card within the promo period (“Qualified Spend”).

A cardholder can get only one (1) cashback during the promo run.- The cashback will be awarded and uploaded to the Cardholder’s registered account on the Promo website, based on the schedule below:

Illustration

Registration Date: September 15, 2026 Start earning qualified transactions: September 10, 2026 Cut-off for qualified & posted transactions: November 10, 2026 Cashback Fulfillment: on or before January 10, 2027- The Promo Offers are not valid in conjunction with other discounts, offers, privileges, or promotions.

• UnionBank retains exclusive discretion in determining the eligibility of transactions based on the Promo mechanics. Once a transaction has been deemed eligible for a specific promotion, it cannot be used for any other UnionBank promotion, even if it meets the criteria for such.
• The Promo Offers are not convertible to cash, credit, or other goods and services and not transferable to another Card or to any person.
• The following transactions will not qualify to earn the cashback:
  1. Cash advances (local or international)
  2. Debit/Prepaid
  3. Transactions from stock trading, foreign exchange trading, financial trading services, remittances, and the like.
  4. Quasi-cash transactions such as mobile payment/mobile wallet transactions and online payment system (such as but not limited to GrabPay, GCash, PayMaya, PayPal, Coins.ph, and the like).
     • 4829 Money Transfer – Merchant
     • 6050 Quasi Cash - Customer Financial Institution
     • 6051 Quasi Cash – Merchant
     • 6211 Securities - Brokers/Dealers
     • 6532 Payment Transaction – Customer Financial Institution
     • 6533 Payment Transaction – Merchant
     • 6536 MoneySend Intracountry
     • 6537 MoneySend Intercountry
     • 6538 MoneySend Funding
     • 6540 POI Funding Transactions
     • 6760 U.S. Savings Bonds
     • 8651 Political Contributions
     • 9211 Court Costs including Alimony and Child Support
     • 9222 Fines
     • 9223 Bail and Bond Payments
     • 9411 Gov. Loan Payments
  5. Transactions from casinos/gambling/gaming
     • 7800 Gambling - Government-owned Lotteries
     • 7801 Gambling - Government-Licensed Casinos (Online or Internet Gambling)
     • 7802 Gambling - Government-Licensed Horse/Dog Racing
     • 7995 Gambling Transactions / Betting
     • 9754 Gambling - Horse, Dog Racing, State Lottery
  6. Any in-house installment availment such as EasyCash, EasyTransfer, EasyConvert, EasyBill, EasyPayment and EasyCharge
  7. Fees & charges, such as but not limited to:
     • Annual fee(s)
     • Interest & late charges
     • Cash advance fee
     • Overlimit fee
     • Gaming/Cryptocurrency/Quasi-cash Fee
     • Purchases for business transactions such as:
       1. Direct or Multi-level marketing
       2. Merchants engaged in wholesale and distribution such as but not limited to these MCCs:
          1. 5960 Direct Marketing - Insurance Services
          2. 5963 Door-to-Door Sales
          3. 5964 Direct Marketing - Catalog Merchant
          4. 5965 Direct Marketing - Combination Catalog and Retail Merchant
          5. 5966 Direct Marketing - Outbound Telemarketing Merchant
          6. 5967 Direct Marketing - Inbound Teleservices Merchant
          7. 5968 Direct Marketing - Continuity/Subscription Merchant
          8. 5969 Direct Marketing - Other Direct Marketers (Not Elsewhere Classified)
     • Transactions that were subsequently cancelled or refunded
     • The following MCCs are also excluded:
       1. 4814 Telecommunication Services
       2. 4900 Electric, Gas, Sanitary, Telephone or Water Utilities
       3. 5541 Gas/Service Stations with/without Ancillary Services
       4. 5172 Petroleum and Petroleum Products
       5. 5542 Automated Fuel Dispensers
       6. 5983 Fuel Dealers (Fuel, Oil, Wood, Coal, Lique)
       7. 8911 Architectural, Engineering and Surveying Services
       8. 8931 Accounting, Auditing and Bookkeeping Services
• The amount of cashback is based on all qualified purchases across all of the Cardholder’s cards, including supplementary cards. The maximum limit is set per Cardholder, regardless of the number of cards a Cardholder has.
• The Supplementary Card’s purchases will earn cashback for the Principal Cardholder if the Principal Card is qualified and has successfully registered for the Promo. The eligibility of the Supplementary Cardholder’s purchases to earn cashback is dependent on the Principal Card’s credit standing.
• To earn cashback, the Cardholder’s Card account/s must be active and without any past due obligation during the Promo Period until the awarding of the cashback. Unpaid and/or delinquent accounts will not be eligible for the Promo.
• By joining the promo, the Cardholder:
  1. Warrants that they are responsible for and voluntarily providing, and consenting to provide their personal information and other information that may be required by Giftaway Inc., the third party managing the site for UnionBank, and agrees that any information provided in the Promo website will be subject to the confidentiality, data privacy, and security terms of Giftaway, Inc.
  2. Agrees to receive SMS/text messages or e-mails in relation to the Promo, such as but not limited to SMS or e-mails confirming earning of eGift upon completion of qualified transactions.
  3. Acknowledges that they have read, understood, and agrees, to the Promo’s Terms and Conditions.
• A Cardholder will be disqualified from the Promo in the event that his/her UnionBank credit Card/s is unpaid, become/s delinquent, or is suspended, cancelled, or terminated, before the awarding of the cashback.
• The Cardholder agrees that should his/her redemption be found to be fraudulent in nature or should his/her earning of the cashback found to be a result of splitting of transactions, UnionBank shall have the right to charge the total face value of the cashback to the Cardholder’s Card.
• UnionBank is not an agent of Giftaway and any Giftaway merchant and makes no representation as to the quality of the goods and services provided. All feedback regarding the quality of the goods and services provided should be directed to Giftaway and any Giftaway merchant.
• In case of dispute regarding the Cardholder’s eligibility, coverage of dates, etc., UnionBank’s decision will prevail, with concurrence of DTI. All questions or disputes regarding the Cardholder’s eligibility for the Promo or for any request will be resolved by UnionBank.
• This promo is subject to the following UnionBank terms and conditions: PayEasy Terms and Conditions, PayEasy Enabled by Global Payments Terms and Conditions and 0% Installment Terms and Conditions. To access the terms and conditions, type https://www.unionbankph.com/ubinstallment into a web browser.

Contact Details

For inquiries or comments, you may contact Union Bank of the Philippines through the following channels:

• Phone: +63 2 8841 8600
• UnionBank Online App: Mailbox > Support > Create New Ticket
• Facebook Messenger: m.me/unionbankph
• X (formerly Twitter): x.com/unionbankph

Other Disclosures

• Fraud, abuse, or any unauthorized action relating to the credit card transaction or the participation in the Promo may result in the disqualification of the Customer from the Promo, or suspension or cancellation of the Card privileges at UnionBank’s discretion. This shall be without prejudice to any legal action that may be taken by UnionBank.
• The Cardholder agrees that the continued use of the UnionBank Credit Card shall be his/her acceptance and Agreement to be bound by the provisions of the Bank’s Data Privacy Statement (DPS) found at https://www.unionbankph.com/privacy-security.
• By availing the Promo offer, the Cardholder is responsible for providing his/her personal information and other information that may be required to the Merchant and agrees that such information shall be subject to the confidentiality, data privacy, and security terms of the Merchant. The general terms and conditions of the Merchant apply.
• Any amendment in the Terms and Conditions governing the Promo is subject to prior Department of Trade and Industry (DTI) approval.
• In case of dispute with respect to the Cardholder’s eligibility, coverage of dates, and fulfilment, UnionBank’s decision with the concurrence of DTI shall be considered final. Disputes concerning the promo will only be considered valid if submitted within sixty (60) banking days after the end of the promo period.

Per DTI Fair Trade Permit No. FTEB-266503, Series of 2026.

Union Bank of the Philippines is regulated by the Bangko Sentral ng Pilipinas (https://www.bsp.gov.ph). For more info, please visit our website or contact us at (+632) 8841-8600.

List of Participating Branches