UnionBank S&R Co-Brand Credit Card


Earn more every time you shop at S&R, dine & spend anywhere — with NO ANNUAL FEES

Frequently Asked Questions (FAQs)

What is the UnionBank S&R Co-Brand Credit Card?

The UnionBank S&R Co-Brand Credit Card is a rewards credit card designed exclusively for S&R members. It lets you earn rebates every time you shop at S&R, dine, or make everyday purchases.

Who is eligible to apply for the card?

To apply, you must:

  1. Be an active S&R primary member

  2. Be at least 21 years old

  3. Submit a valid government-issued ID

  4. Have a regular source of income

  5. Meet UnionBank’s credit evaluation requirements

Approval is subject to UnionBank’s assessment and policies.

How do I earn rebates using the card?

Cardholders earn UNLIMITED rebates based on their spending:

  • 3% rebates on S&R in-club purchases

  • 1% rebates on dining and shopping transactions

  • 0.5% rebates on all other qualified spend

Rebates are automatically accumulated with every eligible transaction.

Is this also my S&R membership card?

Yes, this is a credit card and membership card in one. However, there are a few things to keep in mind:

  • For S&R Warehouses: You may use this credit card for entry and checkout.

  • For the S&R SuperApp: This card may be linked to the super app.

  • For Partners & Standalone Pizza Outlets: We recommend keeping your old S&R membership card with you. Some partners, like Unioil stations and some S&R Pizza branches, may still require the S&R membership card to process discounts.

a. What will happen to my S&R membership card when I get my UnionBank S&R Co-Brand Credit Card?

Once you activate and use your UnionBank S&R Co-Brand Credit Card at any S&R branch, your old S&R membership card will remain active but the co-brand card may already serve as your primary proof of membership.

If you forgot to bring your UnionBank credit card, you may still present your S&R membership card. For Unioil gas stations, the S&R membership card is still shown to avail of the fuel discount, while the UnionBank card may be used for payment and to earn 0.5% rebate on gas purchases.

What are the special rewards and perks?

Complete your application at any in-store booth to receive an instant treat:

  • New-to-Credit Applicants: Get two (2) FREE S&R Iced Coffee vouchers upon completion.

  • Existing Credit Cardholders: Get one (1) FREE whole 18" S&R Pizza voucher upon completion.

*The issued voucher must be redeemed within 60 days from the date of issuance. Vouchers not redeemed within the validity period will be considered expired and will no longer be honored. Promo offers are subject to change without prior notice and may vary based on the current campaign mechanics.

Other perks included are:

How are rebates redeemed?

Accumulated rebates can be converted into S&R e-vouchers based on your qualified rebate amount, available in the following denominations:

₱500
₱1,000
₱2,500
₱5,000
₱10,000
Up to ₱20,000

Minimum redemption and increments apply. These vouchers can be used in any S&R clubs, subject to current terms and redemption channels.

Does the card have an annual fee?

No! There is no annual credit card fee — ever. Only your S&R membership fee (charged annually) is automatically billed to the card.

How do I apply for the UnionBank S&R Co-Brand Credit Card?

You can apply:

  1. At designated UnionBank application booths inside S&R clubs

  2. Through UnionBank’s official online application channels, when available

Applicants must present an active S&R membership card (must be a primary member), a valid government ID, and other required documents.

How long does the application and approval process take?

Application processing time may vary depending on document completeness and credit evaluation. UnionBank will notify applicants regarding the status of their application once processing is completed.

Can I use the UnionBank S&R Co-Brand Credit Card outside S&R?

Yes. The card can be used for local and international transactions wherever accepted, allowing you to earn rebates even on non-S&R purchases.

How do I manage my credit card account?

Cardholders can manage their account through UnionBank’s digital platforms, where they can:

  1. View transactions and balances

  2. Track rebates

  3. Receive real-time alerts

  4. Access security and card management features

Are rebates, rewards, and benefits subject to change?

Yes. All rebates, rewards, and promotional offers are subject to UnionBank’s terms and conditions and may be modified or discontinued with prior notice.

What happens to my S&R membership if I cancel my UnionBank S&R Co-Brand Credit Card?

Canceling your credit card will only deactivate its payment feature; your S&R membership remains fully active until it expires.

  • Club Entry & Shopping: You can still present the same credit card to enter the club and shop.

  • Payment: The credit card can no longer be used to pay for your purchases. You will need to use an alternative payment method at the register.

  • Replacement: Once the membership linked to the credit card expires, you may visit the membership counter at any S&R branch if you prefer to switch to a standard S&R membership card.

Who can I contact for questions about my card or rebates?

For concerns related to:

  1. Card usage, billing, or rebates – please contact UnionBank Customer Service

  2. S&R membership or voucher usage – email at [email protected]

 

To know more about this card, visit UnionBank S&R Credit Card. Easily reach out to UnionBank support through the UnionBank Help Center.