u/Excellent-Hamster-93

Hi!

Recently got a UnionBank Miles+ Visa Signature. Also currently have the BDO AMEX Explorer. I’m trying to figure out the best way to optimize both instead of having overlapping use cases.

Features:
UnionBank Miles+ Visa Signature — ₱48 = 1 mile, ~3.5% forex
BDO American Express Explorer — ₱30 = 1 mile, ~1.85% forex

Naiisip kong current game plan:
- AMEX Explorer for foreign/overseas spend (better earn + lower forex)
- UB Miles+ for PayDirect
- and then use whichever kung alin ang may promo

For local everyday spend (dining, groceries, shopping, utilities), what’s the best way to split usage?

Would appreciate any advice! most esp from those running a similar setup (maintaining two or more miles cards). Thanks!

Hi!

Recently got a UnionBank Miles+ Visa Signature. Also currently have the BDO AMEX Explorer. I’m trying to figure out the best way to optimize both instead of having overlapping use cases.

Features:
UnionBank Miles+ Visa Signature — ₱48 = 1 mile, ~3.5% forex
BDO American Express Explorer — ₱30 = 1 mile, ~1.85% forex

Naiisip kong current game plan:
- AMEX Explorer for foreign/overseas spend (better earn + lower forex)
- UB Miles+ for PayDirect
- and then use whichever kung alin ang may promo

For local everyday spend (dining, groceries, shopping, utilities), what’s the best way to split usage?

Would appreciate any advice from those running a similar setup. Thanks!

hi! just wondering if may naka experience na nito — im an existing UB customer. here’s a timeline of events:

May 6 - applied for a credit card l
May 8 - noticed that a virtual card of the card i applied for has been added to my list of accounts sa UB online app

however until now, no email yet of approval or even text. just want to ask if the fact na may virtual card na sa app ko means approved na ako? and if yes, does it really happen na late lang notif/email/text of approval?

ty

Hi! Will be traveling from US to Manila with a 10hr layover in Taipei. PH passport holder. Just want to ask if there is anything I need to secure/prepare in advance before I am able to leave the airport and roam around the city before my Taipei-Manila flight? Or do I just have to clear immigration as usual, since Filipinos are still visa-free until July 2026?

Thanks! :)