UnionBank Lazada Debit Card Review: Worth It for Online Shoppers?

If Lazada is your playground and flash sales feel like your sport, then the UnionBank Lazada Debit Card might just be the MVP in your shopping lineup. Think of it as your ultimate checkout sidekick—seamless, rewarding, and made for the digital hustle.

In a sea of debit cards that just take your money and wave goodbye, this one gives a little wave back. It's not just plastic in your wallet—it’s a smart shopping tool that knows how to stretch your peso.

A growing number of savvy online spenders are discovering it through platforms like Finmerkado, where they’re not just looking for a card—they’re looking for one that works as hard as they shop.

But is it just another branded gimmick, or is there real value under the hood? Let’s break it down.

This isn’t your average debit card that just pays and goes.

The UnionBank Lazada Debit Card is a Visa (or Mastercard) debit card that combines UnionBank’s digital banking strength with exclusive Lazada perks—like vouchers, special discounts, and even cashback promos on select purchases.

It’s linked directly to your UnionBank savings account, which means no top-ups needed. And since it’s fully online, you can apply, track, and manage everything straight from your phone.

Whether you’re hoarding budols or just topping up your Lazada Wallet, this card lets your spending actually do something.

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Earn Rewards While You Shop

One of the main reasons people get this card? Lazada-specific rewards. UnionBank has partnered with Lazada to offer periodic promos—like ₱100 off for every ₱1,000 spent or exclusive vouchers for cardholders.

It’s not points-based like other cards. Instead, the perks are instant: spend, save, repeat.

Compared to traditional debit cards (which offer zero rewards), this one at least throws a little something back for your loyalty. And unlike credit cards, there are no annual fees or interest charges to worry about.

Link It to Your Lazada Wallet

You can link the card directly to your Lazada Wallet for quicker checkout, easier refunds, and centralized tracking. That means no juggling between cards or bank apps—you shop, pay, and monitor everything in one ecosystem.

No Annual Fee, No Credit Check

UnionBank designed this card to be accessible. You don’t need a high income, a perfect credit score, or even a big initial deposit. No annual fee, no maintaining balance required for the basic account.

Perfect for younger users or those transitioning from e-wallets to a more bank-based setup.

Use It Anywhere Visa Is Accepted

It may be Lazada-branded, but it works globally. Use it for:

• Netflix subscriptions
• International online shops like Amazon
• Cash withdrawals (local and abroad—just be mindful of ATM fees)

So yes, it’s built for Lazada—but flexible enough for everything else.

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Pros

• Lazada-exclusive discounts and vouchers
• Fully digital application
• Works globally (Visa/Mastercard)
• No annual fees or hidden charges
• Instant virtual card issuance

Cons

• Rewards are focused mainly on Lazada purchases
• ATM fees may apply if using non-UnionBank machines
• No cashback or points for offline purchases

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This card is best for:

• Lazada superusers who regularly shop during sales
• Budget-conscious buyers who want perks without credit risk
• UnionBank app users looking for online convenience
• Digital-first shoppers ready to move past e-wallets

If you’re someone who checks Finmerkado to compare cards before applying (as you should!), you’ll notice this card stands out for one clear reason: it gives back on purchases you’re probably already making.

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Getting started is easy and all-online:

1. Download the UnionBank Online app
2. Tap “Open an Account” and choose the Lazada Debit Card
3. Submit a valid government ID and take a quick selfie
4. Wait for approval (usually within minutes)
5. Receive your virtual card instantly
6. Physical card will be delivered in a few days

No need for an initial deposit or branch visit—just an internet connection and a few minutes of your time.

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While Maya has higher cashback ceilings, it’s usually capped monthly and harder to track. The Lazada card offers consistent savings, especially if you’re shopping during campaign periods like 6.6, 8.8, or 11.11.

Final Thoughts: Is It Right for You?

Let’s be real—if Lazada isn’t already your second home, it’s at least your weekend habit. So why not make your spending work for you? The UnionBank Lazada Debit Card doesn’t just go along for the ride—it gives your online splurges a little something in return.

No confusing points. No strings tied to credit. Just a clean, convenient way to shop smarter—whether you’re chasing deals at midnight or casually topping up your cart during lunch.

It’s not the loudest card in the rewards parade, but it quietly delivers on what matters: no annual fees, instant perks, and zero drama. In a world full of flashy plastic, this one’s all about function with just the right touch of flair.

Thinking of leveling up later? If you ever want higher cashback, bigger rewards, or the ability to split big purchases into installments, a credit card might be your next move. Many Filipinos start with a debit card to build smart habits—then upgrade when they’re ready for more financial flexibility.

Still weighing your options? Head to Finmerkado and stack this card side-by-side with other debit and prepaid choices. If you’re ready to level up your payment game without crossing into credit territory, this is your low-risk, high-reward move.

Next time you hit “Add to Cart,” why not earn a little something back? Click here to apply for the UnionBank Lazada Debit Card today—and start turning your checkout habit into actual wins.

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