#1-₱291/yr
UnionBank Shell Power Visa Platinum
Up to 5% cashback · Fuel Masters
Best net value on this list — about -₱291/yr in your pocket after fees on typical spends.
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Age 21–65 · From ₱15,000/mo income · Unsecured
Fuel Masters·BPI
BPI product page: 3% Petron fuel, ₱15k/yr cap, fee ₱1,550 from Y2. Non-fuel = 0% rebate.
Age 21–65 · From ₱15,000/mo income · Unsecured
Key Benefits
All 7 benefits →Petron fuel
3% cashback
₱15,000/year cap
Non-fuel spends
No cashback
Petron fuel
3%
cashback (cap ₱15,000/year cap) — Any Petron station nationwide
Non-fuel spends
No
cashback
High annual fee — may not pay off at moderate spend
At ₱35,000/mo, net value is -₱443/yr after fees. It turns positive around ₱48,987/mo — and at heavy spend (₱80,000/mo) we estimate ₱220/yr.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-07-30
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Petron BPI Card product page (fact-checked Jul 2026)
BPCL, IOCL & surcharge waivers
Source: Petron BPI Card product page (fact-checked Jul 2026)
Petron fuel
Any Petron station nationwide
3% cashback
Cap: ₱15,000/year cap
Example: ₱10,000/mo spend → ≈ ₱300/mo
Non-fuel spends
No cashback
Forex markup
1.85%
Based on moderate spend for this market
Est. net annual
-₱443
per year
Annual fee
₱1,550
per year
Effective return
-0.1%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₱1,550 · Forex 1.85% — tap for full fees
Joining fee
Charged in first year
₱1,550
Annual / renewal fee
Charged every year unless waived
₱1,550
Forex markup
1.85%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–65 years · ₱15,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₱35,000/mo), gross rewards are about ₱1,440/year. After the ₱1,550 annual fee, net value is approximately -₱443/year. Use the calculator above to model your own spends.
₱15,000/month for salaried applicants (indicative — bank decides).
Non-fuel purchases.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.