#1-₱443/yr
Petron BPI Card
3% cashback · Fuel Masters
Best net value on this list — about -₱443/yr in your pocket after fees on typical spends.
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Fuel Masters·UnionBank
Fee/rates aligned to MoneyMax + Shell PH product page. Gold is cheaper fee / may differ on rebate.
Age 21–65 · From ₱15,000/mo income · Unsecured
Key Benefits
All 7 benefits →Shell fuel, toll/RFID & auto services
Up to 5% cashback
₱15,000/year cap
Other retail
0.20% cashback
Shell fuel, toll/RFID & auto services
Up
to 5% cashback (cap ₱15,000/year cap) — No outstore spend gate
Other retail
0.20%
cashback
High annual fee — may not pay off at moderate spend
At ₱35,000/mo, net value is -₱291/yr after fees. It turns positive around ₱39,056/mo — and at heavy spend (₱80,000/mo) we estimate ₱1,610/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: UnionBank Shell Power Visa Platinum — MoneyMax + Shell PH (fact-checked Jul 2026)
BPCL, IOCL & surcharge waivers
Source: UnionBank Shell Power Visa Platinum — MoneyMax + Shell PH (fact-checked Jul 2026)
Shell fuel, toll/RFID & auto services
No outstore spend gate
Up to 5% cashback
Cap: ₱15,000/year cap
Example: ₱10,000/mo spend → ≈ ₱500/mo
Other retail
0.20% cashback
Example: ₱10,000/mo spend → ≈ ₱20/mo
Forex markup
3.53%
Based on moderate spend for this market
Est. net annual
-₱291
per year
Annual fee
₱2,800
per year
Effective return
-0.1%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₱2,800 · Forex 3.53% — tap for full fees
Joining fee
Charged in first year
₱2,800
Annual / renewal fee
Charged every year unless waived
₱2,800
Forex markup
3.53%
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 ₱3,144/year. After the ₱2,800 annual fee, net value is approximately -₱291/year. Use the calculator above to model your own spends.
₱15,000/month for salaried applicants (indicative — bank decides).
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Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.