Side-by-side · honest numbers
Petron BPI Card vs UnionBank Cash Back Visa Platinum
Honest side-by-side comparison of Petron BPI Card, UnionBank Cash Back Visa Platinum — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Petron BPI Card
BPI
UnionBank Cash Back Visa Platinum
UnionBank
Your adjusted comparison
| Feature | Petron BPI Card BPI | UnionBank Cash Back Visa Platinum UnionBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱1,550 | ₱4,500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₱15,000/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₱443/yr | ₱2,029/yr |
| Groceries (offline) | — | ₱8,000 × 6% = ₱480/mo (₱5,760/yr) · issuer max ₱1,250/mo |
| Fuel | ₱4,000 × 3% = ₱120/mo (₱1,440/yr) · issuer max ₱1,250/mo | — |
| Utilities & bills | — | ₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo |
| Top reward rate | 3% cashback | Up to 6% cashback |
| Primary reward cap | ₱1,250 rewards/mo cap | ₱1,250 rewards/mo cap |
| Key exclusions | Non-fuel purchases | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/ph/en/compare/bpi-petron-vs-unionbank-cashback-visaReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, UnionBank Cash Back Visa Platinum leads Petron BPI Card by about ₱2,472/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₱35,000/mo
₱35,000/month total spend — typical Philippines user
Groceries ₱8,000 · Online ₱7,000 · Dining ₱5,000 · Fuel ₱4,000 · Bills ₱3,500
| Feature | Petron BPI Card BPI | UnionBank Cash Back Visa Platinum UnionBank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₱1,550 | ₱4,500 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₱15,000/mo | ₱15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₱443/yr | ₱2,029/yr |
| Groceries (offline) | — | ₱8,000 × 6% = ₱480/mo (₱5,760/yr) · issuer max ₱1,250/mo |
| Fuel | ₱4,000 × 3% = ₱120/mo (₱1,440/yr) · issuer max ₱1,250/mo | — |
| Utilities & bills | — | ₱3,500 × 2% = ₱70/mo (₱840/yr) · issuer max ₱500/mo |
| Top reward rate | 3% cashback | Up to 6% cashback |
| Primary reward cap | ₱1,250 rewards/mo cap | ₱1,250 rewards/mo cap |
| Key exclusions | Non-fuel purchases | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Petron BPI Card has the lowest annual fee at ₱1,550.
- Which card earns more on moderate spend?
- UnionBank Cash Back Visa Platinum leads with an estimated ₱2,029/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Petron BPI Card lists a minimum monthly income of ₱15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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