Bpi Petron vs Unionbank Shell Power — Philippines (2026)
Side-by-side comparison of Bpi Petron and Unionbank Shell Power for Philippines users. Fees, rewards, and who each card suits best. Winner ranked by net value on a moderate spend profile — fees and caps included. Winner ranked by net value on a moderate spend profile — fees and caps included.
Updated 30 July 2026·2 cards · 3 min scan·CardHungry
Top pick · UnionBank Shell Power Visa Platinum
Net / yr
-₱291
Annual fee
₱2,800
Return
-0.1%
Comparison
Net annual value · moderate spend
Comparison winner: UnionBank Shell Power Visa Platinum, -₱291 per year net
UnionBank Shell Power Visa Platinum
UnionBank
Net / yr
-₱291
Fee
₱2,800
Top
Up to 5% cashback
- ✓Wins this head-to-head — about -₱291/yr net after fees on typical spends.
- ✓Best for shell fuel, toll/rfid & auto services — Up to 5% cashback, up to ₱15,000/year cap.
UnionBank Shell Power Visa Platinum
UnionBank
Net / yr
-₱291
Fee
₱2,800
Top
Up to 5% cashback
- ✓Wins this head-to-head — about -₱291/yr net after fees on typical spends.
- ✓Best for shell fuel, toll/rfid & auto services — Up to 5% cashback, up to ₱15,000/year cap.
Petron BPI Card
BPI
Net / yr
-₱443
Fee
₱1,550
Top
3% cashback
- ✓Strong runner-up at -₱443/yr net — roughly ₱152 behind #1 on the same spend mix.
- ✓Best for petron fuel — 3% cashback, up to ₱15,000/year cap.
Why the other card ranks lower
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at -₱443/yr net — roughly ₱152 behind #1 on the same spend mix.
- Best for petron fuel — 3% cashback, up to ₱15,000/year cap.
- Especially for regular petron fillers.
2Petron BPI CardBPI
- Strong runner-up at -₱443/yr net — roughly ₱152 behind #1 on the same spend mix.
- Best for petron fuel — 3% cashback, up to ₱15,000/year cap.
- Especially for regular petron fillers.
Full review →Net / yr
-₱443
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Wins this head-to-head — about -₱291/yr net after fees on typical spends.
- Best for shell fuel, toll/rfid & auto services — Up to 5% cashback, up to ₱15,000/year cap.
- Rewards (₱3,144/yr) still beat the ₱2,800 fee on this profile.
1UnionBank Shell Power Visa PlatinumUnionBank
- Wins this head-to-head — about -₱291/yr net after fees on typical spends.
- Best for shell fuel, toll/rfid & auto services — Up to 5% cashback, up to ₱15,000/year cap.
- Rewards (₱3,144/yr) still beat the ₱2,800 fee on this profile.
Full review →Net / yr
-₱291
- Strong runner-up at -₱443/yr net — roughly ₱152 behind #1 on the same spend mix.
- Best for petron fuel — 3% cashback, up to ₱15,000/year cap.
- Especially for regular petron fillers.
2Petron BPI CardBPI
- Strong runner-up at -₱443/yr net — roughly ₱152 behind #1 on the same spend mix.
- Best for petron fuel — 3% cashback, up to ₱15,000/year cap.
- Especially for regular petron fillers.
Full review →Net / yr
-₱443
Net value snapshot
Rewards minus annual fee on your spend profile
- #1UnionBank Shell Power Visa Platinum-₱291#1UnionBank Shell Power Visa Platinum-₱291
- #2Petron BPI Card-₱443#2Petron BPI Card-₱443
Before you apply
Neither wins for everyone
bpi petron vs unionbank shell power — the better card depends on where you spend. Use net value on your profile, not headline rates.
Check caps & exclusions
Compare monthly reward caps and excluded categories (rent, wallet, EMI) before picking a winner.
Apply to one first
Each application triggers a CIC enquiry. Choose the leader for your spends, then revisit the other later.
Frequently asked questions
Bpi Petron or Unionbank Shell Power — which is better?+
Neither wins universally. Compare net annual value on your specific spends using our comparison tool. Bpi Petron may win for one profile; Unionbank Shell Power for another.
Can I apply for both cards?+
Possible, but multiple applications close together hurt approval odds. Apply to the best fit first; wait 3–6 months for a second card.
Do these cards have joining fees?+
Varies by channel and variant. See each product page on CardHungry for current joining and annual fees before applying.
How often is this comparison updated?+
Reward rates and fees are re-verified against issuer T&Cs periodically. Net value figures use CardHungry's calculator with current rules.
Is there a third card I should consider?+
Often yes. Browse the catalog or compare a third card optimised for your income and spends — not just these two.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Petron BPI Card vs UnionBank Shell Power Visa Platinum — which credit card is better in 2026? This in-depth comparison covers reward rules, monthly caps, exclusions, annual fees, forex costs, eligibility, and net annual value across light, moderate, and heavy spend profiles. No sponsored ranking: every number comes from CardHungry's transparent calculator.
On this page
- At-a-glance table
- Net value by spend
- Reward rules
- Benefits
- Petron BPI Card
- UnionBank Shell Power Visa Platinum
- Exclusions compared
- Who should pick which
- Spend scenarios
- Before you apply
At-a-glance comparison
| Factor | Petron BPI Card | UnionBank Shell Power Visa Platinum |
|---|---|---|
| Issuer | BPI | UnionBank |
| Annual fee | ₱1,550 | ₱2,800 |
| Min income | ₱15,000/mo | ₱15,000/mo |
| Top reward | 3% cashback | Up to 5% cashback |
| Forex markup | 1.85% | 3.53% |
| Secured option | No | No |
| Moderate NAV winner | UnionBank Shell Power Visa Platinum | — |
Net annual value by spend profile
| Profile | Petron BPI Card | UnionBank Shell Power Visa Platinum |
|---|---|---|
| Light spender net value | -₱830 | -₱1,288 |
| Moderate spender net value | -₱443 | -₱291 |
| Heavy spender net value | ₱220 | ₱1,610 |
Reward rules compared
| Rule | Petron BPI Card | UnionBank Shell Power Visa Platinum |
|---|---|---|
| Reward rule 1 | fuel: 3% (cap ₱1,250/mo) | fuel: 5% (cap ₱1,250/mo) |
| Reward rule 2 | all: 0% | all: 0.2% |
Benefits compared
Petron BPI Card
- 3% fuel rebate at any Petron station nationwide (issuer)
- Max ₱15,000 fuel rebate per year · ₱200 welcome fuel voucher (new principal)
- Fee free Y1 · ₱1,550 from Y2 · non-fuel purchases earn no rebate
- Best only if you fill at Petron regularly
UnionBank Shell Power Visa Platinum
- Up to 5% rebate on Shell fuel, toll/RFID, and auto services (no outstore gate)
- Fee ₱2,800 Platinum (Gold ₱2,500) · income often ₱180k/yr carded / ₱250k non-carded
- Periodic Shell station ₱/L discount promos stack with rebate (T&Cs)
- NAFFL promos sometimes waive fee with ~₱20k spend in 60 days — not modeled as base
Petron BPI Card — full breakdown
Petron BPI Card
Issuer: BPI · Tier: Classic · Annual fee: ₱1,550
Petron co-brand · fuel-only rebates
Eligibility snapshot
- Min monthly income (salaried): ₱15,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIC checked by bank at application, not by CardHungry.
Reward structure
- fuel: 3% cashback — cap ₱1,250/month
- all: 0% cashback
Headline highlight: 3% cashback on Petron fuel (cap ₱15,000/year cap)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₱1,440
- Annual fee: −₱1,550
- Forex markup cost (est.): −₱333 (1.85% on international spends)
- Net annual value: -₱443 (-0.11% effective return)
Key benefits
- 3% fuel rebate at any Petron station nationwide (issuer)
- Max ₱15,000 fuel rebate per year · ₱200 welcome fuel voucher (new principal)
- Fee free Y1 · ₱1,550 from Y2 · non-fuel purchases earn no rebate
- Best only if you fill at Petron regularly
Exclusions & fine print
Typically excluded or reduced: Non-fuel purchases.
Best for: Regular Petron fillers
Read full Petron BPI Card review with spend simulator →
UnionBank Shell Power Visa Platinum — full breakdown
UnionBank Shell Power Visa Platinum
Issuer: UnionBank · Tier: Platinum · Annual fee: ₱2,800
Shell fuel co-brand · ₱2,800 fee
Eligibility snapshot
- Min monthly income (salaried): ₱15,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIC checked by bank at application, not by CardHungry.
Reward structure
- fuel: 5% cashback — cap ₱1,250/month
- all: 0.2% cashback
Headline highlight: Up to 5% cashback on Shell fuel, toll/RFID & auto services (cap ₱15,000/year cap)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₱3,144
- Annual fee: −₱2,800
- Forex markup cost (est.): −₱635 (3.53% on international spends)
- Net annual value: -₱291 (-0.07% effective return)
Key benefits
- Up to 5% rebate on Shell fuel, toll/RFID, and auto services (no outstore gate)
- Fee ₱2,800 Platinum (Gold ₱2,500) · income often ₱180k/yr carded / ₱250k non-carded
- Periodic Shell station ₱/L discount promos stack with rebate (T&Cs)
- NAFFL promos sometimes waive fee with ~₱20k spend in 60 days — not modeled as base
Exclusions & fine print
Typically excluded or reduced: .
Best for: Shell station regulars
Read full UnionBank Shell Power Visa Platinum review with spend simulator →
Exclusions compared
| Typically excluded | Petron BPI Card | UnionBank Shell Power Visa Platinum |
|---|---|---|
| Common | Non-fuel purchases |
Who should pick which?
- Pick Petron BPI Card if your spend pattern aligns with its highest-rate categories and you meet income criteria.
- Pick UnionBank Shell Power Visa Platinum if its caps, fee structure, or partner merchants match your wallet better.
- Pick neither yet if both net values are under ₱2,000/year on your spends — a third option may win (see compare).
Spend scenario cheat sheet
- Heavy online shopper: Compare online category rates and caps first.
- Bill-pay heavy: Check utilities and telecom MCC eligibility.
- Travel / forex: Weight forex markup as heavily as reward rate.
- Fee-averse: If both NAV differences are under ₱1,000/yr, choose the free card.
Before you apply
CardHungry never pulls CIC. Use our interactive comparison or compare tool for a third alternative. One application at a time; wait 3–6 months between rejections.
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or compare cards side-by-side — no CIC pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.