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UnionBank · Visa · Platinum

Shell Power Visa Platinum

Why pick it: 5% back on Shell fuel, toll load and repairs

Motorist card: 5% rebate on Shell fuel, RFID toll load and auto services (₱15,000/yr cap), no rebate elsewhere; roadside assistance.

Score
28 /100
Rank
#59 of 123
Annual fee
₱2,800
Borderline B/C
GET IT IF…Honest take

5% sa Shell, toll at auto service, at walang minimum outside spend na nakasaad sa page. Baka may conditions ang 'No Annual Fee'.

Bottom line: Kung madalas kang mag-fuel sa Shell at gumagamit ng toll, ito ang card para sa'yo. Merged na dito ang Shell Power Gold, from our data.

Read the full take: the math, what's good, what hurts

Sa typical household (~₱825k a year), nasa ~₱3,500 ang kita, pero -₱2,500 ang travel value, negative dahil sa foreign transaction fee. ₱2,800 ang annual fee sa UB fee table (iba ang headline ng page, tingnan ang catch). Puwede mong hingin ang waiver, pero sa bank ang desisyon. #59 ito sa 123 open cards, 28 ang score.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • 5% rebate sa Shell fuel, toll load, auto repair at accessories.
  • Hanggang 15,000 rebates a year ang cap, at per the T&C, walang time limit sa pag-redeem.
  • May 24/7 emergency roadside assistance.

What's bad

  • Walang rebate ang ibang spend, kasama ang Shell Select, from our data.
  • Foreign transaction fee: 1% network fee plus up to 2.525% UB service fee, kaya huwag itong gamitin abroad.
  • Lounge at travel insurance: hindi nakalista sa page o sa data.

The catch: Headline ng page ang 'No Annual Fee for Life', pero ₱2,800 pa rin ang nasa UB fee table. Ayon sa data, sa promo lang ang free fee: ₱20,000 spend within 60 business days, para sa bago sa UB na may card ng ibang bank for 6+ months. Wala sa page ang income requirement; from our data ang ₱180,000 a year.

Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; promo conditions (₱20,000 spend, 60 business days, 6+ months other-bank card) are from our row, not the page body; lounge and travel insurance; rebate on non-Shell, non-toll, non-auto spend (our row says none). Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about ₱1,000 in rewards (₱3,500) and travel value (−₱2,500), before the ₱2,800 annual fee (on request; the bank decides)
To qualify:
₱180,000 a year income
Bank service:
About typical.

First year

Welcome offer:
No Annual Fee for Life on ₱20,000 spend within 60 business days of approval; new-to-UB/Citi principals holding another bank's card 6+ months. Alternative via Moneymax: gift up to ₱3,990, apply by Jan 31, 2027. (ends Jan 30, 2027)

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

#59 of 123 cards open to new applicants, and #82 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value3 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend8 / 37

      About ₱3,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers0 / 16

      A ₱2,800 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend0 / 10

      About −₱2,500 of travel value on one trip abroad a year, after the 3.52% foreign fee. How the bars work

  • Promos and 0% installments13 / 15

    0% installment network: fair. Promos: strong, judged by what a typical household would likely save from the promos this card gets, past and current, with 33 live promos tracked. How it is scored

  • Points flexibility5 / 10

    Cashback is simple to use but cannot move to an airline. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path3 / 5

    Platinum card level, plus how UnionBank handles credit limit increases and card upgrades. How it is scored

  • App and service4 / 5

    Banking app: strong. Service: about typical. How it is scored

  • Late fee0 / 2

    A late fee of ₱1,500 for one missed payment. How it is scored

On the default spend: about ₱3,500 a year in rewards and −₱2,500 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod45 COct 2445 COct 2627 BOct 2727 BNov 227 BNov 427 BNov 928 BNov 1028 BNov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱2,800
Supplementary fee
₱1,400
Fee waiver
On request; the bank decides
Foreign transaction fee
3.52%
Minimum income
₱180,000 a year

Rewards

5% rebate on Shell fuel, Autosweep and Easytrip RFID loads, and car service and auto supply, with no minimum spend. Nothing else earns. 1 rebate = ₱1; Pay with Points needs 1,000 rebates.

Caps: ₱15,000 per year (fuel, tolls & car service)

Type
Cashback
Points expiry
none

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • High FX fee (3.52%): avoid using it abroad
  • Rewards on fuel and tolls & car service capped at ₱15,000 a year

Live and upcoming promos (33)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 28 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

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