UnionBank Shell Power Visa Platinum: fees, interest and requirements
The UnionBank Shell Power Visa Platinum has an annual fee of ₱2,800 a year, charges 3% a month on unpaid balances and needs a minimum income of ₱180,000 a year.
Verdict: Worth it if the cash back on your own spending comes to more than ₱2,800 a year. Skip it if you earn under ₱180,000 a year or if you spend a lot abroad (3.525% foreign fee).
From UnionBank Table of Fees, as of July 2025. Interest cap, in force since 2023: BSP Circular No. 1165, s.2023.
₱20,000 repaid in 3 equal monthly payments at 3% a month costs ₱1,212 in interest; add the ₱2,800 annual fee and a year comes to ₱4,012, 62nd lowest of 127 cards open to the public (tied with 1).
UnionBank's closest card is the UnionBank Cash Back Visa Platinum. Against it, this card costs ₱2,800 a year instead of ₱4,500, earns rewards on different terms and has different perks.
BSP supervised: Union Bank of the Philippines, universal and commercial bank, BSP institution ID 3, is on the BSP Verifier list dated Sep 28, 2026.
What the UnionBank Shell Power Visa Platinum gives you
- 5% rebate on Shell fuel, toll load and auto services, up to ₱15,000 a year UnionBank page
- Earn up to 5% rebate on Shell fuel, tollway load and auto repair services, maintenance and accessories same page
- Get complimentary 24/7 Emergency Roadside Assistance once a year same page
- Save as much as P15,000 a year for the Shell Power Platinum and P10,000 a year for the Shell Power Gold same page
Who should get the UnionBank Shell Power Visa Platinum
| If | Then |
|---|---|
| You pay in full every month and want a cash back card | The PNB Cashback Titanium Mastercard (PNB) asks the same or a lower income and costs ₱300 a year less. Pick the UnionBank Shell Power Visa Platinum only if its rewards are worth more than that to you. |
UnionBank Shell Power Visa Platinum downsides, and what a late payment costs
- The ₱2,800 yearly fee has no waiver on the fee table.
- Foreign currency purchases cost 3.525% extra.
If you pay late: UnionBank charges up to ₱1,500, and 3% a month interest runs on what is unpaid. Safe action: pay at least the minimum due (₱500 on a ₱20,000 statement) by the due date, or the full balance to pay no interest.
UnionBank Shell Power Visa Platinum annual fee, interest and charges
| Charge | UnionBank Shell Power Visa Platinum | When, and the rule |
|---|---|---|
| Annual fee | ₱2,800 a year Supplementary: ₱1,400 a year | Advertised with "No Annual Fee for Life" under the Shell Power No Annual Fees promo, terms apply. UnionBank fee table, July 2025 |
| Interest | 3% a month | At the BSP ceiling of 3% a month (Circ. 1165). same table |
| Cash advance | ₱200 a withdrawal | The BSP maximum (Circ. 1165). same table |
| Minimum due | ₱500 on a ₱20,000 first statement | How UnionBank bills. same table |
| Late payment | ₱1,500 | same table |
| Foreign transactions | 3.525% | UnionBank card page |
Figures from UnionBank Table of Fees, as of July 2025, UnionBank card comparison. BSP ceilings: BSP Circular No. 1165, s.2023. How UnionBank words its late-fee, foreign-fee and minimum-due rules, the same on all its cards: UnionBank billing rules.
Requirements and how to apply
Income: at least ₱180,000 a year (about ₱15,000 a month). bank page
Apply with the button below. Channels, documents, status and hotline: UnionBank contact and requirements.
Apply for the UnionBank Shell Power Visa Platinum on UnionBank's site
Interest on your own balance
- Interest you pay at 3% a month:
- ₱1,212
- Monthly payment:
- ₱7,071
- Total you pay:
- ₱21,212
Against similar cards from other banks
| Card | Annual fee | Interest a month | ₱20,000 over 3 months, plus fees | Minimum income |
|---|---|---|---|---|
| UnionBank Shell Power Visa Platinum UnionBank | ₱2,800 a year | 3% | ₱4,012 | ₱180,000 a year |
| Toyota Mastercard Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |
| PNB Cashback Titanium Mastercard PNB | ₱2,500 a year first year free | 3% | ₱3,712 | ₱120,000 a year |
| Metrobank Rewards Plus Visa Metrobank | ₱2,500 a year first year free | 3% | ₱3,712 | ₱180,000 a year |