AUB Credit Card Updated on September 2024

AUB (Asia United Bank) started its longtime banking service in the Philippines in 1997. By 2013, it had become publicly listed and received universal banking status. Since registering with the SEC (Securities and Exchange Commission), it has operated as a commercial bank. Over time, AUB grew steadily, gaining trust and building a solid customer reputation.

AUB is a universal bank offering various financial services, including personal and corporate credit cards, loans, and other financial solutions. Through years of dedication and growth, AUB continues to serve its customers, striving to meet their financial needs with trust and reliability.

With this outstanding background, many Filipinos have become curious about what AUB credit cards offer. Learn more as we tackle each kind. This way, you can choose the most appropriate AUB credit card for your lifestyle.

AUB Credit Cards

Asia United Bank has its first credit card called AUB Easy MasterCard in 2015. This first Asia United Bank credit card offers the most flexible credit card payments, giving cardholders more control over how and when they pay their credit card bills. That is why first-time credit card users in the Philippines find it easy to adjust their finances.

Because of its flexibility, the AUB Easy MasterCard quickly became popular among Filipinos. It helped many people new to using credit cards feel more comfortable with their finances. With this AUB credit card, Pinoys could choose payment terms that worked best for them, making it a simple and user-friendly option for those just starting to build their credit history.

AUB didn’t stop there. Seeing the progress of Filipinos in using credit cards, they introduced other types of AUB credit cards suitable for various financial scenarios. Let’s find out which of these cards is best for you.

AUB Easy MasterCard

Suppose you are looking for a more convenient transaction. An AUB Easy credit card application has been made. The AUB Easy MasterCard is designed to give you total freedom and control over your AUB credit card payments. Unlike other cards, it allows you to decide when to pay, how often, and how much to pay so you can handle your finances on your terms.

• It is the first card that allows you to choose how many times you pay per month.
• With ₱20 spent, you earn 1 Rewards Point for every.
• The minimum due can be as low as ₱250 a week.

Choose How Often You Pay

You can decide how often you want to make a payment each month: once, twice, or weekly.

Pick Your Exact Payment Date

You can set your due date based on what works best for you. If you pay once a month, select a date between the 1st and 30th. If you prefer to pay twice a month, you have 15 options, such as the 1st and 16th, the 2nd and 17th, and so on. Pick any day of the week for weekly payments—Monday through Sunday.

Decide How Much to Pay

The AUB Easy MasterCard also lets you choose the amount you want to pay, depending on what fits your budget:

• Once a month: Pick from ₱750, ₱800, ₱1,000, ₱1,500, ₱2,000, ₱2,500, or ₱3,000.
• Twice a month: Choose either ₱500, ₱1,000, or ₱1,500.
• Weekly: Decide between ₱250, ₱500, or ₱750.

Your selected amount will be your minimum payment due, which will always be shown in your monthly statement. However, paying only the minimum can increase your interest over time and extend the period it takes to repay your balance.

Benefits of the AUB Easy MasterCard

• No Annual Membership Fee – You’ll never have to pay a membership fee!
• No Interest on New Purchases – Enjoy your new purchases without worrying about interest charges.

With the AUB Easy MasterCard, you get a card that adjusts to your needs, making it easier to handle your expenses while staying in control of your payments.

AUB Classic MasterCard

Make your dreams more achievable with AUB Mastercard. It gives you the power to choose how to manage your payments. With this AUB credit card, you have complete control over when and how much you pay, allowing you to set your terms for managing your credit.

• This AUB credit card also has payment term flexibility.
• With ₱20 spent, you earn 1 Rewards Point for every.
• The minimum due can be as low as ₱1,000 a week.

Choose How Often You Pay

You can decide how often you want to make a payment each month: once, twice, or weekly.

Pick Your Exact Payment Date

With the AUB Classic MasterCard, you can set your payment date based on your needs. If you pay once a month, you can select any day from the 1st to the 30th of the month. But if you prefer paying twice a month, you have 15 different date options, like the 1st and 16th, the 2nd and 17th, and so forth. In addition, if you choose weekly payments, you can select any day from Monday to Sunday. Whichever date you choose will always be the payment due date on your monthly statement.

Decide How Much to Pay

This type of AUB credit allows you to determine how much you want to pay, depending on what fits your budget.

• Once a month: Choose a minimum payment of ₱4,000, ₱5,000, ₱6,000, ₱7,000, ₱8,000, or ₱9,000.
• Twice a month: Select from ₱2,000, ₱2,500, ₱3,000, ₱3,500, ₱4,000, or ₱4,500.
• Weekly: Opt for a payment of ₱1,000, ₱1,250, ₱1,500, ₱1,750, ₱2,000, or ₱2,250.

Your chosen amount will be the minimum due, and it will be displayed on your monthly statement. Remember, paying only the minimum can result in more interest charges and take longer to clear your balance.

Benefits of the AUB Classic MasterCard

• No Annual Membership Fee 
• No Interest on New Purchases 
• Unlimited Supplementary Cards – Enroll as many supplementary cards as you like with no extra annual fees.

The AUB Classic MasterCard gives you flexibility, freedom, and a range of benefits, making it easier to manage your finances while enjoying a world of convenience.

AUB Gold MasterCard

Always stressed during travels? Reach your destination hassle-free with AUB Gold. The AUB Gold MasterCard allows you to manage your payments in a way that suits you best. With this AUB credit card, you can choose the exact date to pay your bill each month. You can align it with your payday or any day that works best for you, selecting any day between the month’s 1st and 30th.

• No Annual Membership Fee
• AUB Rewards points can be transferred to  Mabuhay Miles.
• Earn 2x Rewards Points for transactions abroad.
• Supplementary cards di do not have annual fees.

Benefits of the AUB Gold MasterCard

• No Annual Membership Fee 
• No Interest on New Purchases 

Earn and Transfer Reward Points

With the AUB Gold MasterCard, every purchase earns you rewards points. You can transfer these points to the Mabuhay Miles Frequent Flyer Program and use them to get free flights or upgrades. 

Get Free Supplementary Cards

You can enroll as many supplementary cards as you need for your family members, and you will never have to pay an annual fee for these extra cards. This makes it easy for everyone in your family to enjoy the benefits of the AUB Gold MasterCard.

With its flexible payment options, waived fees, and marvelous rewards, the AUB Gold MasterCard is a practical choice if you’re looking to maximize their money.

AUB Platinum MasterCard

Enjoy exciting and unexpected perks you never knew you needed with the AUB Platinum credit card. This AUB credit card lets you decide when to pay your monthly bill. You can manage your due date with your payday or any day that suits you, from the 1st to the 30th.

• No Annual Membership Fee
• AUB Rewards points are transferable to Mabuhay Miles.
• Earn 2x Rewards Points for transactions abroad.
• Supplementary AUB credit cards do not have annual fees.

Benefits of the AUB Platinum MasterCard

• No Annual Membership Fee
• No Interest on New Purchases

Earn Rewards and Enjoy Travel Perks

Every time you use your AUB Platinum MasterCard, you earn rewards points. You can transfer these points to the Mabuhay Miles Frequent Flyer Program, which can help you earn free flights or other travel rewards. Plus, as a Platinum cardholder, you get complimentary access to airport lounges when you travel, giving you a more comfortable experience while waiting for your flight.

Get Free Supplementary Cards

You can sign up for as many supplementary cards as you need for your family members without paying any annual fees. This way, everyone can enjoy the benefits and rewards of the AUB Platinum MasterCard.

With flexible payment options, waived fees, exciting rewards, and exclusive travel perks, the AUB Platinum MasterCard is perfect for those who want to experience more without spending extra.

AUB Credit Card Credit Limit

Check your credit card approval letter and monthly statement to learn your credit limit. You may also contact AUB’s customer service. It is wise to note your credit limit, but it would be foolish to think you must max it out. The AUB Classic Mastercard credit limit is the amount determined by the AUB alone. 

Each bank decides a person’s credit limit based on its criteria, but the factors usually include credit history, salary, and existing financial responsibilities.

The approved credit limit by AUB will be shared between the principal cardholder and the supplementary cardholder. It is best not to exceed the credit limit. In the case of an overpayment, you must settle the Total Outstanding Balance (TOB), as it will limit your card use. Remember to spend within your credit limit. This way, you can avoid over-limit fees and maintain a good credit score.

AUB Credit Card Payment

AUB takes pride in its flexible payment options. Many Filipinos miss their payments because they sometimes forget their due dates or, worse, their due date is too far from the payday.

To address this problem, AUB allows cardholders of AUB Easy and AUB Classic to pay at their convenience. While most banks decide the due dates, with AUB, the cardholders choose their due dates and the amount to spend on that date.

How does AUB Credit Card Repayment Work?

1. Choose the period of payments: monthly, twice a month, or weekly.

2. Choose the exact day or date when to pay.

• Once a month payment = choose from the 1st to 30th day of the month
• Twice a month = choose from 15 payment due dates

• Weekly payment = choose one day from Monday to Sunday

3. Decide how much to pay each payment period

Where to Make AUB Credit Card Repayment?

You can pay your AUB credit card through various methods:

• AUB Branches
• AUB Preferred Online Banking
• Auto Debit Arrangement (ADA)
• SM Bills Payment Centers
• ECPay Partners
• TouchPay APM
• Online Banking Facility of your Depository Account with other banks, such as Chinabank, Citibank, Maybank, Security Bank, and PNB
• InstaPay Facility of your Depository Bank or e-wallet

AUB Credit Card Application

You can personally apply for an AUB Credit Card in an AUB branch or through the AUB Customer Service Hotline. In addition, an online application for an AUB credit card is now available. Just like any application for financial services, the process will be faster if you can present the complete required documents and if you qualify for eligibility. Processing time may take 11 to 14 banking days.

AUB Credit Card Eligibility

AUB online credit card application is more accessible if you assess your qualifications first. Listed below are the must-haves you have to possess. 

• Must be 21 to 65 years old (except with AUB Easy MasterCard’s age limit, which is 55 years old)
• Required Gross Annual Income of ₱50,000 for Easy/Classic/Gold Mastercard and ₱100,000 for Platinum Mastercard
• Must be either employed with a regular status with a registered company or self-employed with a registered business that has been profitable for at least a year.
• Must have at least a landline phone or mobile phone
• Should have an active email address

AUB Credit Card Requirements

Secure your AUB Bank credit card without fuss by preparing the documents below. 

• Copy of any government-issued ID
• For employed: Latest ITR (Form 2316), Certificate of Employment/Compensation, or Latest three (3) months’ payslip
• For Self-employed: ITR (Form 1701, 1701Q), Latest Financial Statements, or DTI Registration
• Copy of Statement of Account for postpaid mobile subscription under the applicant’s name 

AUB Credit Card Fees and Charges

• The annual fee is waived for life, both for principal and supplementary cards.
• Interest Charge is charged only if you missed your payments. And even if you pay the Minimum Amount Due, you will still be charged with interest if you don’t settle your balance on time.
• AUB Classic MasterCard, AUB Easy MasterCardAUB, Platinum MasterCard, and AUB Gold MasterCard are charged with a 3% monthly interest rate.
• A Late Payment Fee is charged only when you fail to pay even the Minimum Amount Due on the due date. Each AUB debit card charges differently based on your chosen payment scheme. 
• Card Replacement Fee costs ₱500

How to Apply AUB Credit Card?

With these facts in hand, your next question will be how to finally secure an AUB card. It only takes six simple steps to get your AUB Easy MasterCard. 

1. Choose the right AUB credit card you need. 

Asia United Bank credit card offers various kinds of credit cards. You can pick between a Regular AUB card and an AUB Secured credit card. Be wise and assess yourself. 

• Regular AUB credit card. It is for applicants with a stable source of income or regular employment status. It is suitable for employed, self-employed, and licensed professionals.
• Secured AUB credit card. It is for applicants with low, irregular, or no stable income. It is ideal for freelancers and micro-entrepreneurs. 

2. Differentiate the AUB credit cards. 

You now know the credit cards offered by AUB. Pick what is the most suitable for your daily needs or lifestyle. Will you go for AUB Easy MasterCard, AUB Classic MasterCard, AUB Gold MasterCard, or AUB Platinum MasterCard?

3. Prepare the requirements for an AUB credit card. 

Make your AUB credit card online application Philippines smooth sailing by having all the essential documents ready. 

4. Send your AUB credit card application 

Choose among the three types of ways to apply. You may process it via walk-in, online, or the AUB Customer Service Hotline. 

• Online application. Visit the official AUB application for credit card website.
• Walk-in application. Drop by the nearest branch of Asia United Bank. 
• Customer Service application. Dial (02) 8282-888. You may also contact the domestic toll-free number at 1-800-20-282-8888. 

5. Check your AUB credit card application status.

Follow up when processing your AUB card. You can track the status online or through customer service. You can inquire about the delivery status through this. Remember these steps to find your AUB credit card online application status. 

• Visit the official page for AUB cards. 
• Click on the tab for “Track Your Application/Delivery.
• Provide the required information, such as your last name and application reference number. It also needs your email address, last name, and first name. Lastly, it requires your mobile number, last name, and first name. 
• Once you enter all these details, click the Inquire button. 

6. Active your AUB credit card. 

Once you receive your AUB card, activate it before making your first purchase. Activation is easy. You can do it via phone call or SMS. 

• Phone Call Activation. Call the AUB Customer Service Hotline at (02) 8282-888. Agents are ready to assist from 6 a.m. until 11 p.m. 
• SMS Activation. Follow this format before using your new AUB credit. 

AUBCC <space> ACT <space> (Registered Email) <space> (last six digits from your AUB credit card)

Then, send it to these numbers: Globe (0917) 581-0480 or Smart (0918) 839-8282. 

Here is a sample message for credit card activation.  

AUBCC ACT JUANDELACRUZ@EMAIL.COM 567890

Safety Tips for your AUB Credit Card

Remember this practical advice once you have secured your own AUB credit card. 

Spend Wisely

Don’t overspend and risk reaching your credit limit. Use your AUB credit card for purchases you can afford to repay. Stick to buying only what you need and save your AUB credit card for essential purchases or emergencies, not everyday spending.

Pay On Time

Always pay your AUB credit card bill before the due date. So you can steer clear from late fees and penalties.

Pay When You Can

If you have the money, pay off your credit card regularly. Aim to pay the “Total Amount Due” to avoid interest charges. Paying only the “Minimum Amount Due” will lead to more interest.

Stay Organized

Keep track of your expenses, especially if you have multiple cards. Know each card’s due date and amount due to avoid penalties and extra charges.

Keep Records

Review your statement of account carefully and report any errors or disputes to the bank within the given time frame.

Understand Fees and Terms

Please read the AUB credit card’s full terms and conditions, including any changes sent by the bank. Also, know the fees and when they apply to avoid unnecessary charges.

AUB offers four credit cards here in the Philippines. Choosing an AUB credit card is always challenging and must be taken seriously. If you are a beginner with credit cards, you must learn that credit cards can either help you financially or drag you into debt.

Takeaways about AUB Credit Card 

Take note of the fees and charges so you won’t experience bill shock. Pay your cards on time and never spend more than your credit limit. A credit card is a loan in just one swipe. Remember to charge only what you can pay.

If you are not confident about having a credit card but need to make an important purchase, you can apply for a personal loan online.

Cash Mart offers quick cash loans with flexible payment options such as weekly, bi-weekly, and monthly. Want to know more? Visit CashMart.ph now.