AUB isn’t that loud and aggressive when it comes to promotions and credit card offers. But did you know that AUB is one of the local banks that offer low monthly interest rates on their credit cards?
The Gold and Platinum credit cards offer a 2.25% monthly interest rate. It’s lower than PNB Alumni Association Mastercard and Metrobank M Lite Mastercard’s 2.50% and 2.78% respectively.
But what can AUB cards offer for a typical Filipino urbanite? While AUB offers only four credit cards, all of which are rewards type credit cards, it has a vast rewards catalogue with different categories you can redeem from.
You can redeem items like e-gifts from more than 400 participating merchants.
Plus, all the cards offer waived annual fees for life. No need to concern yourself with hefty annual fees. Just redeem e-gifts that you actually like instead of redeeming waived annual fees.
Here are the AUB credit cards in the Philippines
| AUB credit cards | Key Benefits |
| AUB Classic Mastercard | Earn 1 reward point for every P20 spend; no annual fee for life; no interest on new purchases; flexible payment options and due dates; 3.5% effective monthly interest rate |
| AUB Easy Mastercard | |
| AUB Gold Mastercard | Earn 1 reward point for every P20 spend; no annual fee for life; no interest on new purchases; flexible payment options and due dates; transfer your points to your Mabuhay Miles Account; 2.25% effective monthly interest rate |
| AUB Platinum Mastercard |
Easy and Classic Mastercard
The Easy and the Classic Mastercard credit cards share almost the same key features and offers. For example, both offer flexible payment options.
You can choose:
- How many times you want to pay the entire month (once or twice a month or weekly basis)
- The exact date when to pay
- How much to pay
This feature also helps you manage your expenses as you can choose the dates that are closer to your payday.
For illustration purposes, here’s how it works:
Choose your payment due date if you want to pay once a month (1st to 31st)
If you choose to pay twice a month, you can choose from the following dates.
| 1st and 16th | 2nd & 17th | 3rd & 18th | 4th & 19th | 5th & 20th |
| 6th & 21st | 7th & 22nd | 8th & 23rd | 9th & 24th | 10th & 25th |
| 11th & 26th | 12th & 27th | 13th & 28th | 14th & 29th | 15th & 30th |
If you choose weekly payments, you can choose a day from Monday to Sunday.
- If you wish to pay once a month, you can choose the minimum amount due you want to pay (P4,000, P5,000, P6,000, P7,000, P8,000, P9,000)
- If you wish to make payments twice a month, you can choose from the following minimum amount due to pay: (P2,000, P2,500, P3,000, P3,500, P4,000, P4,500)
- For payments on a weekly basis: (P1,000, P1,250, P1,500, P1,750, P2,000, P2,250)
If you already have a credit card from other banks, you would notice that the minimum amount due that AUB requires on a monthly billing cycle is slightly higher.
Keep in mind that if you only pay the minimum amount due (instead of the total amount due), you will incur interest and other charges.
Watch out for these flexible payment options. Paying less may result in a longer time for you to repay the balance.
Manage your overall monthly expenses before you go deeper into the flexible payment options. Better to pay the total amount due so you won’t have to pay for other charges.
Key features of Easy and Classic Mastercards:
- Earn 1 reward point for every P20 spend
- Use your credit card for online banking and utility bills payment
- Pay and settle your dues at more than 5,000 payment centres nationwide
- No interest charges for your new purchases made after the statement cut-off
- Enjoy local and global discounts, perks, and privileges when you use your
- Mastercard at participating merchants and outlets
- Enjoy waived annual fee for principal and supplementary cards for life
Minimum annual income requirement: P252,000
Monthly interest rate: 3.5%
Gold and Platinum Mastercard
With the Gold and Platinum cards, you also get to enjoy the features that the Easy and Classic cards offer, like the flexible payment options.
AUB Gold Mastercard allows you to choose a due date from the 1st to the 30th of the month.
When it comes to the fixed amount to be paid, you can choose how much you want to pay from the following:
| P10,000 | P11,000 | P12,000 | P13,000 | P14,000 |
| P15,000 | P16,000 | P17,000 | P18,000 | P19,000 |
For the AUB Platinum Mastercard, the fixed payment amounts are listed on the table below.
| ₱20,000 | ₱25,000 | ₱30,000 |
| ₱35,000 | ₱40,000 | ₱45,000 |
| ₱50,000 | ₱55,000 | ₱60,000 |
| ₱65,000 | ₱70,000 | ₱75,000 |
| ₱80,000 | ₱85,000 | ₱90,000 |
| ₱95,000 | ₱100,000 | ₱200,000
|
Again, keep in mind that paying less than the total amount due will also incur interest and other applicable charges that you need to settle.
Key features of Gold and Platinum Mastercard
- Earn 1 reward point for every P20 spend
- Use your credit card for online banking and paying utility bills
- Pay and settle your dues at more than 5,000 payment centres nationwide
- No interest charges for your new purchases made after the statement cut-off
- Enjoy local and global discounts, perks, and privileges when you use your Mastercard at participating merchants and outlets
- Enjoy waived annual fees for principal and supplementary cards for life
- Transfer rewards points to Mabuhay Miles Frequent Flyer program
- Get complimentary airport lounge access
Minimum annual income requirement of Gold: P600,000
Minimum annual income requirement of Platinum: P1,200,000
Monthly interest rate: 2.25%
These four credit cards share almost the same key features, except for the Gold and Platinum which have travel privileges and reward points that can be converted to Mabuhay Miles.
AUB credit cards rewards and offers
Aside from their features and flexible payment options, you can also take advantage of the AUB rewards catalogue:
- Convert rewards points to GetGo points
(7) AUB rewards points = (1) GetGo Point
5 AUB rewards points = (1) B1G point on AirAsia - Redeem cash rebates with rewards points
P100 = 1,000 AUB rewards points
P500 = 5,000 AUB rewards points
Minimum required points to redeem is 5,000. - Convert 5,000 points to P500 Panda Travel Voucher
- Redeem eGifts or GCs at Landmark, SM Department Stores, Lazada, FitFlop, Nike Park, Timex, and more. You can choose from more than 400 merchants and retailers
P500 GC = 5,000 points
P1,000 = 10,000 points
What do you think of these AUB credit cards and their low monthly rates and waived annual fees for life?