• Min. Monthly Income

    ₱21,000

  • Interest Rate

    2.95% /month

  • Annual Fee

    Free

Feature Highlights
  • Choose how many times to pay per month whether monthly, semi-monthly or weekly
  • Choose exactly your preferred date of payment
  • Choose exactly when to pay. Choose from the pre-defined payment due dates.
  • Free annual membership fee for life
Gas
6/10
Travel
6/10
Groceries
7/10
Shopping
5/10
Dining
5/10

Gas

  • Earn 1 Rewards Point for every ₱20 spend with your AUB MasterCard

Travel

  • Earn 1 Rewards Point for every ₱20 spend with your AUB MasterCard

Groceries

  • Earn 1 Rewards Point for every ₱20 spend with your AUB MasterCard

Shopping

  • Earn 1 Rewards Point for every ₱20 spend with your AUB MasterCard

Dining

  • Earn 1 Rewards Point for every ₱20 spend with your AUB MasterCard

Other Features

  • Payment Flexibility

    • The only credit card that lets you choose how many times to pay per month, when to pay, and how much to pay.

  • All-Ur-Bills

    • All-Ur-Bills allows you to instantly charge your utility bills to your AUB MasterCard, just by calling Customer Service.

  • E-Statements

    • Receive your statements via email within 3 days after your cut-off date. Your Email SOA will be sent to you in a password-protected PDF file to ensure security of your account.

  • Link to PayPal

    • Link your AUB MasterCard to PayPal for an easy and safe way to shop online.

  • Convenient Payment Channels

    • Pay at any AUB branches, SM Bills Payment Centers, 7-Eleven & ECPay Partners, Bancnet online and mobile banking and Touchpay Automated Payment Machine (APM) nationwide.

Card Information

Annual fee Free (Free for Life)
Min. monthly income ₱21,000
Min. age for principal holder

21 - 55 years old

Min. age for supplementary holder

N/A

Fee for supplementary holder N/A
Finance charges 2.95% per month
Must have postpaid account? No
Identification needed Tax Identification Number (TIN) and SSS/GSIS No. or other government-issued ID
Card Replacement Fee

₱500.00

Sales Slip Retrieval Fee

₱250.00 for local and ₱500.00 for international sales slip

Late payment charge

₱500.00

Cash advance amount

N/A

Cash advance charge

N/A

Cash advance interest charge

N/A

Cashback limit

N/A

Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Worry Free with No Annual Fee

Asia United Bank offers a unique, first of its kind credit card that let’s you decide when to pay your bill and how much. With AUB Classic MasterCard, you have the freedom to choose between 3 payments schemes: once a month, twice a month, and weekly payment. You also get to determine how much to pay, with amounts ranging from ₱1,000 up to ₱9,000. What’s more is that you don’t have to pay any annual membership fees for both principal and supplementary cardholders as it’s waived for life! How good of a deal is that?

Fees and Charges of AUB Classic Credit Card

There is absolutely no need to pay for a yearly membership fee as it’s waived for life both for the principal and supplementary cardholder. As for the monthly interest, it has one of the most reasonable rates in the market at only 2.95%. The late charges for the monthly payment option will be ₱500 for each past due billing that the account incurs.

Are you eligible for an AUB Classic Credit Card?

You can apply as a principal cardholder if you are between 21 - 65 years of age. You should also have a minimum income of ₱21,000 per month. As for the supplementary cardholder, the person should be at least 21 years of age.

Still looking for the right card that matches your requirement? We suggest that you also take a look at Standard Chartered Classic Card and Security Bank Classic MasterCard, both options are on the same card category with the one you're interested in.

If you're looking at other AUB credit card alternatives, you can also view the rest of our AUB credit card list for additional choices to help you find the right card for your lifestyle.