• Min. Monthly Income


  • Interest Rate

    2.25% /month

  • Annual Fee


Feature Highlights
  • Free annual membership fee for life
  • Transfer your Rewards Points to Mabuhay Miles Frequent Flyer Program.
  • Choose exactly when to pay. Choose from the pre-defined payment due dates.


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


  • Enjoy a complimentary airport lounge access when you travel.


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


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


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

Other Features

  • Payment Flexibility

    • The credit card that lets you choose exactly when 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.

Disclaimer: AUB is regulated by the Bangko Sentral ng Pilipinas. For inquiries or complaints you may contact AUB through Customer Service Hotline 282-8888 or BSP Financial Consumer Protection Department at Tel. 708-7087.

Card Information

Annual fee Free (Free for Life)
Min. monthly income ₱50,000.00
Min. age for principal holder

21 - 65 years old

Min. age for supplementary holder

At least 14 years old

Fee for supplementary holder N/A
Finance charges 2.25% 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


Sales Slip Retrieval Fee

₱250.00 for local and ₱500.00 for international sales slip

Late payment charge

₱700 (monthly) late payment fee or the unpaid minimum amount due, whichever is lower, shall be charged for every billing that the account is past due

Cash advance amount


Cash advance charge


Cash advance interest charge


Cashback limit


Rewards points expiry

No Expiration.

Product Review by iMoney Philippines

Take Charge of Your Credit

With AUB Gold Mastercard, it’s up to you to decide what’s the best time in a month to pay and how much you’ll be paying. It gives you full control over your credit while enjoying no interest on new purchases. You can also get additional supplementary credit cards without any limit. Online banking is also a breeze, and if you have any queries or concerns, there are customer service hotline numbers available in 14 countries across the globe. Even when travelling abroad, you can get to earn up to 2x rewards points on all of your purchases. With all of these great features, the best one is you don’t have to pay any annual fees both for principal as well as supplementary cards. Give yourself a credit card that’s loaded with benefits and apply for one today!

Fees and Charges of AUB Gold Mastercard Credit Card

You don’t have to pay any annual fee charges as it’s free and waived for life. The interest charge is 2.25% per month, with late payment fee of ₱500 for monthly payment option. You also need to pay ₱500 in case of replacing your lost card.

Are you eligible for an AUB Gold Mastercard Credit Card?

In order to apply, you must have a required minimum monthly income of ₱50,000. The required age for a principal cardholder is 21 - 65 years old, while for a supplementary cardholder, he/she should be at least 14 years of age. You should also have an active email address, a mobile phone, and at least 1 landline phone either at home or work.

If this credit card is not for you, we can recommend similar products that is worth checking out, EastWest Bank Gold Card and Standard Chartered Gold Card. You may find these two to be more suitable based on your needs.

There are more options available for you to choose from. Browse other AUB credit cards, that would fit your requirement.