AUB Credit Card Online Application: Easy 6-Step Guide for Newbies

Did AUB credit cards catch your interest because of their waived annual fees? While that's a big deal when choosing a credit card, there's more to AUB cards than their no-annual-fee-for-life feature.

If you’re planning to get an AUB credit card, you’re in the right place. Outlined below is your guide to the AUB credit card online application, plus the features and perks of the bank’s cards.

Why Should You Get an AUB Credit Card?

While not as popular as those offered by bigger banks, AUB credit cards come with exciting features that will benefit both newbies and experienced cardholders. These include the following:

✔️ Annual Fee is Waived for Life

With an AUB credit card, you have one less expense to worry about since it doesn’t come with an annual fee. The best thing about it? It’s waived for life.

This means great savings for you in the long run.

✔️ You Can Choose When to Pay

Unlike other credit cards with strict due dates, your AUB credit card lets you choose exactly when and how many times to pay your bill per month. You have the luxury of scheduling your credit card bills payment during payday.

If you go for once-a-month payments, you can choose your due date from the first to the 30th day of the month. For twice-a-month payments, you can choose from the 15 payment due dates set by AUB. For weekly payments, you can choose any day from Monday to Sunday.

✔️ You Can Choose How Much to Pay

Another reason that may make you start your AUB credit card application is that you can choose the amount to pay on your chosen due date. This feature makes the AUB credit card ideal for those with strict budgets.

✔️ No Interest on New Purchases

Planning to buy a new laptop or a new TV? Pay with your AUB credit card, as it offers 0% interest on new purchases!

AUB Credit Card Online Application Steps

The AUB credit card online application process is straightforward and easy. Here are the steps that you need to follow:

Step 1: Check If You’re Eligible for an AUB Credit Card

AUB credit cards come in four types: Easy, Classic, Gold, and Platinum. Each card caters to a specific income bracket, budget, and lifestyle. With that, it's important to check your eligibility before starting your AUB credit card application.

👉 Regular AUB Credit Card Eligibility Criteria

If you meet all the requirements below, you can apply for a regular credit card with AUB:

Age: 21 to 65 years old
Minimum gross monthly income:
- Easy/Classic/Gold Mastercard - ₱50,000
- Platinum Mastercard - ₱100,000
Source of income:
- Employed - At least one-year regular employment status with a registered company
- Self-employed - Registered businesses with at least one-year profitable operation
- Licensed professional - At least one-year professional practice
Means of contact: Must have a mobile phone, a landline phone (either office or residence), and an active email address

👉 Secured AUB Credit Card Eligibility Criteria

AUB also offers secured credit cards in the Philippines. A secured card is a good alternative for those with low and/or irregular income, no proof of stable income (i.e., freelancers and micro/small entrepreneurs), or poor credit score/no credit history.

To be eligible for an AUB secured credit card, you just have to meet these simple requirements:

Age: At least 21 years old
A hold-out deposit: ₱25,000 for a minimum credit limit of ₱20,000 / ₱12.5 million for maximum credit limit of ₱10 million

A hold-out deposit is the required amount that you'll put in your AUB savings account to get a secured credit card. The bank will hold the amount as collateral and use it to determine your credit limit, which is 80% of the hold-out deposit.

Step 2: Compare the Different AUB Credit Cards

Whether you opt for a regular or a secured credit card from AUB, it's crucial to compare your options. By knowing the similarities and differences between AUB credit cards, you can choose the card with the features you need to help manage your credit card payments.

Here's a quick overview of each AUB credit card’s features:

💳 AUB Easy Credit Card

Features and Benefits:

1 rewards point per ₱50 spend
Flexibility in payment in terms of date, frequency, and amount
No interest on new purchases
Access to Mastercard deals
Best for first-time credit card users

Fees and Charges:

Annual fee: Free for life
Interest rate: 3%
Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
Foreign currency transaction service fee: 1.5% service fee plus the sum of peso conversion and Mastercard fees

💳 AUB Classic Credit Card

Features and Benefits:

1 rewards point per ₱50 spend
Flexibility in payment in terms of date, frequency, and amount
No interest on new purchases
Access to Mastercard deals
Best for those who want a card for everyday spending

Fees and Charges:

Annual fee: Free for life (including supplementary cards)
Interest rate: 3%
Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
Foreign currency transaction service fee: 1.5% service fee plus the sum of peso conversion and Mastercard fees

💳 AUB Gold Mastercard

Features and Benefits:

1 rewards point per ₱50 spend
Flexibility in payment in terms of due date
No interest on new purchases
Access to Mastercard deals
Rewards conversion to Mabuhay Miles: 8.5 AUB points = 1 Mile
Free airport lounge access
Best for middle-income earners who travel frequently

Fees and Charges:

Annual fee: Free for life (including supplementary cards)
Interest rate: 3%
Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
Foreign currency transaction service fee: 1.5% service fee plus the sum of peso conversion and Mastercard fees

💳 AUB Platinum Mastercard

Features and Benefits:

1 rewards point per ₱50 spend
Flexibility in payment in terms of due date
No interest on new purchases
Access to Mastercard deals
Rewards conversion to Mabuhay Miles: 8.5 AUB points = 1 Mile
Free airport lounge access
Best for high-income earners who travel frequently

Fees and Charges:

Annual fee: Free for life (including supplementary cards)
Interest rate: 3%
Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
Foreign currency transaction service fee: 1.5% service fee plus the sum of peso conversion and Mastercard fees

For more details, check out this comparison of AUB credit cards.

Step 3: Prepare the AUB Credit Card Requirements

Make your AUB credit card online application smooth and hassle-free by gathering the required supporting documents beforehand.

📋 Regular AUB Credit Card Requirements

Any photo-bearing government-issued ID or company ID
Copy of Statement of Account for postpaid mobile subscription under the applicant’s name
Income documents
- For employees (at least one of the following): Latest income tax return (ITR) / Certificate of Employment/Compensation / Latest one-month payslip
- For self-employed: ITR (BIR Form 1701/1701Q), latest financial statements, and DTI Certificate of Business Name Registration

📋 Secured AUB Credit Card Requirements

Signed and notarized deed of assignment^[1]
Accomplished AUB credit card application form

Step 4: Complete Your AUB Credit Online Card Application

For your convenience, you can submit your AUB credit card requirements online. Here are the steps:

aub credit card online application - steps

Go to the official AUB website.
On the homepage, click Cards. Then choose the card you want to apply for.
On the next page, click the Apply tab. A pop-up reminder will then appear. Click Apply Now.
You’ll be directed to the AUB application form. Fill it out and click Submit.
The next step will depend on your eligibility. If you’re applying for a regular Easy, Classic, Gold, or Platinum Mastercard and don’t meet the eligibility requirements, you’ll be offered to apply for an AUB Secured Card. Otherwise, you can proceed to the succeeding application prompts.

If you don’t have an internet connection, you may submit your AUB credit card application via the following channels:

AUB Customer Service Hotline at +632 8282-8888 or domestic toll-free number at 1-800-10-282-8888
Walk-in application at any AUB branch^[2]

Step 5: Check Your AUB Credit Card Status

Processing your AUB credit card application may take 11 to 14 banking days for regular cards and seven to 10 days for secured cards.

AUB will send you a text notification regarding your AUB credit card approval. You may also track the status of your AUB credit card application or card delivery online or via phone call.

📌 How to Check AUB Credit Card Application and Delivery Status Online

It's quick and easy to know your AUB credit card online status. Simply follow these steps:

Visit the AUB Credit Card Application page.
Click the Track Your Application/Delivery tab.
Enter any of the required details:
- Application reference number and your last name
- Your last name, first name, and email address
- Your last name, first name, and mobile number
Click the Inquire button.

📌 How to Check AUB Credit Card Application and Delivery Status via Customer Service

Alternatively, you can talk to a customer service agent to follow up on your AUB credit card application/delivery status. There are two ways to reach the AUB customer service for your inquiries:

Hotline: +632 8282-8888
Domestic toll-free number: 1-800-10-282-8888

Step 6: Activate Your Credit Card

Lastly, you need to activate your new AUB card as soon as it's delivered. You can start using your credit card to make purchases only after it's activated.

Completing the AUB credit card activation confirms to the bank that you've received the card and that you are indeed the person supposed to have it.

So how to activate your AUB credit card? You can do so via SMS. Simply send the following message to (0917) 581-0480 (for Globe subscribers) or (0918) 839-8282 (for Smart subscribers):

AUBCC <space> ACT <space> [REGISTERED EMAIL ADDRESS] <space> [last six digits of your AUB credit card]

Example: AUBCC ACT JUANCRUZ@SAMPLEEMAIL.COM 123456

AUB Credit Card Online Application: FAQs

The AUB credit card online application process is easy, right? If you want to learn more about AUB credit cards, check out the following:

1. Where can I use my AUB credit card?

You can use your AUB credit card at stores and establishments here and abroad that accept Mastercard.

2. Do my credit card points expire?

No. Your rewards points don’t expire. With your points, you can redeem airline miles, electronic gift vouchers, cash rebates, and travel vouchers.

3. Can I withdraw cash from the ATM using my AUB credit card?

No. Unfortunately, your AUB credit card doesn’t have a cash advance feature like other credit cards on the market.

4. Can I increase my AUB credit limit?

Yes. AUB offers two types of credit limit increases: permanent and temporary. Permanent credit limit increases are subject to bank approval. Temporary credit limit increases, on the other hand, can be requested for a fee. Each approved request costs ₱300.

While you’re at it, you can check your credit limit via the AUB Credit Cards Online Banking Mobile App or the AUB Customer Service Hotline.

5. Where can I settle my credit card dues?

You can pay your credit card bills via the following channels:

AUB branches
AUB auto-debit arrangement
AUB Preferred Online Banking
AUB HelloMoney^[3]
SM Bills Payment Centers
7-Eleven
ECPay outlets
InstaPay
GCash

Final Thoughts

You can breeze through your AUB credit card online application if you’re eligible and have the complete requirements. Should you have concerns, you can always reach out to the bank via its different customer service channels.

Always do a credit card comparison before getting one. You can also explore different credit cards offered by different banks. Check out the UnionBank Rewards Credit Card or the BPI Gold Mastercard.

For more credit card perks and privileges, you may also explore the Metrobank Platinum Mastercard^®, the HSBC Platinum Visa Rebate, or the Security Bank Platinum Mastercard.

If you'd really prefer an AUB credit card, take a quick look at the cards again:

Credit Card	Key Features
AUB Easy Mastercard	No annual fees forever 0% interest on new purchases Flexible payment schedule More minimum amount due options Rewards rate: ₱50/spend
AUB Classic Mastercard	No annual fees forever 0% interest on new purchases Flexible payment schedule Rewards rate: ₱50/spend
AUB Gold Mastercard	No annual fees forever 0% interest on new purchases Flexible payment schedule Unlimited supplementary cards with no annual fees Rewards rate: ₱50/point
AUB Platinum Mastercard	No annual fees forever 0% interest on new purchases Flexible payment schedule Unlimited supplementary cards with no annual fees Complimentary airport lounge access Rewards rate: ₱50/point

Sources:

^[1] AUB Secured Credit Card Deed of Assignment
^[2] AUB Branches
^[3] AUB HelloMoney

AUB Credit Card Online Application: Requirements and Steps to Follow

Venus Zoleta