Looking for a leveled-up credit card from AUB? Before you pick your next credit card, take a deep dive into the premium offerings of Asia United Bank in this AUB Gold Mastercard review.
Below, check how well this bank fares when it comes to providing perks. Is the AUB Gold Mastercard the gold standard, or can other credit cards steal the crown?
AUB Gold Mastercard Review: Key Features
Here's a quick glance at the AUB Gold Mastercard's features and benefits:
- Annual fee: No annual fee for life
- Interest rate: 3%
- Minimum monthly income requirement: ₱50,000
- Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
- Foreign currency transaction fee: 1.5% service fee added to the sum of peso conversion and Mastercard fees
- Card replacement fee: ₱500
❓ Who is the AUB Gold Mastercard Ideal for?
AUB Gold Mastercard's features are perfect for those who want to enjoy no annual fees, flexible payments, and perks better than those of basic credit cards.
❓ What is the AUB Gold Mastercard Credit Limit?
This will depend on the bank's assessment of your income, credit score, payment history, and other factors. That said, since it's a higher-tier card, you can typically expect a credit limit bigger than that of the AUB Easy and Classic cards, for instance.
What's Golden About the AUB Gold Mastercard?
✔️ Waived Annual Fees Forever
As mentioned, the AUB Gold Mastercard requires no annual fees for life. Only a few premium credit cards offer lifetime waivers on annual fees off the bat, so don’t miss out. You can add as many supplementary cards as you want without paying annual fees as well.
✔️ Flexible Payment Terms
AUB is all about giving its cardholders more freedom when paying credit card bills. While its affordable credit cards are more flexible in this area, the AUB Gold Mastercard isn’t a slouch, either. Choose any date of the month as your due date—perhaps on your payday for the best results!
✔️ No Interest on New Purchases
What’s more, all AUB credit cards don’t charge interest on purchases made after the statement cutoff.[1] This means that after you pay your minimum amount due, the next purchase you make won’t incur additional interest. This feature will definitely encourage you to pay your credit card bills on time.
✔️ Exciting Rewards Program
For every ₱50 spend, you earn 1 rewards point. AUB's rewards points don't expire, so you can accumulate and redeem them whenever you wish.
Once you earn enough points, you can convert them to Mabuhay Miles or AirAsia BIG Points. Here's a guide:
- 11.5 AUB rewards points = 1 Mabuhay Mile[2]
- 5 AUB rewards points - 1 BIG Point[3]
You can also use your points to get eGift and Panda Travel vouchers and even cash rebates.[4]
✔️ Exclusive Perks from Mastercard
Whether you're here or abroad, you can also enjoy exclusive promos courtesy of Mastercard. Looking for deals on travel, dining, or shopping? There's bound to be at least one promo you'll love!
✔️ Safe and Convenient Online Shopping
If you love shopping online, link your AUB Gold Mastercard to your PayPal account for an easy and safe experience. Just log in to your PayPal account, tap Add Credit/Debit Card, and proceed from there.
Add to that the 5,000 available payment channels nationwide and you've got yourself a great online shopping essential. Plus, all AUB credit cards also come with the Mastercard SecureCode feature for added security. Just input your credit card details and a one-time password (OTP) will be sent to your phone number to verify your purchase.
✔️ Handy Online Banking On the Go
Manage your AUB Gold Mastercard easily with the AUB mobile app. Through the app, you can check your card details, balance, statement of accounts, and promos anytime, anywhere. You can also redeem rewards in-app.
Considering getting the AUB Gold Mastercard? Get started now:
Read more: AUB Credit Card Online Application: Requirements and Steps to Follow
Top Alternatives to AUB Gold Mastercard
To round out this AUB Gold Mastercard review, let’s look at other alternatives to see if this credit card holds up with the rest:
💳 UnionBank Rewards Credit Card
Want more rewards? Use the UnionBank Rewards Credit Card to earn 1 point for every ₱30 spend and 3x points when you shop and dine here and abroad. Plus, you get waived annual fees for life if you apply, get approved, and meet the required minimum spend until June 30, 2024.
Related reading: How to Apply for a UnionBank Credit Card in 3 Easy Steps
💳 Metrobank Titanium Mastercard®
Love shopping? Earn rewards even more quickly with the Metrobank Titanium Mastercard®. Get 1 point with every ₱20 spend and 2x points on online, dining, and department store purchases.
To enjoy waived annual fees forever, apply for this card until August 31, 2024, and meet the spending requirement of ₱180,000.
Related reading: How to Apply for a Metrobank Credit Card Online: Requirements and More
💳 HSBC Gold Visa Cash Back
Looking for cashback instead of rewards? With the HSBC Gold Visa Cash Back, you can enjoy a robust rebate program. Earn a 5% cash back on dining transactions, 3% on fuel spend, and 0.5% on all other purchases.
Relate reading: HSBC Credit Card Application: 4-Step Guide for First-Timers
💳 Security Bank Gold Mastercard
Another gold-tier rewards card, the Security Bank Gold Mastercard earns points quickly—1 point for every ₱20 spend. You can also get your annual fees waived for the first year.
💳 Security Bank Complete Cashback Mastercard
Looking for big savings instead of rewards? To save money on essential purchases and payments, use the Security Bank Complete Cashback Mastercard. Earn 5% cashback on groceries, 4% on fuel, 3% on utilities, 2% on dining, and 1% on shopping.
💳 BPI Gold Rewards Card
Earn 1 rewards point for every ₱35 spend using the BPI Gold Mastercard. For bigger purchases, avail of flexible installment plans for up to 36 months. You can also get your annual fee waived for the first year.
Still really want a card from AUB? We understand—no annual fees and 0% interest on new purchases are both appealing features! Compare credit cards from AUB's lineup below:
| Credit Card | Key Features |
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AUB Easy Mastercard
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AUB Classic Mastercard
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AUB Gold Mastercard
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AUB Platinum Mastercard
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AUB Gold Mastercard Review: Final Thoughts
That’s it for our AUB Gold Mastercard review! Is it worthy of its “Gold” branding?
Based on its key features and benefits, it definitely meets expectations befitting of its golden status. It’s a good choice if you’re looking to upgrade from a basic credit card!
Sources:
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