Are you looking for a credit card with no annual fee and a myriad of benefits for cardholders? There’s no need to look further because the AUB Gold Mastercard Credit Card has these needs covered.
Aside from the waived annual fee for life, cardholders can also earn reward points for every swipe of the card, access to airport lounges, exclusive discounts and more. If that’s not enough, they also make it simple to apply for the card online.
Intrigued? Read on to learn more about the features, benefits, disadvantages, and fees associated with the AUB Gold Mastercard Credit Card. Also, find out how to apply without leaving home.
Features and Benefits of the AUB Gold Mastercard
The Asia United Bank Corp. (AUB) offers a host of benefits to its credit card holders. The bank highlights its flexibility for cardholders to pay any amount whenever it is convenient for them.
Moreover, the AUB Gold Mastercard Credit Card provides complimentary access to airport lounges that offer buffet meals, Wi-Fi access, and more. By simply presenting your AUB Gold Mastercard Credit Card, you can rest comfortably in different airport lounges all over the Philippines.
The AUB Gold Mastercard Credit Card also allows you to earn Mabuhay Miles, which can be converted into cash for free flights and bigger discounts. For every Php 40 spent using the card, you can immediately earn 2 rewards points. The minimum points required for conversion starts at 4,000.
Another highlight of the card is the flexibility to choose the minimum amount due and payment due date. This can help cardholders manage their payments and avoid penalties.
Cons of the AUB Gold Mastercard Credit Card
One of the disadvantages of having this credit card is the instalment charge of Php 500 for every instalment plan transaction. Some other credit cards don’t charge for this specific action. In addition, the late payment fee is at Php 700, which is definitely higher than others.
Terms of Eligibility & Application Details
Interested applicants can submit their application on the AUB website or by visiting a branch. The age requirement for the AUB Gold Mastercard is between 21 to 65 years old. Applicants also need to be employed for about a year to qualify.
Documents needed for the application include a government ID with a photo, an employment ID, income documents such as a payslip, your latest ITR, and a certificate of employment.
Fees & Charges
- Annual Fee – Php 0
- Interest rate – 3.5% based on average daily balance
- Foreign Transaction Fee – 1% service charge for every transaction
- Late Payment Fee – Php 700
- Installment Free Termination Fee – Php 500 for every instalment plan
Bank Address & Contact Details
Customers who are in need of assistance and support regarding AUB credit cards and other products can contact their hotline at 282-8888 or +800-1-282-8000 for International Toll-Free Number.
The AUB’s main office is located at Joy-Nostalg Center, No. 17 ADB Avenue, Ortigas Center, Pasig City, Philippines. The office hours are only Monday to Friday, 8:30AM to 5:30PM.
Thoughts
With its low-interest rate and no annual fee feature, you can definitely save money while earning points for free flights and lounge access with the AUB Gold Mastercard Credit Card. While there is a fee for the use of the payment installment feature and other high fees for late payment, the many benefits of this card far outweigh the negatives.
For more information, visit AUB online or in-person today.
Note: There are risks involved when applying for and using a credit card. Please see the
bank’s Terms and Conditions page for more information.