AUB credit cards might have caught 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.
For instance, did you know that AUB credit cards are among those with the fastest rewards earn rate in the Philippines? Every PHP 20 spent using an AUB Mastercard earns you 1 rewards point. Other credit cards require a higher minimum spend to earn rewards.
AUB also offers flexibility for paying credit card bills. Choose your own payment due date, frequency, and fixed minimum balance. If you select the right payment terms, this feature can help you manage your finances well and avoid making late payments.
With all such features, having a credit card from AUB is absolutely worth it. Interested in getting one already? No worries because here's an easy step-by-step AUB credit card application guide to help you.
AUB Credit Card Application Steps
If you want to know how to apply for a credit card in AUB, here are the simple steps you need to follow.
1. Pick the Right AUB Credit Card for You
AUB credit cards come in four types: Easy, Classic, Gold, and Platinum. Each card caters to a specific income bracket, budget, and lifestyle.
Before you apply for an AUB credit card, it's important to figure out which one is the best match for you. This way, you'll avoid problems like getting your application rejected or not making the most of the card's features and benefits.
Narrow down your options. First, determine which credit card you qualify for based on AUB's eligibility requirements, especially your gross income and source of income.
Regular AUB Credit Card Eligibility Criteria
If you meet all the requirements below, then you can apply for a regular credit card with AUB:
- Age: 21 to 65 years old
- Minimum gross monthly income:
- Easy/Classic Mastercard - PHP 21,000
- Gold Mastercard - PHP 50,000
- Platinum Mastercard - PHP 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, an office landline, 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
- Minimum hold-out deposit:
- Easy - PHP 25,000
- Classic - PHP 50,000
- Gold - PHP 125,000
- Platinum - PHP 250,000
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.
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 not only the features you need but also one that helps manage your credit card payments best.
Here's a quick overview of each AUB credit card features. For more details, check out this online comparison tool for AUB credit cards.
AUB Easy Credit Card
- Annual fee: Free for life
- Interest rate: 2%
- Supplementary cards: Not available
- Rewards: 1 point per PHP 50 spend
- Payment options: Frequency: Monthly / Semi-monthly / Weekly
AUB Classic Credit Card
- Annual fee: Free for life (both principal and supplementary cards)
- Interest rate: 2%
- Supplementary cards: Unlimited cards can be enrolled per account
- Rewards: 1 point per PHP 50 spend
- Payment options: Frequency: Monthly / Semi-monthly / Weekly
AUB Gold Mastercard
- Annual fee: Free for life (both principal and supplementary cards)
- Interest rate: 2%
- Supplementary cards: Unlimited cards can be enrolled per account
- Rewards: 1 point per PHP 50 spend
- Payment options: Monthly payments with a due date of any day from the 1st to 30th of the month
Extra features:
- Rewards conversion to Mabuhay Miles: 8.5 AUB points = 1 Mile
- Free airport lounge access
AUB Platinum Mastercard
- Annual fee: Free for life (both principal and supplementary cards)
- Interest rate: 2%
- Supplementary cards: Unlimited cards can be enrolled per account
- Rewards: 1 point per PHP 50 spend
- Payment options: Monthly payments with a due date of any day from the 1st to 30th of the month
Extra features:
- Rewards conversion to Mabuhay Miles: 8.5 AUB points = 1 Mile
- Free airport lounge access
Which is the Best AUB Credit Card for Me?
Based on the eligibility criteria and features listed above, here's the perfect AUB credit card for every type of applicant:
- Easy Mastercard - Best for first-timers and low-income earners without dependents (being the only AUB card without a supplementary card and with lower minimum balance payment options than the Classic card)
- Classic Mastercard - Best for breadwinners, married couples, and parents in the low-income bracket
- Gold Mastercard - Best for middle-income earners who travel frequently
- Platinum Mastercard - Best for high-income earners who travel frequently
3. Prepare the AUB Credit Card Requirements
Make your AUB credit card 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
- Income documents
- For employees: 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 (printed/online)
4. Submit Your AUB Credit Card Application
AUB offers three official channels where you can apply for a credit card:
- Online application through the AUB website[2]
- Walk-in application at any AUB branch[3]
- AUB Customer Service Hotline at (02) 8282-8888 or domestic toll-free number at 1-800-10-282-8888
These days, the most convenient and safest way to get an AUB credit card is to apply online. No waiting in line at the bank, which means reduced exposure to COVID-19. AUB credit card online application is even faster than making a phone call through the bank's customer service hotline.
However, applying for an AUB credit card via customer service or at an AUB branch makes sense if you don't have a stable internet connection at the moment.
5. Check Your AUB Credit Card Status
Processing your AUB credit card application may take up to 14 banking days from the time you submitted the complete requirements.
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[4]
- 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: (02) 8282-8888
- Domestic toll-free number: 1-800-10-282-8888
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 you're indeed the person who's supposed to have it.
How to Activate AUB Credit Card
To activate your new credit card, you can either make a phone call or send a text message to AUB.
AUB Credit Card Activation via Phone Call
Contact the AUB Customer Service hotline at (02) 8282-8888 anytime from 6 a.m. to 11 p.m. Have your card ready during the call as the AUB agent will ask for certain information to process your credit card activation.
AUB Credit Card Activation 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
Final Thoughts
You can breeze through your AUB credit card application, especially if you do it online. Just follow the steps above and make sure to submit complete requirements. And should you ever have issues with your card, just call the AUB credit card hotline.
Always do a credit card comparison before getting one. Explore different credit cards offered by different banks. Check out the EastWest Classic Visa, the BPI Gold Mastercard, or the RCBC Flex Gold. For more credit card perks and privileges, you may also explore the Bank of Commerce Platinum Mastercard, or the Metrobank Travel Platinum Visa.
Sources:
- [1] AUB Secured Credit Card Deed of Assignment
- [2] and [4] AUB credit card online application facilities (Easy/Classic | Gold/Platinum | Secured)
- [3] AUB Branches
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