Published: July 21, 2020 | Updated: September 30, 2020 | Posted by: Venus Zoleta | Credit Card
AUB credit cards might have caught your interest because of their waived annual fees, and 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.
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 when it comes to 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? Here’s a step-by-step guide to help you easily apply for an AUB credit card in the Philippines.
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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.
If you meet all the requirements below, then you can apply for a regular credit card with AUB:
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:
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 will use to determine your credit limit, which is 80% of the hold-out deposit.
Whether you opt for a regular or 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.
Based on the eligibility criteria and features listed above, here’s the perfect AUB credit card for every type of applicant:
Make your AUB credit card application smooth and hassle-free by gathering the required supporting documents beforehand.
AUB offers three official channels where you can apply for a credit card:
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.
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 credit card status. You may also track the status of your AUB credit card application or card delivery online or via phone call.
It’s quick and easy to know your AUB credit card online status. Simply follow these steps:
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:
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.
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
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.