Moneymax Reviews: AUB Mastercard – Go Easy or Go Classic?

Published: July 28, 2020 | Updated: August 28, 2020 | Posted by: Ricky Publico | Credit Card


AUB Credit Card Review: Comparing AUB Easy vs. AUB Classic

Welcome back to another edition of Moneymax Reviews! This week, we’re doubling the savings and doubling the fun. Because for the first time ever, we’re pitting two credit cards against each other to see which one’s the right choice in this AUB credit card review.

In the red corner, we have the AUB Easy Mastercard and in the blue corner, we have the AUB Classic Mastercard. Which of these affordable credit card options from Asia United Bank works best with your lifestyle? Let’s take an in-depth look at these competing AUB credit cards.

AUB Easy and Classic Mastercard Terms and Conditions

Before we start with our AUB credit card review, let’s check out the key features of both cards. On paper, both cards have the same key features that you would mistake one for the other. Nevertheless, these features are quite enticing.

AUB Easy and Classic Mastercard Key Features

  • Annual fee: No annual fee for life!
  • Interest rate: 3.50%
  • Minimum monthly income requirement: PHP 21,000
  • Cash advance fee: None
  • Late payment fee: PHP 700 or the unpaid minimum amount due, whichever is lower
  • Overlimit fee: None
  • Foreign transaction fee: 1% service fee added to the sum of peso conversion and Mastercard fees
  • Card replacement fee: PHP 500

Read more: 6 Easy Steps to Applying for an AUB Credit Card

What’s So Great About the AUB Easy Mastercard?

aub credit card review - aub easy mastercard

True to its name, the AUB Easy Mastercard makes owning a credit card a lot easier, especially for first-time cardholders. It’s definitely one of the most unique credit cards out there, thanks to the freedom it provides you when it comes to credit card payments.

With an AUB Easy Mastercard, you can choose how many times to pay every month. You can choose to pay once a month, twice a month, or weekly. This gives you enough leeway to budget your payments or slowly clear out your credit card balance without going over.

You can also choose exactly when to pay your credit card dues. Here are your choices:

  • For monthly payments, you can choose your due date from the 1st to the 30th day of the month.
  • For bi-monthly payments, you can choose from 15 payment due dates below.
    • 1st and 16th
    • 2nd & 17th
    • 3rd & 18th
    • 4th & 19th
    • 5th & 20th
    • 6th & 21st
    • 7th & 22nd
    • 8th & 23rd
    • 9th & 24th
    • 10th & 25th
    • 11th & 26th
    • 12th & 27th
    • 13th & 28th
    • 14th & 29th
    • 15th & 30th
  • For weekly payments, choose any day of the week as your due date.

And most importantly, you can choose the exact amount you want to pay. The following amount options will be your minimum amount due in your statement.

  • For monthly payments, you can choose any of these as your minimum amount due:
    • PHP 750
    • PHP 800
    • PHP 1,000
    • PHP 1,500
    • PHP 2,000
    • PHP 2,500
    • PHP 3,000
  • For bi-monthly payments, you can choose any of these as your minimum amount due:
    • PHP 500
    • PHP 1,000
    • PHP 1,500
  • For weekly payments, you can choose any of these as your minimum amount due:
    • PHP 250
    • PHP 500
    • PHP 750

Want to give the AUB Easy Mastercard a try? Here’s a quick review of its features.

aub credit card review - aub east mastercard cta

Why Should I Consider an AUB Classic Mastercard?

aub credit card review - aub classic mastercard

Just like its counterpart, the AUB Classic Mastercard aims to make your credit card payments a lot more convenient. It has the same payment schedule options with the AUB Easy Mastercard. The catch is it has more minimum amount due options.

  • For monthly payments, you can choose any of these as your minimum amount due:
    • PHP 750
    • PHP 800
    • PHP 1,000
    • PHP 1,500
    • PHP 2,000
    • PHP 2,500
    • PHP 3,000
  • For bi-monthly payments, you can choose any of these as your minimum amount due:
    • PHP 500
    • PHP 1,000
    • PHP 1,500
  • For weekly payments, you can choose any of these as your minimum amount due:
    • PHP 250
    • PHP 500
    • PHP 750

Aside from this, you can enroll supplementary cards with your AUB Classic Mastercard with no annual fees as well. That’s the extra benefit of choosing the more expensive AUB Mastercard.

Considering an AUB Classic Mastercard? Here’s a quick rundown of its features.

aub credit card review - aub classic mastercard cta

What Perks Can I Enjoy with My AUB Mastercard?

aub credit card review - aub credit card perks

Whatever you choose between the AUB Easy Mastercard and the AUB Classic Mastercard, you’ll get the same perks and benefits. And mind you, these benefits aren’t anything to scoff at.

For starters, there’s no need to worry about paying for annual fees because both cards don’t have any. That’s right, free annual fees for life! That’s already better than other credit cards who only offer no annual fees for the first year.

And what’s more, AUB credit cards don’t charge interest on purchases made after the statement cutoff[1]. So if you paid your previous minimum amount due, your next purchase after that won’t have additional interest. Now that’s an incentive to pay your credit card bills on time.

Frequent travelers will surely get a kick out of AUB’s rewards program[2]. Because you can easily earn one (1) non-expiring rewards point for every PHP 20 spend. Convert your points to Mabuhay Miles, GetGo rewards, AirAsia Big rewards, eGift and Panda Travel vouchers, and even cash rebates.

Online shoppers will also enjoy using either cards in this AUB credit card review. Shop from international stores online by linking your AUB Easy or Classic Mastercard for top-up transactions on your Alipay or Paypal account. Over 5,000 payment channels nationwide accept AUB credit cards, so shopping locally is also a breeze.

Read more: 8 Best Rewards Credit Cards in the Philippines

AUB Easy and Classic Mastercard Alternatives

aub credit card review - airport lounge

While the AUB Easy and Classic Mastercard definitely look like viable options, let’s look at the alternatives out of fairness.

If you want more premium perks out of your AUB credit card, then consider upgrading to the AUB Gold Mastercard or the AUB Platinum Mastercard. Aside from having no annual fees, it comes with extra perks like free airport lounge access and more. Just make sure you earn at least PHP 50,000 a month.

If you’re looking for other credit cards with no annual fees, check out the Citi Simplicity Card. Aside from the annual fee, this card won’t charge you late payment and overlimit fees. It’s definitely worth a look, especially for first-time cardholders. The Metrobank M Free Mastercard also has no annual fees, plus it has a lower monthly income requirement at PHP 15,000.

But if you don’t mind paying annual fees, then check out the HSBC Red Mastercard. For only PHP 1,500 per year, you get to earn 4x bonus points on online, shopping, dining, and overseas transactions and up to 6% rebate on fuel purchases.

Read more: 10 Credit Cards for First-Time Applicants in the Philippines

Final Thoughts

There you have it, two of AUB’s budget-friendly cards. Did this AUB credit card review convince you to at least compare your options? Finding the right credit card really takes time and effort. Which credit card do you want to see next? Who knows, we might feature your favorite on the next Moneymax Reviews.

Read More:

aub credit card review - credit card cta

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DISCLAIMER: Moneymax strives to keep its article information accurate and up to date. The information you read may be different from what you see when you visit a partner, provider, or financial institution’s website. All information we publish is presented without warranty and may change overtime. If you find discrepancies or outdated information, please contact Moneymax directly.

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