Moneymax Reviews: Is AUB Gold Mastercard the Gold Standard?

Ricky Publico

Ricky Publico

Last updated December 14, 2023

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 the best 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:

aub gold mastercard review - key features
  • Annual fee: No annual fee for life
  • Interest rate: 3%
  • Minimum monthly income requirement: ₱50,000
  • Cash advance fee: None
  • 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. Learn more about these benefits below. 

❓ 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. 

What is Golden About AUB Gold Mastercard?

aub gold mastercard review - features and benefits

AUB is all about giving its cardholders more freedom to pay their 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!

AUB Gold Mastercard also requires no annual fees for life. Only a few premium credit cards offer lifetime waivers on annual fees right off the bat, so don’t miss out. Plus, you can add as many supplementary cards as you want without paying extra.

What’s more, all AUB credit cards don’t charge interest on purchases made after the statement cutoff.[1] This means that after paying 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.

What Rewards and Perks Can I Enjoy with My AUB Gold Mastercard?

aub gold mastercard review - rewards and perks

Need a little more convincing? Check out these benefits:

✔️ 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 and AirAsia BIG rewards. Here's a guide:

  • 8.5 AUB rewards points - 1 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

Managing your AUB Gold Mastercard is easy and convenient with the AUB mobile app. Through the app, you can check your card details, balance, statement of accounts, and promos anytime, anywhere. Rewards redemption can also be done in-app.

Considering getting the AUB Gold Mastercard? Click below to view a quick recap of its key features.

AUB Gold Mastercard

Read more: AUB Credit Card Online Application: Requirements and Steps to Follow

AUB Gold Mastercard Alternatives

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

UnionBank Rewards Credit Card

Want more rewards? Use the UnionBank Rewards Credit Card to earn 1 point for every ₱30 spend and triple points when you shop and dine here and abroad. Plus, you get waived annual fees for life if you apply and get approved until January 31, 2024.

Related reading: How to Apply for a UnionBank Credit Card: 3 Easy Steps to Follow

🎁 Free Gift from Moneymax: Marshall Emberton, Dolce Gusto Genio S Plus, Apple AirPods 2, Samsung Galaxy Buds FE, or Giftaway Cash Credits

moneymax unionbank credit card welcome gift

Eligible card: Any UnionBank credit card 

Promo period: Until June 30, 2024

Get a Marshall Emberton worth ₱9,990, Dolce Gusto Genio S Plus worth ₱8,699, Apple AirPods 2 worth ₱8,490, Samsung Galaxy Buds FE worth ₱5,490, or Giftaway cash credits worth ₱4,000! Just apply for any UnionBank credit card via Moneymax, get approved within the promo period, and then meet the ₱10,000 spend requirement within 60 days from your card approval date.

This Moneymax UnionBank welcome gift promo runs until June 30, 2024 only.

Per DTI Fair Trade Permit No. FTEB-192101 Series of 2024. Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-193077 Series of 2024. Terms and conditions apply.

Per DTI Fair Trade Permit No. FTEB-193104 Series of 2024. Terms and conditions apply.

Note: The promo is exclusive to carded applicants who do not have an existing principal credit card issued by UnionBank and/or Citi.

💳 Metrobank Titanium Mastercard®

Metrobank Titanium

Love shopping? Earn rewards even more quickly with the Metrobank Titanium Mastercard®. Get 1 point with every ₱20 spend and double the points on online, dining, and department store purchases.

To enjoy waived annual fees forever, apply for this card until February 29, 2024, and meet the spending requirement of ₱180,000. 

Related reading: How to Apply for a Metrobank Credit Card Online: An Updated 2023 Guide

🎁 Free Gift from Moneymax: ₱2,500 Cash Credits, Dolce Gusto Piccolo XS, or Xiaomi Redmi Bluetooth Soundbar

moneymax metrobank credit card promo - giftaway egift dolce gusto piccolo xs xiaomi redmi bluetooth soundbar

Eligible cards: Metrobank Titanium Mastercard®, Platinum Mastercard®, and World Mastercard®

Promo period: Until May 31, 2024

How do you get a Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website.

Choose between ₱2,500 worth of cash credits via Giftaway, a Dolce Gusto Piccolo XS worth ₱5,199, or a Xiaomi Redmi Bluetooth Soundbar worth ₱2,499 as your free special gift.

This Moneymax Metrobank eGift/Dolce Gusto/Xiaomi Redmi promo runs until May 31, 2024 only. Hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-191118 Series of 2024. Terms and conditions apply.

Note: Applicant must be an existing credit cardholder in good standing for at least nine months.

💳 HSBC Platinum Visa Rebate

HSBC CC Blog Visual CTA - HSBC Platinum Visa Rebate

Looking for cashback instead of rewards? With the HSBC Platinum Visa Rebate, you can enjoy a robust rebate program. Earn a 5% rebate on your travel and shopping (including online spend), plus 1% on insurance and 0.50% on all other transactions.

Relate reading: HSBC Credit Card Application: 4-Step Guide for First-Timers

🎁 Free Gift from Moneymax: Giftaway Cash Credits, JBL Flip 6, or JBL Wave Beam

moneymax hsbc credit card promo

Eligible cards: HSBC Red Mastercard, Gold Visa Cash Back, and Platinum Visa Rebate

Promo period: Until June 30, 2024

Not an HSBC credit cardholder yet? Apply for an HSBC card through Moneymax during the promo period (and get approved subsequently) to receive an exciting welcome gift! Choose from free Giftaway cash credits worth ₱3,000, a JBL Flip 6 worth ₱7,499, or a JBL Wave Beam worth ₱3,799

This Moneymax HSBC Giftaway/JBL promo runs until June 30, 2024 only. So hurry and apply now!

Per DTI Fair Trade Permit No. FTEB-192974 Series of 2024. Terms and conditions apply. 

💳 Security Bank Gold Mastercard

Security Bank Gold Mastercard

Another 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

Security Bank Complete Cashback Platinum Mastercard

Looking for big savings? 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 bills, 2% on dining, and 1% on shopping.

🎁 Free Gift from Moneymax: ₱2,500 eGift, JBL Bluetooth Speaker, or JBL Wireless Earbuds

security bank welcome gift - egift jbl horizon 2 jbl wave beam true wireless

Eligible cards: Select Security Bank credit cards:

Promo period: Until May 31, 2024

Want a credit card from Security Bank? You're in for a treat if you apply and get approved for an eligible card through Moneymax and meet the minimum spend requirement. Pick your free Security Bank welcome gift: a ₱2,500 Giftaway eGift voucher, a JBL Horizon 2 Bluetooth Clock Radio Speaker worth ₱5,354, or JBL Wave Beam True Wireless Earbuds worth ₱3,799.

This Moneymax Security Bank Giftaway/JBL Horizon 2/JBL Wave Beam credit card promo runs until May 31, 2024 only. Apply now!

Per DTI Fair Trade Permit No. FTEB-191158 Series of 2024.  Terms and conditions apply

💳 BPI Gold Rewards Card

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
AUB Easy Mastercard
COMPARE NOW - AUB Easy Mastercard
  • No annual fees forever
  • 0% interest on new purchases
  • Flexible payment schedule
AUB Classic Mastercard
COMPARE NOW - AUB Classic Mastercard
  • No annual fees forever
  • 0% interest on new purchases
  • Flexible payment schedule
  • Rewards rate: ₱50/spend
AUB Gold Mastercard
AUB Gold Mastercard
  • No annual fees forever
  • 0% interest on new purchases
  • Flexible payment schedule
  • Unlimited supplementary cards
  • Rewards rate: ₱50/point
AUB Platinum Mastercard
  • No annual fees forever
  • 0% interest on new purchases
  • Flexible payment schedule
  • Unlimited supplementary cards
  • Rewards rate: ₱50/point


AUB Gold Mastercard Review: Final Thoughts

That’s it for our AUB Gold credit card 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!

Compare credit cards with Moneymax


Ricky is the zaniest Product Marketing Manager at Moneymax, with over six years of writing experience in the digital marketing industry. He had written for SEO, cybersecurity, and other related industries prior to joining Moneymax. He also specializes in content writing, copywriting, and email marketing. He is a huge fan of pro-wrestling, One Piece, and smartphones in general. Follow Ricky on LinkedIn.


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