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Moneymax Reviews: Is AUB Gold Mastercard the Gold Standard?

Ricky Publico

Ricky Publico

Last updated February 27, 2023

Welcome to another edition of Moneymax Reviews! Let’s leave the basic credit cards and head straight to the premium ones with this AUB Gold Mastercard review. As we’ve seen from our previous review, AUB surely knows how to make its cards stand out from the rest.

But how well does AUB fare when it comes to providing the best premium perks? Is the AUB Gold Mastercard the gold standard, or can other credit cards steal the crown? So before you pick your next credit card, take a deep dive into the premium offerings of Asia United Bank’s gold card.

AUB Gold Mastercard Key Features

The standard way to start these reviews is to check each credit card’s key features. Just by looking at its features and benefits, the AUB Gold Mastercard can make people’s heads turn.

aub gold mastercard review - aub gold mastercard
  • Annual fee: No annual fee for life
  • Interest rate: 3%
  • Minimum monthly income requirement: ₱50,083.33
  • Cash advance fee: None
  • Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
  • Overlimit fee: None
  • Foreign currency transaction fee: 1.5% service fee added to the sum of peso conversion and Mastercard fees
  • Card replacement fee: ₱500

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. You can choose any date of the month as your due date. Set it on your payday for the best results.

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

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 have an additional interest. This feature will definitely encourage you to pay your credit card bills on time.

What Perks Can I Enjoy with My AUB Gold Mastercard?

aub gold mastercard review - aub gold mastercard perks

If there’s another reason to get an AUB Gold Mastercard, let AUB’s rewards program[2] convince you. For every ₱50 spend, you earn 1 non-expiring rewards point. Earn more points and convert them to Mabuhay Miles, AirAsia Big rewards, eGifts, and Panda Travel vouchers, as well as cash rebates. 

But if you’re more of an online shopper, AUB also has you covered. Link your AUB Gold Mastercard to your PayPal account for an easy and safer online shopping experience. Add to that 5,000 more payment channels nationwide and you got yourself a great online shopping essential.

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.

Not to mention, all AUB credit cards 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.

Is the AUB Gold Mastercard starting to look good to you? Here’s a quick rundown of features.

AUB CC Blog Visual CTA - aub gold mastercard

Read more: AUB Credit Card Application in 6 Easy Steps

AUB Gold Mastercard Alternatives

aub gold mastercard review - aub gold mastercard alternatives

To round out this AUB Gold Mastercard review, let’s look at other alternatives to see if this week’s featured credit card holds up with the rest.

To start, let’s take a look at the HSBC Platinum Visa Rebate. For a premium credit card requiring you to have at least a ₱41,000+ monthly income, you can get a robust rebate program in return. Earn a 5% rebate on your travel and shopping (including online spend), plus 1% on insurance and 0.50% on all other transactions.

HSBC CC Blog Visual CTA - HSBC Platinum Visa Rebate

See also: First-Timer’s Guide to HSBC Credit Card Application

For more travel perks, check out Metrobank Travel Platinum Visa. It's one of the few premium credit cards in the Philippines that offer free travel accident insurance coverage. Plus, you get priority pass membership on airport lounges worldwide.

Metrobank CC Blog Visual CTA - Metrobank Travel Platinum Visa

Related article: Metrobank Credit Card Application: A Beginner’s Guide

If you have the budget for it, aim for a more expensive credit card like the Citi Prestige Card. It requires an ₱83,333 monthly income, but the perks you get are definitely worth it.

Earn 5x rewards points on online shopping, dining, and foreign currency spend. Also, enjoy Priority Pass access to over 800 VIP airport lounges worldwide and unlimited fourth-night free stays at any hotel.

Note: This product is sold by Union Bank of the Philippines, using certain trademarks temporarily under license from Citigroup Inc. and related group entities.

Citi CC Visa Blog Visual CTA - Citi Prestige Card

Read more:

AUB Gold Mastercard Review: Final Thoughts

That’s it for our AUB Gold Mastercard review. Is it worthy of its “Gold” branding? Based on its key features and benefits, it definitely meets all the expectations of being golden. It’s a good choice if you’re looking to upgrade your credit card.



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.