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Moneymax Reviews: Is AUB Gold Mastercard the Gold Standard?

Ricky Publico

Ricky Publico

Last updated August 23, 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
  • 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

❓ 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 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 Other 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 one non-expiring rewards point. Earn more points and convert them to Mabuhay Miles, AirAsia Big rewards, eGift and Panda Travel vouchers, and even cash rebates.[2]

✔️ 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. 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? Here’s a quick recap of its key features.

AUB Gold Mastercard

Read more: AUB Credit Card Application in 6 Easy Steps

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 August 31, 2023.

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

🎁 Free Welcome Gift: No Annual Fee for Life Plus Maximum Rewards for U!

moneymax unionbank rewards credit card no annual fee promo

Eligible card: UnionBank Rewards Credit Card

Promo period: Until January 31, 2024

Say goodbye to annual fees forever and hello to next-level rewards with your new UnionBank Rewards Card! Just apply via Moneymax and get approved within the promo period, and then meet the ₱20,000 spend requirement within 60 days from your card approval date.

This Moneymax UnionBank Rewards Credit Card No Annual Fee Promo runs until January 31, 2024 only. Per DTI Fair Trade Permit No. FTEB-172472 Series of 2023.

Note: The promo is exclusive to 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 December 31, 2023, and meet the spending requirement of ₱180,000. 

Related reading: Metrobank Credit Card Application: Eligibility, Requirements, and More

🎁 Free Gift from Moneymax: ₱2,500 eGift, Xiaomi Smart Band 8, or Xiaomi Redmi Soundbar

moneymax metrobank credit card promo - giftaway egift smart band 8 xiaomi redmi soundbar

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

Promo period: Until December 31, 2023

How do you get an awesome Metrobank credit card welcome gift? Simple! Just apply and get approved for any eligible card through the Moneymax website. Choose from a ₱2,500 eGift voucher via Giftaway, Xiaomi Smart Band 8 smartwatch (worth ₱1,999) or Xiaomi Redmi Soundbar (worth ₱2,499) as your free special gift!

Per DTI Fair Trade Permit No. FTEB-177435 Series of 2023. Terms and conditions apply. This Moneymax Metrobank eGift/Xiaomi promo runs until December only. So hurry and apply now!

Note: Applicant must be an existing credit cardholder in good standing for at least 9 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: A First-Timer’s Guide to HSBC Credit Card Application

🎁 Free Gift from Moneymax: ₱2,500 eGift, ₱2,500 SM Gift Pass, or Dolce Gusto Coffee Machine

moneymax hsbc credit card promo - egift sm gift pass dolce gusto

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

Promo period: Until December 31, 2023

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 free welcome gift! Choose from a free eGift voucher worth ₱2,500, an SM Gift Pass worth ₱2,500, or a Nescafé Dolce Gusto Piccolo XS coffee machine (worth ₱5,199).

Per DTI Fair Trade Permit No. FTEB-173270 Series of 2023. Terms and conditions apply. This Moneymax HSBC Giftaway/SM Gift Pass/Dolce Gusto promo runs until December 31 only. So hurry and apply now!

💳 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 Next Mastercard

Security Bank Next Mastercard

Looking for a credit card for big-ticket purchases? Use the Security Bank Next Mastercard's Auto Installment feature to convert any purchase of at least ₱5,000 into installments of three, six, and 12 months with a monthly add-on rate of 1%. Plus, its annual fees are waived for life! 

🎁 Free Gift from Moneymax: ₱2,500 eGift, Sony Wireless Headphones, or De'Longhi Blade Coffee Grinder

Eligible cards: Select Security Bank credit cards

Promo period: Until December 31, 2023

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, Sony WH-CH520 wireless headphones (worth ₱3,299), or a De’Longhi Blade Coffee Grinder (worth ₱3,800).

Per DTI Fair Trade Permit No. FTEB-175575 Series of 2023. Terms and conditions apply. This Moneymax Security Bank Giftaway/De'Longhi credit card promo runs until December 31 only. Apply now!

💳 BPI Gold Mastercard

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.

If you really want a card from AUB, here's a quick comparison of its cards:

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 your 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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