From its name alone, you know that the AUB Platinum Mastercard is chock-full of exclusive benefits for affluent clients. Indeed, this is marketed as the most premium AUB credit card, catering to high-income earners.
So does the AUB Platinum credit card live up to expectations? In this AUB Platinum Mastercard review, let's see how the card measures up as a premium credit card.
AUB Platinum Mastercard: Key Features
The AUB Platinum Mastercard comes with standard features you'd expect from an AUB credit card and more:
- Annual fee: No annual fee for life
- Interest rate: 3%
- Minimum monthly income requirement: ₱100,000
- Late payment fee: ₱1,000 or the unpaid minimum amount due, whichever is lower
- Foreign transaction fee: 1.5% service fee added to the sum of peso conversion and Mastercard fees
- Card replacement fee: ₱500
❓ Who is This Credit Card Ideal for?
If you're a frequent traveler and shopper looking for premium perks, this card is for you. Learn more about this card's features below.
AUB Platinum Mastercard Review: Why Should I Get This Card?
✔️ No Need to Pay Annual Fees
Premium cardholders typically pay a high price for using their card's wide range of benefits. Most premium credit cards in the Philippines have expensive annual fees, usually between ₱5,000 and ₱6,000.
The AUB Platinum Mastercard is the exception—it's one of the few premium credit cards in the country that offer no annual fees for life. This also extends to supplementary cards. AUB allows Platinum credit cardholders to enroll an unlimited number of supplementary cards without having to pay annual fees.
✔️ Earn and Redeem Rewards Fast
Typically, no annual fee credit cards don't earn rewards or cashback. But AUB credit cards, including the Platinum Mastercard, are among the few ones that do.
AUB Platinum cardholders earn 1 rewards point per ₱50 spend with their card. Accumulated AUB rewards points don't expire, which means you can redeem them anytime for e-gift certificates, cash rebates, air miles, or travel vouchers.
✔️ Enjoy Exclusive Travel Privileges
With the AUB Platinum Mastercard, you can transfer your rewards points for free flights to the PAL Mabuhay Miles Frequent Flyer Program or the AirAsia BIG Points Redemption Program. Every 8.5 AUB points (equivalent to ₱425 spend) can be converted to 1 Mabuhay Mile, while 5 AUB points (equivalent to ₱250 spend) can be converted to 1 AirAsia BIG Point.
Aside from rewards conversion to airline miles, AUB Platinum Mastercard comes with airport lounge access. Cardholders, along with one companion, are entitled to access to the Marhaba Lounge or PAGSS Premium Lounge, complete with complimentary amenities such as a food buffet, Wi-Fi access, luggage area, and more.
✔️ Get a High Credit Limit
Credit limits for the AUB Platinum Mastercard are higher than for other AUB credit cards. This enables VIP clients to maintain their high-end lifestyles and afford luxury items and services.
✔️ No Need to Pay Interest on New Purchases
Any new transaction charged to the AUB Platinum credit card after the statement cut-off will not be slapped with interest. This feature gives the premium cardholder one month free of interest on new purchases, even if only the minimum balance was paid on the previous month's bill.
What Other Perks Can I Enjoy with My AUB Platinum Mastercard?
With the AUB Platinum card, elite clients get to enjoy the features the Easy and Classic cards offer:
✔️ Choose Your Own Due Date
Earning six-digit figures monthly doesn't make one immune to missing due dates. High-income earners are just as likely as ordinary people to struggle with making timely payments—perhaps even more so because they have more bills and financial obligations to settle.
AUB seems to understand such a common predicament. It offers flexible payment options on its premium credit card. When you apply for a Platinum Mastercard, you can choose when you want to pay your credit card bill—from the 1st to the 30th day of the month. This ability to customize payment due dates is a unique and useful feature.
✔️ Automatic Bills Payment
Too busy to settle each of your utility bills? With the AUB Platinum Mastercard's All-Ur-Bills feature, you can rest easy knowing that your bills are taken care of. You may charge Meralco, Maynilad, Globe, and an unlimited number of bills—even those not under your name—to your AUB Platinum credit card.
Did this AUB Platinum Mastercard review convince you? Check out this quick rundown of its features.
AUB Platinum Mastercard Alternatives
The AUB Platinum credit card makes a solid choice for its waived annual fee, attractive rewards program, and exciting travel perks. But, of course, it helps to keep your options open. Consider these alternatives:
💳 AUB Classic Mastercard
If you want more payment flexibility, the AUB Classic Mastercard fits the bill. Aside from setting your own due date, you may also choose how many times you want to pay per month and how much minimum amount you can afford to pay.
Take a look at this comparison of AUB credit cards:
|Credit Card||Key Features|
AUB Easy Mastercard
AUB Classic Mastercard
AUB Gold Mastercard
AUB Platinum Mastercard
If you want options outside of AUB, take a look at these:
Want to earn more points? Use the UnionBank Rewards Credit Card to earn 1 point for every ₱30 spend and 3x points at shopping boutiques, department stores, and restaurants. Exchange these points for gadgets, cash credits, merchandise, points transfers, and more.
🎁 Free Welcome Gift: No Annual Fee for Life Plus Maximum Rewards for U!
Eligible card: UnionBank Rewards Credit Card
Promo period: Until November 30, 2023
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 November 30 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.
Another premium credit card worth considering for frequent online shoppers is the Metrobank World Mastercard®. Its E-Commerce Protection feature covers common online shopping issues like incorrect, incomplete, and damaged items. This Metrobank card also gives 1 rewards point for every ₱20 spend and 2x points on overseas transactions.
Love dining out? Use the Metrobank Platinum Mastercard® to enjoy up to 50% off on exclusive dining deals. You also earn 1 point for every ₱20 spend. Lastly, you get up to US$200 e-Commerce Purchase Protection.
Want rebates instead? The HSBC Platinum Visa Rebate allows you to earn a 5% rebate on shopping and travel transactions, 1% on insurance, and 0.50% on all other transactions. This premium HSBC card also comes with free travel insurance and Caltex fuel rebates (6% on the first transaction, 3% all year round).
Yet another great travel and shopping credit card, the Security Bank Platinum Mastercard earns 2 rewards points for every ₱20 spend. Convert these points to air miles. With this card, you also enjoy free travel insurance of up to ₱10 million, airport lounge access worldwide, and online purchase protection.
With the BPI Platinum Rewards Mastercard, you earn 2 BPI points for every ₱30 local spend and 2 BPI points for every ₱20 foreign spend. Enjoy installments with 0% interest on payments for flights. You also get up to four complimentary airport lounge passes to over 1,300 lounges worldwide every year.
- BPI Credit Card Application: Requirements, Process, and More
- How to Choose a Credit Card Based on Your Needs and Lifestyle
The AUB Platinum Mastercard combines the practical benefits of a standard card and the exclusive perks of a premium card. With this AUB credit card, you'll get the best of both worlds—value for money and a VIP experience.
Considering everything it offers, the AUB Platinum credit card is recommended for frequent travelers, small businesses, and people with high-end lifestyles looking for the best bang for their buck. We hope this AUB Platinum Mastercard review has helped you decide whether this credit card is right for you.