Icon-Newsletter-smaller
Subscribe to our newsletter, please? 

Reasons why you should sign up for the Moneymax newsletter right now:

✅ Get the latest Moneymax promos

✅ Find the latest credit card deals

✅ Weekly financial guides and tips

I agree to the terms and conditions and agree to receive relevant marketing content according to our privacy policy.

Success Tick Icon
Success! Thank you for signing up for our weekly Moneymax newsletter.

Credit Cards by Asia United Bank (AUB)

Credit cards are supposed to make life easy but some hard-to-understand features and fees may prevent you from applying. Turn your clueless reaction into a smile with AUB credit cards’ customer-centric perks and zero annual fees for life. Go on and fill out your AUB credit card online application today!

See Moreexpand_more
PNB-PAL Mabuhay Miles World Mastercard

PNB-PAL Mabuhay Miles World Mastercard

Minimum Annual Income
₱ 2,400,000
Monthly Effective Interest Rate
2  %
Annual Fee
₱ 6,000  per year

Things to consider for this product:

check

Bonus air miles

check

Installment

check

Exclusive discounts

remove

High income requirement

PNB Essentials Mastercard

PNB Essentials Mastercard

Min. Annual Income
₱ 120,000
info
Monthly Effective Interest Rate
2  %
Annual Fee
₱ 1,200  per year

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

check

Good for beginners

PNB Diamond UnionPay

PNB Diamond UnionPay

Min. Annual Income
₱ 120,000
Monthly Effective Interest Rate
2  %
Annual Fee
₱ 3,000  per year

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

check

Exclusive discounts

PNB-PAL Mabuhay Miles Platinum Mastercard

PNB-PAL Mabuhay Miles Platinum Mastercard

Min. Annual Income
₱ 1,200,000
Interest Rate
2  %
Annual Fee
₱ 3,000  per year

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

remove

High income requirement

PNB-PAL Mabuhay Miles NOW Mastercard

PNB-PAL Mabuhay Miles NOW Mastercard

Min. Annual Income
₱ 120,000
info
Monthly Effective Interest Rate
2  %
Annual Fee
₱ 1,000  per year

Things to consider for this product:

check

Bonus air miles

check

Air ticket rebate

check

No Annual Fee

remove

High income requirement

PNB Platinum Mastercard

PNB Platinum Mastercard

Min. Annual Income
₱ 600,000
Monthly Effective Interest Rate
2  %
Annual Fee
₱ 3,000  per year

Things to consider for this product:

check

Bonus air miles

check

Free reward points

check

Installment

remove

High income requirement

PNB Visa Gold

PNB Visa Gold

Min. Annual Income
₱ 600,000
info
Monthly Effective Interest Rate
2  %
Annual Fee
₱ 600  per year

Things to consider for this product:

check

Travel insurance

check

Installment

check

Exclusive discounts

remove

No rewards

PNB Visa Classic

PNB Visa Classic

Min. Annual Income
₱ 120,000
info
Monthly Effective Interest Rate
2  %
Annual Fee
₱ 300  per year

Things to consider for this product:

check

Installment

check

Good for beginners

check

Exclusive discounts

remove

No rewards

PNB Ze-Lo Mastercard

PNB Ze-Lo Mastercard

Min. Annual Income
₱ 120,000
info
Monthly Effective Interest Rate
2  %
Annual Fee
Free

Things to consider for this product:

check

No Annual Fee

check

Installment

check

Good for beginners

check

Exclusive discounts

Need some help?

No worries, we've got you covered!

Why Choose an AUB Credit Card?

expand_more

Tired of having to adjust to your credit card’s payment rules? Pay on your own terms this time around with AUB credit card’s flexible payment options—choose the frequency and date of your payments. Enjoy newfound flexibility and other features along the way:

  • Flexible Payment Terms - What is freedom when you can’t pay your credit card bills your way? Freedom is yours with AUB cards! Choose to pay your dues from the 1st to the 30th of the month.

    For cards like AUB Easy Mastercard and AUB Classic Mastercard, there’s more flexibility. Change the frequency of your payment schedule, set how much you want to pay, and when your payment will be. The amount of payment per due date will differ per card but below are your options for the due date schedule:
    • Weekly - any day of the week
    • Twice a month
      • First payment - From the 1st to the 15th
      • Second payment - 15 days after the first payment
    • Monthly - 1st to the 30th

 

  • No Annual Fees for Life! - Your search for a credit card with no annual fees ends here! AUB credit cards have no annual fees for life for you AND your supplementary cardholders.

  • Earn 1 Reward Point for Every ₱50 Spend - Are you all for rewards that are easy to collect? With AUB credit cards’ non-expiring reward points, it’s easy to redeem rewards that’ll suit your needs. Earn 1 point for every ₱50 spend and redeem air miles, travel vouchers, cash rebates, and e-gift certificates as your reward.

  • Enjoy Free Flights with Philippine Airlines - Enjoy free flights from Philippine Airlines through your reward points. Get more from your AUB credit card points by transferring it to your Mabuhay Miles Account and get 1 Mabuhay Mile for every 8.5 reward points. Use your Mabuhay Miles to get free flights or service class upgrades with Philippine Airlines.

  • 0% Interest in Installments - Delay the full payment of your high-ticket purchases to make the most out of your budget with affordable installment plans. Enjoy 0% interest in installments payable in 3, 6, 9, 12, 18, 24, and 36 months when you use your AUB credit card to pay for items worth at least ₱3,000.

    But what if you’ve already paid for the item in full and wish to change it to installments? Your wish is granted with the post-pay installment option of converting your straight charge purchase to installment payable in 6 or 12 months. You’ll only need to pay a low add-on interest rate of 1% and you’re all set.

Who Can Apply for an AUB Credit Card?

expand_more

Filipinos residing in the Philippines can apply for any AUB credit card online as long as they fit the following criteria:

  • Must be at least 21 to 65 years old
  • Must be a Filipino with local residence
  • Must have a gross annual income of at least ₱252,000
  • For employed: must be a regular employee with a registered corporation/company for at least 1 year
  • For self-employed: at least 1 year in a profitable and registered business
  • For licensed professional: must be practicing for at least 1 year
  • Must have an active landline (work or home) and mobile number and email address

What are the Requirements to Apply for an AUB Credit Card?

expand_more

You only need a few documents to apply and get approved for an AUB credit card. Documents differ depending on your employment and residence status as seen below:

 

AUB Credit Card Requirements for Employed:

  • 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
  • Any of the following:
    • Latest ITR (Form 2316)
    • 1 month latest payslip
    • Certificate of Employment/Compensation

AUB Credit Card Requirements for Self-Employed

  • 1 valid ID (SSS, TIN, Passport, Driver’s License, Company ID)
  • Latest ITR (Form 1707, Form 1701Q)
  • Latest Financial Statements
  • DTI Registration (ideally under the card applicant’s name)