AUB Classic Mastercard

AUB Classic Mastercard

Minimum Annual Income


(P21,000 Monthly)

Interest Rate


Annual Fee


Product Summary

AUB Classic Mastercard

AUB Classic Mastercard

Rest easy with a credit card that gives you freedom to choose. Apart from waived annual fees, the AUB Classic Mastercard also allows you to earn 1 rewards point for every ₱50 spend. Use your points to redeem cash rebates, travel vouchers, and more.

  • No annual fees forever
  • No interest on new purchases
  • Choose how many times you want to pay per month
  • Choose the amount you can pay
  • Get this card for: online shopping and travel
Existing Credit CardRequired
Landline numberRequired
Age21 to 65 years old
Minimum Annual IncomeP252,000
Regular Employee
Annual Fee Free
Annual Fee WaiverYes
Monthly Effective Interest Rate2%

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Why Choose AUB Classic Mastercard?

Don’t you wish you could have the freedom to choose your credit card due dates and payment schedule? With the AUB Classic Mastercard, you can pay your card fees on your own terms. Find out more in this short review.

Customize your payment schedule and amount due

Tailor-fit your credit card due date, amount, and payment frequency to your liking. The AUB Classic Mastercard gives you the option to choose how much and how often to pay for your fees from weekly, bimonthly, and monthly.

For your payment frequency, you can pick the days and dates based on your chosen 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

For your minimum amount due, pick from the ones listed below based on your preferred schedule:

Twice a Month₱2,000₱2,500₱3,000₱3,500₱4,000₱4,500

    Enjoy zero annual fees for life

    Aside from having the freedom to choose your credit card payment scheme, you’ll also be free from annual fees! Yes, the AUB Classic Mastercard waives your annual fees for life. This means you get more savings every year and more reasons to swipe your card!

    Buy new purchases with 0% interest

    Shop with confidence after you’ve paid your credit card monthly fees without worrying about the interest. The AUB Classic Mastercard slashes the interest off new transactions so you get one month free of interest on your purchases done after the statement cut-off.

    Is AUB Classic Mastercard the Right Card for You?

    If you want freedom from annual fees and to pay for your credit card dues whenever you want, choose AUB Classic Mastercard. Not feeling this? Try these credit card alternatives:

    • HSBC Red Mastercard. This credit card gives cardholders a warm welcome with its waived annual fee on the first year. It also accelerates rewards collection with its 4x reward points on shopping (in-store and online), overseas, and dining transactions.
    • Metrobank M Free Mastercard. Enjoy zero annual fees forever and 0% interest on installment plans with partner merchants. You’ll also feel the convenience of this credit card with their value-added services such as Bills2Pay and M Connect for your utility and card billing needs.


    The AUB Classic Mastercard is a cheap credit card with no annual fees and no interest on new purchases. It is the only credit card that lets you choose when to pay and how much to pay your credit card bill. You can also link your AUB Classic credit card to your PayPal account for an easier and safer way to shop online!

    You can use it for many things! For shopping in-store and online, dining, and paying your bills. AUB’s AllUrBills feature allows you to instantly charge your utility bills to your AUB credit card. Just inform an AUB customer service representative.

    Nope. You don’t have to be an existing credit cardholder to be eligible for an AUB Classic credit card.

    AUB has several payment channels you can choose from. Pay at any AUB branches, SM Bills Payment Centers, 7-11 and ECPay Partners, or simply do it at home via Bancnet online and mobile banking.

    The processing time for an AUB Classic credit card application is 11 to 14 banking days. This is from the day you submit all required documents.


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