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!
PNB-PAL Mabuhay Miles World Mastercard
- Convert your rewards points easily: 1 point = 1 mile.
- Receive 2,000 Mabuhay Miles as a welcome gift.
- Get additional 10,000 Mabuhay Miles for your PAL spending.
- Avail of World Assist, an exclusive travel and medical concierge service.
- Enjoy priority check-in at PAL Business Class counters.
- Ideal for: people who like to travel and enjoy class and luxury.
Regular Employee
- Proof of income
- Government-issued
- Signed Certificate of Employment
PNB Essentials Mastercard
- Never pay for annual fees
- Earn rewards points and use to redeem Mabuhay Miles or Cash Credits
- Enjoy global acceptance in-store and online
- Pay in Philippine Peso even for your transactions in other countries
- Enjoy contactless payments and secure transactions with Card Protect
- Ideal for: people who want a reliable, everyday credit card
Regular Employee
- Proof of income
- Government-issued ID
- Signed Certificate of Employment
PNB Diamond UnionPay
- Earn 1 rewards point for every ₱70 you spend.
- No annual fees for life for your supplementary cards.
- Earn rewards points that you can exchange for Mabuhay Miles and Cash Credits.
- Get exclusive discounts and perks from UnionPay TravelMate Asia partner merchants.
- Shop securely with Card Protect.
- Ideal for: frequent travelers to countries in Asia.
Regular Employee
- Proof of income
- Government-issued ID
- Signed Certificate of Employment
PNB-PAL Mabuhay Miles Platinum Mastercard
- Free annual fees for life.
- Earn 1 rewards point for every ₱60 spend.
- Convert 1 rewards points to 1 Mabuhay Mile.
- Get 2,000 Mabuhay Miles as a welcome gift.
- Enjoy 5% discount all year round on select PAL international flights.
- Ideal for: frequent travelers who love rewards.
Regular Employee
- Proof of income
- Government-issued ID
- Signed Certificate of Employment
PNB-PAL Mabuhay Miles NOW Mastercard
- No annual fee for 3 years
- Get free travel insurance with coverage of up to ₱1 million
- Receive 1,000 Mabuhay Miles for free as a welcome gift
- Enjoy 5% discount on select Philippine Airlines flights
- Free Purchase Protection Insurance of up to ₱250,000 for first-time PNB-PAL Mabuhay Miles cardholders
- Ideal for: young professionals who have a passion for travelling and shopping
Regular Employee
- Proof of income
- Government-issued ID
- Active landline / mobile phone number
- Signed Certificate of Employment
PNB Platinum Mastercard
- Earn rewards points for every ₱50 spend.
- Get free travel insurance with coverage of up to ₱3 million.
- Be protected by Fraud Transaction Insurance and Purchase Protection Insurance.
- Enjoy dual billing options in PHP or USD.
- Avail of flexible payments and choose to pay ₱500 or 5% of your credit card bill.
- Ideal for: cardholders who love lifestyle purchases, exclusive perks, and exciting deals.
Required Documents
- Regular Employee
- Proof of income
- Government-issued ID
- Signed Certificate of Employment
PNB Visa Gold
- Pay low annual fees
- Travel safe with a free travel insurance coverage of up to ₱1 million
- Free Purchase Protection Insurance coverage of up to to ₱ 250,000
- Enjoy 1% rebate on revolved interest
- Get Fraud Transaction Insurance for only ₱120 per year
- Ideal for: people who like a reliable, easy to manage credit card
Regular Employee
- Proof of income
- Government-issued ID
- Active landline / mobile phone number
- Signed Certificate of Employment
PNB Visa Classic
- Enjoy low annual fees on your PNB Visa Classic
- Receive a 1% rebate on revolved interest
- Shop and swipe with peace of mind with the Card Protect feature
- Get billed in Philippine Peso even for your transactions abroad
- Pay with your PNB Visa Classic online and anywhere in the world
- Ideal for: credit cardholders who like savings and rebates
Regular Employee
- Proof of income
- Government-issued ID
- Active landline / mobile phone number
- Signed Certificate of Employment
PNB Ze-Lo Mastercard
- Zero annual fees for life on principal and supplementary cards
- No late payment or overlimit fees
- Finance charge for as low as 1.88%
- Swipe your card abroad and pay in Philippine Peso
- Use it anywhere in the world where Mastercard is accepted
- Ideal for: frequent and practical credit card users
Regular Employee
- Proof of income
- Government-issued ID
- Active landline / mobile phone number
- Signed Certificate of Employment
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Why Choose an AUB Credit Card?
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:
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- 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
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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.
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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.
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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.
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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?
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?
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)