• Fill out an online application form in the AUB Website at creditcards/aubApplyNow
• Call our 24/7 AUB Customer Service Hotline at +632 8282 8888 or Domestic Toll Free number at 1-800-10-282-8888
• Visit any AUB branch and fill-out a credit card application form

ELIGIBILITY:

1. Must be 21 to 65 years old
2. Easy, Classic & Gold Card: Must have a Gross Monthly Income (GMI) of at least PhP50,000
3. Platinum Card: Must have a Gross Monthly Income (GMI) of at least PhP100,000
4. If employed, must be on regular status with a registered Company/Corporation for at least one (1) year
5. If self-employed, must be in a registered business, operating profitably for at least one (1) year
6. If a licensed professional, must be practicing for at least one (1) year
7. Must have a mobile phone and at least one (1) landline phone at either residence or office
8. Must have an active email address

DOCUMENTATION REQUIREMENTS:

1. Copy of any government issued valid identification Cards (IDs) with photo OR employment ID
2. Copy of Statement of Account under the applicant's name for Postpaid Mobile Subscription
3. Income Documents:
   

   FOR EMPLOYED APPLICANTS (at least one of the following):

   • Latest ITR (Form 2316)
   • Certificate of Employment/Compensation
   • Latest one (1) month payslip

   FOR SELF-EMPLOYED APPLICANTS:

   • ITR (Form 1707, 1701Q)
   • Latest Financial Statements and
   • DTI Registration (preferably under the card applicants name)

Card processing and delivery may take 11-14 banking days for Regular Credit Card type and 7-10 banking days for Secured Credit Card type.

SMS notification shall be sent for the status of the application. You can also check the application status online by following the steps below:

• Go to the "Track your Application/Delivery" tab
• Input ANY of the following information:
  • Application Reference Number and Last Name;
  • Applicant Name and E-mail Address;
  • Applicant Name and Mobile Number
• Click the "Inquire" button

And, you may also call our AUB Customer Service Hotline at AUB 8 - (282) 8888 or Domestic Toll Free number at 1-800-10-282-8888 to inquire for the status of the application.

SMS notification shall be sent once your credit card has been delivered. You can also check the card delivery status online by following the steps below:

• Go to the "Track your Application/Delivery" tab
• Input ANY of the following information:
  • Application Reference Number and Last Name;
  • Applicant Name and E-mail Address;
  • Applicant Name and Mobile Number
• Click the "Inquire" button

And, you may also call our AUB Customer Service Hotline at AUB 8 - (282) 8888 or Domestic Toll Free number at 1-800-10-282-8888 to inquire for the status of the card delivery.

Yes. You earn 1 Rewards point for every ₱50 spent.

You may check your available rewards points through your statement of account or you may call AUB Customer Service.

You may use your points to redeem airline miles, dining/shopping gift certificates, cash rebates, plane tickets, accommodations and travel packages. See full list of Rewards Items

Redeem your Rewards via:

• AUB Mobile App Credit Cards Online Banking
• Customer Service Hotline

You may use your AUB Credit Card in any local or international merchants/stores bearing the Mastercard logo.

Yes. Transactions made in foreign currencies/merchants shall be automatically converted to Philippine Peso at the Mastercard/Visa currency conversion rate plus AUB's foreign currency conversion fee in effect at the time the transaction is posted.

Yes. If the issued card is a Classic, Gold and Platinum, you may apply for a Supplementary Credit Card. You may enroll as many supplementary cards.

Easy Card type is Not eligible to apply for a supplementary credit card

No. AUB Credit Card does not have a cash advance facility yet.

Yes. With All-Ur-Bills, you may use your AUB Credjt Card to charge your electricity, water, internet cable, postpaid mobile subscription and other bills. Simply call the Customer Service Hotline at +632 8282 8888 to make a request.

Should you wish to cancel your credit card account, you will have to settle any outstanding balance on the card. You may call AUB Customer Service at 8-282-8888 or at domestic toll free 1-800-10-282-8888, and a customer service officer will assist you on your request for card cancellation.

Receive your Statement of Account (SOA) via SMS through your registered Mobile Number and via email through your registered email address.

Your Statement of Account will be available 3 days after your statement date.

Any error in your Statement of Account must be reported within thirty (30) days from your statement date. If no error is reported to the AUB Credit Cards Customer Service within said period, the SOA shall be considered correct and binding upon you. For questions or inquiries about your Statement of Account (SOA), you may call our Customer Service with the following contact information: For Metro Manila: (+632) 8282 8888 | Domestic Toll Free: 1-800-10-282-8888 | International Toll Free: (IAC) +800-1-282-8000 | Email: creditcards@aub.com.ph

The Due Date is the day/date that you have chosen during your credit card application. This same Due Date is also indicated in the card carrier included in your New Credit Card Kit.

Yes.

Your payment shall be credited and you no longer need to pay on your due date on that particular statement.

Your account will turn past due and it will be temporarily suspended until you make a payment. It will also incur late payment fee and finance charge.

Yes, but subject to bank approval.

If the issued card is an EASY or CLASSIC card type, the Minimum Amount Due is your nominated amount or the sum of the following whichever is higher:

• Fees and charges
• Installment Interest billed
• Installment Principal Amortization billed
• A percentage of the total amount due, less above-mentioned letters (a), (b) and (c)

PLUS, Past due amount and over limit, if any

Should the outstanding balance be less than the Cardholders nominated Minimum Amount Due, It shall be considered as both the Total Amount Due and Minimum Amount Due.

If the issued card is a GOLD or PLATINUM card type, the Minimum Amount Due is PHP500 or the sum of the following whichever is higher:

• Fees and charges
• Installment Interest billed
• Installment Principal Amortization billed
• A percentage of the total amount due, less above-mentioned letters (a), (b) and (c)

PLUS, Past due amount and over limit, if any

Payment will be deducted from your outstanding balance. This will not however decrease or reduce your next Minimum Amount Due.

Your account will turn past due and it will be temporarily suspended until you make a payment. It will also incur late payment fee and finance charge. Please also note that paying less than the total amount due will increase the amount of the interest and other charges you pay and the time it takes to repay your balance.

Paying more than the minimum amount due shall only decrease the outstanding balance and not the minimum amount due. Paying more than your minimum amount due will however reduce your number of months to pay and will replenish your credit limit faster so you can use your credit card for other purchases.

3% finance/ interest charge per month

It is computed based on average daily balance. See illustration of interest computation below:

For Retail Purchases

NOTE: Table Illustration above shows that no additional transactions have been made by the cardholder.

The finance/interest charge will still be 3%.

The finance/interest charge will still be 3% but the amount would be lesser since your outstanding balance has become lower.

No, if you pay the balance in full on or before your due date.

Your annual membership fee is FREE for life

Pay your credit card bills through the following: AUB Branches, AUB Preferred Online Banking, Auto Debit Arrangement (If AUB Deposit accountholder), AUB HelloMoney, SM Bills Payment Centers, 7 Eleven & ECPay Centers, Touchpay Automated Payment Machines, Instapay, GCash App and via Online Banking facility of your depository account with selected banks.

Your payment shall be credited within 1 to 2 banking days for cash payment and 4 banking days for local clearing check payment. Posting date shall reflect actual date of your payment.

No, you may only use up to the assigned credit limit. Transactions will be declined once you have exceeded your credit limit.

Yes, permanent credit limit increase shall be subject to bank approval. For temporary credit limit increase, there will be a corresponding fee of PHP300 for every approved request.

You may check your available credit limit through the AUB Credit Cards Online Banking Mobile App or you may call the AUB Customer Service hotline at +632 8282 8888.

Report a lost or stolen card immediately by calling AUB Customer Service at 8-282-8888.