Asia United Bank: Credit Cards

	AUB Easy MasterCard	AUB Classic MasterCard	AUB Gold MasterCard	AUB Platinum MasterCard
Annual Membership Fee	WAIVED for life
Annual Membership Fee (Supplementary Card)	Not Applicable	WAIVED for life
Finance Charge/ Interest Charge	A 3% monthly interest rate computed based on average daily balance (ADB) from start to the end of the statement cycle shall be charged when payment made is only the Minimum Amount Due or any amount less than the Total Amount Due indicated in the Statement of Account, excluding new purchases. The corresponding interest charges shall be apportioned according to the chosen cycle period (1x/month payment, 2x/month payment, weekly payment). Important Reminder: 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.		A 3% monthly interest rate computed based on average daily balance (ADB) from start to the end of the statement cycle shall be charged when payment made is only the Minimum Amount Due or any amount less than the Total Amount Due indicated in the Statement of Account, excluding new purchases. Important Reminder: 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.
Late Payment Fee	Monthly payment option: Should the cardholder fail to pay the minimum amount due, Late Payment Fee of PHP1,000 OR the unpaid minimum amount due, whichever is lower, shall be charged for every billing that the account is past due. Semi-monthly payment option: Should the cardholder fail to pay the minimum amount due, Late Payment Fee of PHP500 OR the unpaid minimum amount due, whichever is lower, shall be charged for every billing that the account is past due. Weekly payment option: Should the cardholder fail to pay the minimum amount due, Late Payment Fee of PHP250 OR the unpaid minimum amount due, whichever is lower, shall be charged for every billing that the account is past due.		Should the cardholder fail to pay the minimum amount due, Late Payment Fee of PHP1,000 OR the unpaid minimum amount due, whichever is lower, shall be charged for every billing that the account is past due.
Foreign Currency Transaction Service Fee	Transactions made in foreign currencies shall be automatically converted to Philippine Peso using MasterCard's selected foreign exchange rate. From the Peso conversion, AUB will add MasterCard's Issuer Cross Border and Currency Conversion Assessment Fees. A 1.5% service fee shall be charged by AUB and shall be added to the sum of the Peso Conversion and MasterCard Fees.
Card Replacement Fee	PHP500
Returned Check Fee	PHP1,000 per returned check
Charge Slip Retrieval Fee	PHP250 for each local sales slip and P500 for each international sales slip retrieved upon request, for whatever reason. The same amount will be charged to the cardholder for each sales slip retrieved by the bank arising from an invalid dispute.
Certification Fee	PHP300 for each certification request such as good credit standing and full payment
Temporary Credit Limit Increase Fee	Not Applicable	PHP300 for every request
Add-on Interest on InHouse Installments	1% monthly rate
In-house Installment Processing Fee	PHP250 per installment transaction
In-house Installment Pre-termination Fee	PHP500 or 5% of the unpaid principal amount, whichever is higher, for every In-house Installment Plan transaction pre-terminated
Dispute Fee	PHP1,000 for every invalid dispute case
Attorney's Fees and Liquidated Damages	In case of default in payment, the cardholder is liable to pay, in addition to late and interest charges, the cost of collection and/or attorney's fees and the litigation and judicial expenses.

Effective Febuary 15, 2023