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AUB Gold Mastercard
by Asia United Bank
Mastercard networkRewards card
Quick take
Main benefit
Simple points. You earn points on every purchase — no categories to track.
Main catch
Interest is steep if you don't pay in full — about 3.00% a month.
Income needed
₱50,000/mo The bank does the final check.
Annual fee
₱0 — no yearly fee for life
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
Is this card for you?
Good fit if
- You want a first credit card from a bank people recognize.
- You want simple rewards without tracking categories.
- You want a card you can keep without a yearly fee.
- You pay your balance in full each month to avoid interest.
Look elsewhere if
- You'd rather earn straight cashback than points or miles.
- You expect to carry a balance from month to month.
- You earn below ₱50,000 a month.
The numbers
Earn ratepoint per Php 20 spend
Annual fee₱0 — no yearly fee for life
Interest if unpaid3.00% / month
Late payment fee₱1,000
Foreign currency markup1.50%
›More fees and details
Cash advance feeStill being checked with the bank
Over-limit feeStill being checked with the bank
Effective annual interestStill being checked with the bank
Fee waiverunconditional
The catch
- Interest is steep if you don't pay in full — about 3.00% a month.
Ready to decide?
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.
You'll finish on AUB's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
- One valid government ID— passport, driver's license, UMID, or PhilSys.
- Proof of income — a recent payslip, your latest ITR, or a COE with salary.
- Proof of billing address — a utility bill or a bank statement.
- 10–15 minutes to fill out AUB's application form.
From AUB's official page · Checked May 27, 2026
Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.