The AUB Easy MasterCard stands out for simple costs and flexible repayment controls that fit irregular pay cycles. Annual fees are permanently waived, finance charges exclude new purchases, and rewards are earned at a predictable base rate.
Applicants who prefer monthly, semi-monthly, or weekly billing can set schedules that align with payday and reduce the risk of missed payments.
Details below reference current AUB materials checked in 2025, and should be confirmed on the bank’s application pages during submission.
What the AUB Easy MasterCard Offers
AUB explicitly supports monthly, semi-monthly, and weekly cycles, which allows you to choose the due-date cadence that mirrors income timing. That structure helps smooth cash flow while preserving payment discipline.
Costs are Straightforward
Annual membership fees are waived for life across Easy, Classic, Gold, and Platinum, avoiding the typical recurring charge that erodes card value.
Finance charges are assessed at a 3 percent monthly rate only when paying below the full statement amount, and AUB’s policy specifically excludes new purchases from that interest computation, reinforcing the card’s “no interest on new purchases” positioning.
Foreign-currency transactions add a 1.5 percent service fee on top of Mastercard’s conversion assessments.
Every day Earn Remains Simple
AUB materials show 1 reward point per ₱50 spent on Mastercard transactions, providing a baseline accrual that works for routine purchases without complex category juggling.
Eligibility and Required Documents
Applicants should align identity, contactability, and income proofs before starting any AUB credit card online application.
A government-issued ID is necessary, and depending on employment status, a recent payslip or a Certificate of Employment may be requested.
A Tax Identification Number is commonly required, and certain third-party listings note that an active AUB account may be asked for during verification; confirm current handling on AUB’s site or through customer care before filing.
Regular Applicants
Employed, self-employed, and licensed professionals can qualify when documentation demonstrates stable income, consistent contact details, and reachable landline or mobile numbers.
Various aggregators summarize typical age bands of 21 to 65 alongside proof-of-income requirements; thresholds can vary by product and underwriting, so treat non-AUB sites as directional rather than binding.
Final decisions rest with AUB’s credit policies at the time of review.
Secured Route
Applicants who prefer guaranteed approval leverage an AUB secured credit card backed by a hold-out deposit.
Public guides cite a starting pledge that maps to a credit limit set as a percentage of the deposit, providing a path for limited or thin files to build history without taking unnecessary risk.
Always verify deposit amounts and lien rules on the official application form before proceeding.
Online Application: 6 Steps
A short, focused sequence keeps errors low and speeds decision-making.
- Go to AUB’s Credit Cards portal and choose Easy under “Easy & Classic,” then select Apply. The site also exposes forms for application and card-delivery tracking once submitted.
- Complete the digital form carefully, using the exact name format on your government ID and tax records to avoid mismatches during verification.
- Enter contactable numbers and an active email address, since follow-ups and status messages rely on these fields for authentication.
- Upload or provide details from your latest payslip or Certificate of Employment if prompted, and keep your TIN ready for identity checks.
- Submit the application and note the reference number presented or emailed after completion.
Expect roughly 7 to 14 banking days for processing, depending on card type, based on publicly posted guidance; timelines can move faster or slower during peak periods.
In-Branch or Phone Application
Applicants who prefer in-person handling can visit any AUB branch and request a paper application, then present a valid ID together with income proofs for scanning.
Branch staff can advise on supporting documents if your employment or business structure is atypical, and they can also provide information on where to deliver any additional forms not available online.
Phone initiation works for quick starts when documents are already prepared. Call the AUB customer service hotline at (632) 8282-8888 to begin, then follow the representative’s guidance on how to send or present proofs for verification.
Check Application and Delivery Status
Tracking is integrated into AUB’s credit card portal. Use the “Track your Application/Card Delivery” link to pull up the status page, then authenticate using either the application reference plus last name or a combination of name and contact information as requested on screen.
AUB also accepts status inquiries via its hotline if you prefer voice assistance or if the online lookup fails to find a record.
Fees and Charges
Short summaries help when comparing cards during pre-approval checks. Values below come from AUB’s Fees and Charges page, updated March 1, 2025; check the latest schedule before applying or activating.
| Item | AUB Easy MasterCard fees | Notes |
| Annual membership fee | Waived for life | Applies to principal cards; supplementary noted as not applicable or waived by card family |
| Finance charge on revolved balances | 3% per month (ADB method), excluding new purchases | Interest applies when paying below total amount due |
| Late payment fee | ₱1,000 monthly; ₱500 semi-monthly; ₱250 weekly, or the unpaid minimum amount due, whichever is lower | Assessed per billing that is past due |
| Foreign currency transaction fee | 1.5% AUB service fee plus Mastercard cross-border and conversion assessments | Applied on top of Mastercard’s FX rate |
Activation and First-Use Checklist
A quick setup sequence ensures the card is recognized and ready for secure transactions.
- Activate upon receipt using AUB’s official channels. Current materials highlight hotline activation, while some published guides also show an SMS option; follow the carrier instructions included in your card mailer for the exact format.
- Enroll in the AUB mobile app to monitor balances, check rewards, and request installments or instalment conversions when available.
- Set calendar reminders that align with your chosen billing cycle, whether monthly, semi-monthly, or weekly, to avoid late fees.
- Add the card to digital wallets only after activation and an initial chip-and-PIN transaction, if required by risk controls at the point of sale.
Other AUB Cards
A fast comparison helps decide whether to start with Easy or aim higher. Keep in mind that all cards advertise no annual fees for life.
Verify any airline transfer ratios and lounge access rules on the detailed product pages when choosing a tier.
| Card | Everyday earn | Notable perks | Typical fit |
| Classic | 1 point per ₱50 | Flexible billing cadence; “no interest on new purchases” policy | Daily spending without complex categories |
| Gold | 1 point per ₱50 | Option to convert points to Mabuhay Miles; lounge access on select programs | Mid-income travelers |
| Platinum | 1 point per ₱50 | More travel privileges and frequent flyer conversion options | Frequent travelers seeking premium benefits |
Last Thoughts
Clean applications align names, addresses, and numbers exactly as they appear on IDs and tax records. Keep a copy of your payslip or COE ready, and prepare your TIN for identity verification.
For any uncertainty about documents or timelines, call the AUB customer service hotline to validate requirements before sending files, since policies and processing windows can change during busy periods.
