How to apply to AUB Easy Mastercard Credit Card

The AUB Secured Credit Card is tied to an AUB account deposit, which guarantees the card. The credit limit is 80% of the held deposit. Applicants open an AUB Savings Account, complete a Deed of Assignment, and fill out a credit card application form. The processing takes 7-10 banking days post submission of all required documents. Eligibility begins at 21 years old, with a signed and notarized deed of assignment and completed application form as the necessary documents for application

Benefits

1. No Annual Fee for Life

One of the standout features of the AUB Easy Mastercard is that it comes with no annual fee for life. This means that you won’t have to worry about annual charges eating into your finances. It’s a money-saving opportunity that savvy cardholders can appreciate.

2. No Interest on New Purchases

The AUB Easy Mastercard doesn’t charge interest on new purchases made after the statement cutoff. This feature can be a game-changer for those who manage their finances wisely. By paying your bill in full, you can avoid interest charges altogether.

3. Convenient Bill Payment

With this card, you can instantly charge your utility bills to your AUB credit card. This feature streamlines your bill payments and can help you stay organized financially.

4. Rewards Program

Cardholders can earn one rewards point for every ₱50 spent with the AUB credit card. This opens up opportunities to benefit from promotions, discounts, and rewards. For more details on how to maximize these rewards, check the description below.

5. Flexible Installment Plans

AUB offers flexible installment plans with zero percent interest on gadgets and appliances. You can choose from various installment durations, ranging from three to thirty-six months. This flexibility empowers you to manage your purchases on your terms.

6. Balance Transfers

The AUB Easy Mastercard allows you to transfer balances from other credit cards to AUB. AUB will pay off those other credit card balances, and you can then repay AUB via an installment program. This can save you money on interest charges and simplify your debt management.

7. Cash Out Option

Need cash? No problem. AUB Easy Mastercard offers a cash-out option. You can convert your available credit to cash or deposit it into your bank account. Additionally, you can withdraw cash from ATMs and pay it back through an installment program.

Prerequisites

It’s essential to understand who can apply for the AUB Easy Mastercard. Here are the eligibility criteria and requirements:

1. Age: Applicants must be at least 21 years old and not older than 65.
2. Minimum Monthly Income: The minimum monthly income required is ₱50,000. Existing AUB clients can apply regardless of their income level.
3. Employment: You need to be a regular employee (no less than a year) or a registered business owner (no less than a year).
4. The applicant must provide a valid mobile / landline telephone number.
5. The applicant must also possess a valid personal / business email address

These prerequisites ensure that the card is accessible to a broad range of individuals.

About AUB financial institution

Asia United Bank (AUB) is a commercial bank in the Philippines known for providing a wide range of financial and banking services. It operates numerous branches and ATMs across the country, offering various products like deposits, loans, and credit cards. AUB aims to cater to the banking needs of individuals and businesses, and has established a reputation for its customer-centric approach.

Who is this card for?

The AUB Secured Credit Card is ideal for individuals who may have difficulty obtaining a regular credit card, such as those with no credit history or low credit scores. By having a deposit act as collateral, it provides a lower-risk way for individuals to build or rebuild credit while enjoying the conveniences of a credit card.

Step by step to apply for the card

If you’re interested in applying for the AUB Easy Mastercard, you can do so by visiting any of the AUB branches and opening your Saving Account first. Next, you will need to complete a deed of assignment (read the note at the bottom of this paragraph if you are not familiar with this process.) 

The deed of assignment works out the percentage of your deposit guarantee that serves as your credit card limit (at AUB is 80%).
Once you have correctly filled your deed of assignment with all your personal / financial information, you can then proceed to fill and submit your completed application for the AUB Mastercard Easy Credit Card.

If you are already a AUB saving account holder, you can apply online at this link or by calling their hotline at 8-282-8888. This straightforward application process makes it easy to get started on your journey to financial flexibility.

Note: A Deed of Assignment is an agreement signed by the client in the Philippines stating a specific deposit amount held by the bank as a guarantee for the credit card issuance/credit limit. In case of default, the bank can utilize the guaranteed deposit to cover the credit card payments

Procedure for Applications: Documents required

1. A photocopy of any form of official identification supplied by the government OR an employment ID
2. A copy of the most recent account statement for income from postpaid mobile subscriptions Documents:
3. At least one of the following applies to applicants who are currently employed:
   1. Certificate of Employment and Compensation Issued on the Most Recent ITR (Form 2316)
   2. The applicant’s most recent paystub for one (1) month 
4. For self-employed applicants:
   1. ITR (Form 1701, 1701Q), Latest Financial Statements, and DTI Registration (ideally in the card applicant’s name).

After submitting all the necessary information, it will take seven to ten banking days for the AUB Secured Credit Card to be processed.

The AUB mobile app

The AUB Mobile App is based on the already-existing AUB online banking web application, and it has been enhanced to provide AUB customers with a satisfying, lightning-quick, and hassle-free mobile user experience. You can view the app and download from its respective platforms: Google Play or Apple Store

APPLY TO AUB PLATINUM MASTERCARD CREDIT CARD HERE

Positives and negatives of the card

Pros

• Helps build or rebuild credit history
• Lower risk for the bank
• Access to credit card conveniences
• Suitable for those without credit history
• No Annual Fee
• No interest on new purchases
• Decent reward program

Cons

• Requires a held deposit as collateral
• Limited to 80% of the deposit amount
• Processing time of 7-10 banking days
• Eligibility starts at 21 years old

How to activate the card

To activate your AUB Secured Credit Card, call the AUB Credit Cards Customer Service at 8-282-8888 (Metro Manila), Domestic Toll Free 1-800-10-282–8888 (Outside Metro Manila, for PLDT use only), or International Toll Free (IAC) +800-1-282-8000. The operator will be able to unlock your card upon verifying your identity and information provided.

Fees and tariffs

The AUB Easy Mastercard comes at zero annual fee and no interests on new purchases.

How to set up your payments

You can pay your credit card bills on a weekly, monthly, or even two times per calendar month basis. You can choose any day from the first to the last day of the month for your once-monthly payment due date. Below is a chart of how the payment system works out if you opt to pay two times per month.

When making a weekly payment, you can choose any day from Monday to Sunday. In each of your monthly statements, this date will serve as the one and only Payment Due Date.

Why Choose the AUB Easy Mastercard?

In a nutshell, the AUB Easy Mastercard offers decent flexibility and convenience:

• You can choose your due date, giving you control over your payment schedule.
• You have the freedom to determine your minimum payment amount.
• Ad you are securing the card with a collateral / deposit, you don’t need to achieve a credit score.

AUB is continually improving its offerings, so you can expect even more benefits in the future. This credit card empowers you to take control of your finances and tailor your credit experience to your needs.

Customer service

If needed, you can reach the customer service for AUB both via email by filling the form from their contact page or calling the support hotline at: 8-AUB-8888 or 8-282-8888