Best AUB Credit Cards for Flexible Payment Terms

Are you looking for a credit card that gives you full control over how much, how often, and when you pay? Good news! Asia United Bank (AUB) offers one of the most flexible credit card payment systems in the Philippines — perfect for first-time credit card users who want convenience without hidden charges.

Unlike most banks, AUB allows you to choose your payment schedule — weekly, semi-monthly, or monthly — and decide how much you want to pay each time. In short, ikaw ang may control!

In this guide, we’ll explore the best AUB credit cards, their exclusive benefits, and tips on how to maximize them.

Why Choose AUB Credit Cards?

Most banks require you to pay a fixed monthly due date. But AUB changes the game by giving you freedom and flexibility:

✅ Choose your payment frequency → Weekly, semi-monthly, or monthly
✅ Set your own payment due date → Pick what works for your cash flow
✅ Zero annual fees for life on select cards
✅ Rewards & cashback → Perfect for everyday spending
✅ Low income requirement → Beginner-friendly

This makes AUB ideal for first-time credit cardholders and budget-conscious professionals.

Best AUB Credit Cards for Flexible Payments

Here’s a breakdown of AUB’s top cards and who they’re best for:

1. AUB Easy MasterCard (Best for Beginners)

Annual Fee: Free for life
Minimum Income: ₱21,000/month
Key Feature: Set your own payment amount and schedule
Best For: First-time users, freelancers, and small business owners
Perks:
- Choose between weekly, semi-monthly, or monthly payments
- Earn rewards points on every purchase
- Enjoy flexible credit limits

2. AUB Classic MasterCard (Best for Daily Use)

Annual Fee: Free for life
Minimum Income: ₱21,000/month
Key Feature: Perfect balance of flexibility and rewards
Best For: Employees and budget-conscious spenders
Perks:
- Customize your due date
- Earn points on shopping, groceries, and bills
- Exclusive promos with partner merchants

3. AUB Platinum MasterCard (Best for Professionals)

Annual Fee: Free for life
Minimum Income: ₱50,000/month
Key Feature: Premium perks plus flexible terms
Best For: High-income professionals and frequent travelers
Perks:
- Higher credit limit
- Free travel insurance
- VIP access to airport lounges
- Same flexible payment options as other AUB cards

How AUB’s Flexible Payment System Works

One thing that makes AUB different is that you’re in control. Here’s how:

Step 1 — Choose Your Payment Frequency

Weekly → Great for freelancers and gig workers
Semi-monthly → Best for employees
Monthly → Ideal for business owners or professionals

Step 2 — Set Your Payment Due Date

Unlike other banks, AUB lets you pick when you want to pay — no more worrying about mismatched paydays.

Step 3 — Decide How Much to Pay

Want smaller, easier payments? You can set your minimum and maximum payment per schedule.

How to Apply for an AUB Credit Card

Basic Requirements

At least 21 to 65 years old
Filipino resident
Minimum gross income: ₱21,000/month (Easy & Classic), ₱50,000/month (Platinum)
Valid IDs and proof of income

Application Process

Choose your preferred AUB credit card
Prepare the required documents
Submit your application via AUB’s website or branch
Wait for approval (usually 5–7 banking days)

Maximize Your AUB Credit Card Benefits

Use rewards wisely → Redeem points for shopping, travel, or cashback
Always pay on time → Avoid penalties and protect your credit score
Match payment schedules with income → Perfect for freelancers and employees
Track your expenses → Use AUB’s mobile app for better budgeting

💡 Pro Tip: Before choosing a card, try our Credit Card Cost Calculator to estimate your monthly payments based on your spending habits.

TL;DR — Quick Summary

AUB credit cards give maximum flexibility in payments
Choose weekly, semi-monthly, or monthly payment terms
Enjoy free annual fees for life
Earn rewards and cashback
Perfect for first-time credit cardholders and professionals

Frequently Asked Questions (FAQs)

1. Is AUB’s flexible payment system really unlimited?

No — you can choose your payment schedule and amount, but you still need to pay at least the required minimum per billing cycle.

2. Do AUB credit cards have hidden fees?

No. Many cards are free for life, but late payments and over-limit charges may still apply.

3. Which AUB card is best for beginners?

The AUB Easy MasterCard is the most beginner-friendly with low income requirements and flexible payment options.

4. Can freelancers apply for an AUB credit card?

Yes ✅ — AUB is great for freelancers since you can set weekly or semi-monthly payment terms.

5. How long does approval take?

Typically 5–7 banking days, depending on the completeness of your documents.

Best AUB Credit Cards for Flexible Payment Terms