If you want a beginner friendly credit card that gives you control, the AUB Easy MasterCard is one of the most flexible options you can start with today.
The AUB Easy MasterCard lets you choose how often to pay, when your due date falls, and how much your minimum due will be. You also get no annual fee for life, which is rare for a first card.
Low interest and simple rewards make it easier to manage. This guide explains features, costs, eligibility, application steps, and support in clear detail.
Key Features Of The AUB Easy MasterCard
Getting the most from any card starts with understanding what it actually offers in daily life.
The AUB Easy MasterCard is built around flexibility, so you can match payments to your cash flow instead of forcing your budget into a fixed schedule. You also benefit from no annual fees, rewards on every spend, and wide acceptance locally and abroad.
These features make it friendly for first time cardholders. Together, they help you ease into credit without feeling overwhelmed.
Flexible Payment Schedules You Can Control
The most unique feature of the AUB Easy MasterCard is the way it lets you choose how often and when to pay. You can set your payment schedule to weekly, twice a month, or once a month, depending on how often you receive income.
You also pick your preferred due date within allowed options, which gives you better control of cash timing.
This flexibility is very helpful if your paydays are irregular. It reduces stress because your due date can follow your actual earnings pattern.
No Annual Fee For Life
A big advantage for beginners is that the AUB Easy MasterCard has no annual fee for life for principal and supplementary cards. You do not need to worry about spending enough just to justify a yearly charge that arrives even when you barely use the card.
This keeps your fixed costs low while you learn to manage credit. Many competing starter cards still charge annual or renewal fees.
Removing that cost makes AUB Easy MasterCard more forgiving if you only use it occasionally.
Rewards Points On Everyday Spending
The AUB Easy MasterCard also gives you simple rewards that are easy to understand and use. Most partner and independent guides explain that you earn one rewards point for every fifty pesos you spend on eligible transactions.
These non-expiring points can later be converted to air miles, travel vouchers, gift certificates, or cash rebates through the AUB rewards catalog.
This means regular spending like groceries, fuel, and bills slowly build value. For a first card, this straightforward earn rate is easier to track than complex tiered systems.
Interest Rates, Fees, And Other Benefits
Understanding interest rates and fees is critical if you want to avoid surprises once you start using your card.
The AUB Easy MasterCard is known for having one of the lowest revolving interest rates in the Philippine market, along with its zero annual fee promise.
You still pay finance charges if you carry a balance beyond the grace period, but these are more manageable than many alternatives.
There are also standard charges for late payments and cash advances. Knowing these numbers helps you use the card with intention instead of guesswork.
Low Monthly Interest Rate And Grace Period
Official comparative tables from the Bangko Sentral ng Pilipinas and independent reviews show that AUB credit cards, including AUB Easy MasterCard, charge a revolving interest rate of about 2.00 percent per month.
This is lower than the regulatory ceiling and often lower than many competing cards. You also get an interest free period of around fifty days on new purchases if you pay in full by the due date.
Paying only the minimum triggers finance charges on the remaining balance. Keeping this in mind helps you decide when to pay in full and when to spread costs.
Fees, Minimum Payment, And Cash Advances
With the AUB Easy MasterCard, the annual fee and card issuance fee are both zero, which immediately saves you money every year you hold the card.
Most sources indicate a minimum payment of around five percent of your outstanding balance or a fixed peso amount, whichever is higher, so you always reduce your debt slowly even if you cannot pay in full.
There are separate fees for late payments, over limit use, and foreign currency transactions. Cash advances are allowed but attract immediate interest and service fees. As a new user, it is wise to treat cash advances as a last resort.
Extra Perks And Everyday Advantages
Beyond rates and fees, the AUB Easy MasterCard offers some additional advantages that support everyday use.
You can enjoy Mastercard worldwide acceptance, which means you can pay in thousands of merchants locally and abroad, as well as online stores. Many partner promos provide discounts or special deals on dining, shopping, and travel from time to time.
Because rewards points do not expire, you do not feel pressured to redeem quickly or lose value. Combined with the flexible payment schedule, these perks make the card practical for long term use.
Who Is The AUB Easy MasterCard For
Not every card works for every person, so it is important to see whether this product actually fits your situation.
The AUB Easy MasterCard is designed mainly for first time or budget conscious users who want more control over how and when they pay. It also suits freelancers and commission based workers with variable cash flow.
On the other hand, it may not be ideal if you only want high end travel perks. Knowing where you fit helps you decide faster and more confidently.
Best For First Time Credit Card Users
If you have never owned a credit card before, the AUB Easy MasterCard gives you a forgiving starting point. No annual fee means one less fixed cost, and the low interest rate keeps occasional balances less expensive than usual.
The ability to choose payment schedules trains you to think carefully about cash flow. Rewards points on normal purchases also show you how to turn spending into benefits. This combination makes it a gentle introduction to credit rather than a harsh test.
Ideal For Freelancers And Variable Income Earners
Many Filipinos are paid weekly, per project, or through commissions, which can make traditional fixed due dates difficult.
The AUB Easy MasterCard is particularly attractive if your income does not follow a simple twice monthly salary pattern. Being able to schedule payments weekly, semi monthly, or monthly allows you to align dues with your actual cash inflows.
This helps you avoid missed payments caused purely by timing mismatches. For gig workers, this flexibility can be the difference between comfortably managing a card and falling behind.
When The Card May Not Be The Right Fit
The AUB Easy MasterCard is strong for flexibility and low cost, but it is not perfect for every scenario. If you are looking for very premium travel benefits like airport lounge memberships, concierge services, or high end insurance, a platinum level card from any bank may be more appropriate.
Some users may also prefer cards with bigger sign up bonuses or accelerated rewards in specific categories.
Additionally, if you cannot commit to disciplined repayment, any revolving credit product can become risky. In that case, focusing on rebuilding your budget before applying is smarter.
How To Apply For The AUB Easy MasterCard
The application process is straightforward if you prepare your requirements and understand the criteria.
AUB typically requires that applicants meet age, income, and documentation standards before approval. You can apply through an AUB branch, via official online channels, or through accredited partner platforms that forward your details to the bank.
Every application goes through credit and affordability checks as required by regulation. Following a step by step approach improves your chances and reduces delays.
Check Eligibility And Income Requirements
Before you apply, make sure you meet the basic eligibility rules for the AUB Easy MasterCard. Most references state that applicants should be between 21 and 65 years old and have a stable income that meets the bank’s minimum threshold, often cited around 252,000 pesos per year or roughly 21,000 pesos per month.
You should also have a good credit record with no serious unpaid obligations. Having a landline or reliable contact number is often required. Reviewing these conditions first prevents unnecessary rejections.
Prepare The Required Documents
Once you are comfortable that you qualify, gather the documents you will need for an AUB Easy MasterCard application.
Typical requirements include a valid government issued ID, such as a passport or Philippine ID, along with proof of income like recent payslips, a certificate of employment, or bank statements. Some guides also mention the need for an active bank account and a valid tax identification number.
Check that all documents are up to date and consistent with the information you will write on the form. Neat, complete paperwork signals that you are serious and organised.
Submit Your Application And Wait For Evaluation
You can submit your AUB Easy MasterCard application at an AUB branch, through official online portals, or via selected third party comparison sites that forward applications to the bank.
During submission, you will provide your personal details, employment information, income figures, and references where required. AUB will then run credit checks and assess whether your income can support the requested limit.
Processing time can vary depending on volume and completeness of your file. Once approved, your card will be produced and either mailed or released through a branch, followed by activation instructions.
AUB Customer Care Contact Details
For general customer care inquiries, AUB lists its main customer service hotline as 632 8282 8888, which you can call during office hours for card related questions and other banking concerns.
There is also a domestic toll free number and trunk line numbers listed for broader contact, along with a customer care email address where you can send written concerns.
AUB Head Office And Why It Matters
Asia United Bank’s registered head office is located at Joy Nostalg Center, 17 ADB Avenue, Ortigas Center, Pasig City, according to corporate and regulatory records.
This address represents the main executive and operational base of the bank in the Philippines.
Conclusion
If you are new to credit cards and want maximum control with minimal fixed costs, the AUB Easy MasterCard is a strong candidate to consider seriously.
Its combination of no annual fee for life, low monthly interest rate, flexible payment schedules, and simple rewards gives you room to learn without feeling trapped.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
