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AUB Platinum MasterCard AUB Gold MasterCard AUB Classic MasterCard AUB Easy MasterCard
Annual Membership Fee WAIVED for life WAIVED for life WAIVED for life WAIVED for life
Annual Membership Fee (Supplementary Card) WAIVED for life WAIVED for life WAIVED for life Not Applicable
Finance Charge/ Interest Charge A 2.25% monthly interest rate computed based on average daily balance (ADB) from start to the end of the statement cycle shall be charged when payment made is only the Minimum Amount Due or any amount less than the Total Amount Due indicated in the Statement of Account, excluding new purchases.

Important Reminder: Paying less than the total amount due will increase the amount of the interest and other charges you pay and the time it takes to repay your balance.
A 3.5% monthly interest rate computed based on average daily balance (ADB) from start to the end of the statement cycle shall be charged when payment made is only the Minimum Amount Due or any amount less than the Total Amount Due indicated in the Statement of Account, excluding new purchases. The corresponding interest charges shall be apportioned according to the chosen cycle period (1x/month payment, 2x/month payment, weekly payment).

Important Reminder: Paying less than the total amount due will increase the amount of the interest and other charges you pay and the time it takes to repay your balance.
Late Payment Fee Should the cardholder fail to pay the minimum amount due, Late payment fee of Php700 OR the unpaid minimum amount due, whichever is lower, shall be charged for every billing that the account is past due. Monthly payment option: Should the cardholder fail to pay the minimum amount due, Late payment fee of Php700 OR the unpaid minimum amount due, whichever is lower, shall be charged for every billing that the account is past due.

Semi-monthly payment option: Should the cardholder fail to pay the minimum amount due, Late payment fee of Php350 OR the unpaid minimum amount due, whichever is lower, shall be charged for every billing that the account is past due.

Weekly payment option: Should the cardholder fail to pay the minimum amount due, Late payment fee of Php175 OR the unpaid minimum amount due, whichever is lower, shall be charged for every billing that the account is past due.

Foreign Currency Transaction Service Fee Transactions made in foreign currencies shall be automatically converted to Philippine Peso using MasterCard's selected foreign exchange rate. From the Peso conversion, AUB will add MasterCard's Issuer Cross Border and Currency Conversion Assessment Fees. A 1% service fee shall be charged by AUB and shall be added to the sum of the Peso Conversion and MasterCard Fees.
Card Replacement Fee ₱500
Returned Check Fee ₱700
Charge Slip Retrieval Fee ₱250 for each local sales slip and P500 for each international sales slip retrieved upon request, for whatever reason. The same amount will be charged to the cardholder for each sales slip retrieved by the bank arising from an invalid dispute.
Installment Pre-termination Fee ₱500 for every Installment Plan transaction pre-terminated
Dispute Fee ₱1,000 for every invalid dispute case
Attorney's Fees and Liquidated Damages In case of default in payment, the cardholder is liable to pay, in addition to late and interest charges, the cost of collection and/or attorney´┐Żs fees and the litigation and judicial expenses.

Note: Fees and Charges Updated as of Jul 24, 2019