Classic MC
Classic
AUB · Mastercard · Classic
Classic MC
Why pick it: No annual fee for life, pay weekly or monthly
No-annual-fee-for-life Classic: 1 point per ₱50 (0.2% cash rebate), flexible payment frequency, due date and minimum due.
- Score
- 16 /100
- Rank
- #109 of 123
- Annual fee
- Free for life
Ikaw ang bahala sa payment schedule at due date, pero 1 point lang ang earn sa bawat ₱50 na gastos.
Bottom line: Kunin lang ito kung gusto mo ng libreng card na ikaw ang magtatakda ng payment schedule. Kung rewards ang habol mo, skip.
Read the full take: the math, what's good, what hurts
Wala kang fee cost dito dahil ang annual fee ay ₱0. Para sa typical household (~₱825k a year), nasa ~₱1,000 ang rewards, at ang travel value ay ~-₱1,500 pagkatapos ng foreign fee, negative ayon sa data. 16 ang score nito, kaya #109 sa 123 cards.
The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.
What's good
- Pwede kang pumili ng 1x, 2x o weekly payments.
- Waived for life ang annual fee, pati sa supplementary cards.
- Ayon sa page, walang interest sa new purchases kung buo mong babayaran ang Total Amount Due.
What's bad
- Mataas ang fixed minimum due: ₱4,000 hanggang ₱9,000 kung monthly, ₱1,000 hanggang ₱2,250 kung weekly.
- Kapag hindi mo binayaran nang buo, 3% a month ang interest. Sa foreign spend, 2.50% ang singil (1.5% service fee plus 1% Mastercard fee), per AUB fees page.
- Ayon sa AUB rewards T&C 2.2(g), hindi kumikita ng points ang bills na ichinarge via All-Ur-Bills.
The catch: Sa aboutAubEasy page, ₱50,000 gross monthly ang income para sa Classic (₱600,000 a year, parehas sa data). ₱1,000 ang late fee sa monthly option, o ang unpaid minimum kung mas mababa, per AUB fees page at T&C; ₱500 pa rin ang nasa card page. Manipis ang source namin dito, kaya kumpirmahin sa bank.
Rechecked on the bank page on 2026-10-24. Not on the page: lounge access; travel insurance. Our opinion, based on published terms. Not financial advice. The bank decides approval.
The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.
- Yearly value for a typical household:
- about −₱500 in rewards (₱1,000) and travel value (−₱1,500), before the card's fees (no annual fee)
- To qualify:
- ₱600,000 a year income
- Bank service:
- Better than typical.
- Banking app:
- Its banking app's store ratings have dropped over the last 90 days (as of Oct 29, 2026).
Score breakdown, fees, rewards and perks
Score breakdown
#109 of 123 cards open to new applicants, and #152 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value5 / 63
These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored
- Rewards on the default spend2 / 37
About ₱1,000 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers16 / 16
No annual fee. How the bars work
- Travel and perks on the default spend1 / 10
About −₱1,500 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work
- Promos and 0% installments2 / 15
0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 4 live promos tracked. How it is scored
- Points flexibility2 / 10
1 airline partner, and points that do not expire. It counts for less here because the card earns little back on this spend. How it is scored
- Credit limit and upgrade path2 / 5
Classic card level, plus how AUB handles credit limit increases and card upgrades. How it is scored
- App and service4 / 5
Banking app: strong. Service: better than typical. How it is scored
- Late fee1 / 2
A late fee of ₱1,000 for one missed payment. How it is scored
On the default spend: about ₱1,000 a year in rewards and −₱1,500 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
- Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
- Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
- Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
- Method changes
Fees and who can apply
- Annual fee
- Free for life
- Supplementary fee
- ₱0
- Fee waiver
- No annual fee
- Foreign transaction fee
- 2.50%
- Minimum income
- ₱600,000 a year
Rewards
1 point per ₱50, for cash rebates. You choose your payment frequency, due date and minimum due. Bills On-Demand (All-Ur-Bills) transactions earn no points.
- Type
- Points
- Points expiry
- none
- Airline partners
- PAL Mabuhay Miles
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- No annual fee for life
Live and upcoming promos (4)
As of Nov 11, 2026. Check each promo's source before you rely on it.
- MastercardEnds Mar 31, 2027Register firstAll Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Jan 31, 2027All Mastercard cards, any bank
- MastercardEnds Dec 31, 2026All Mastercard cards, any bank
What cardholders say (0)
Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.
No cardholder posts yet.