Gold MC
Gold
AUB · Mastercard · Gold
Gold MC
Why pick it: No annual fee for life, pick your due date
No-annual-fee-for-life Gold: 1 point per ₱50 (0.2% cash rebate), choose your due date, points transferable to Mabuhay Miles.
- Score
- 17 /100
- Rank
- #105 of 123
- Annual fee
- Free for life
Free for life ang annual fee, pero maliit ang balik sa points. Skip.
Bottom line: Free ang fee, pero maliit ang balik para sa gastos mo. Skip, maliban kung libreng card na may sarili mong due date lang ang kailangan mo.
Read the full take: the math, what's good, what hurts
Sa gastos ng typical household (~₱825k a year), balik na ~₱1,000 ang makukuha, at travel value na ~-₱1,500 (negative kasi may foreign fee). Ang score nito ay 17, at #105 ito sa open list mula sa 123.
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
- Waived for life din ang fee ng supplementary cards.
- You can pick your due date from the 1st to the 30th.
- Puwedeng i-transfer ang points sa Mabuhay Miles.
What's bad
- ₱50 = 1 point lang ang earn.
- Hindi nakalista sa Gold section ng page ang lounge at travel insurance.
- 2.50% ang foreign fee: 1.5% service plus 1% Mastercard, per the AUB fees page.
- Per the AUB rewards T&C 2.2(g), hindi nag-e-earn ng points ang bills na ini-charge via All-Ur-Bills.
The catch: Per the goldandplatinum page, ₱50,000 gross monthly ang income (₱600,000 a year, tugma sa data), at 3% a month ang interest kapag hindi mo binayaran nang buo. Ayon sa AUB rewards page, may 2x Rewards points bonus ang Gold, pero hindi ito nilinaw ng T&C kung ano ang pinaparami, kaya wala ito sa math. Manipis ang source namin dito, kaya mag-check ka 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
- Redeeming rewards:
- Points convert to Mabuhay miles from a minimum of 3,000 miles (11.5 points a mile, so 34,500 points).
- 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
#105 of 123 cards open to new applicants, and #146 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 path3 / 5
Gold 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. The AUB page lists a 2x bonus for Gold, but no bank document says what it multiplies. You choose your due date. 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.