NewStar & iMart MC
AUB · Mastercard
NewStar & iMart MC
Why pick it: No fee for life, 0% installments at NewStar
NewStar and iMart store co-brand: no annual fee for life, 2x points at NewStar/iMart (0.4%), 0% installments there.
- Score
- 16 /100
- Rank
- #107 of 123
- Annual fee
- Free for life
Thin data: the bank does not publish the income requirement. Check with the bank before you apply.
Sa NewStar at iMart lang ito may dating; sa ibang store, 1 point per ₱50 lang ang kita mo.
Bottom line: Madalas ka bang mamili sa NewStar o iMart at kaya mong magbayad nang buo? Gagana ito bilang store card. Para sa lahat ng iba pa, ibang card ang gamitin.
Read the full take: the math, what's good, what hurts
Dahil waived for life ang annual fee, ₱0 ang babayaran. Sa typical household (~₱825k a year), balik na ~₱1,000 ang makukuha at ~-₱1,500 sa travel, negative dahil sa 2.50% na singil sa foreign spend (galing sa data; wala ito sa page ng card). Ang score ay 16, at #107 ito 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.
- 2x points sa NewStar at iMart stores (2 points per ₱50).
- 0% installment hanggang 6 months sa single receipt na ₱3,000 pataas sa NewStar at iMart, selected items lang.
What's bad
- Sa labas ng NewStar at iMart, 1 point per ₱50 lang ang earn.
- The late fee is ₱750 or the unpaid minimum, whichever is lower, and the finance charge is 2% a month, per the card's fees page.
- Itinutulak ng page ang pagbabayad ng utility bills gamit ang card, pero per AUB rewards T&C 2.2(g), hindi nag-e-earn ng points ang All-Ur-Bills charges.
The catch: The page leaves out the income requirement and the foreign fee. Mukhang luma ang page (2021 ang copyright sa footer), kaya baka nagbago na ang ilang details. Kaunti ang source namin sa card na ito, kaya mag-check ka sa bank.
Rechecked on the bank page on 2026-10-24. Not on the page: minimum income; foreign fee; 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:
- Not published
- 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
#107 of 123 cards open to new applicants, and #148 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
Bank points with no airline partner 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
No standard card level. The score also reflects 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
- Not published
Rewards
2 points per ₱50 at NewStar and iMart stores and 1 per ₱50 elsewhere. 0% installments up to 6 months at NewStar and iMart on ₱3,000 and up. Bills On-Demand (All-Ur-Bills) transactions earn no points.
- Type
- Points
- Points expiry
- none
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.