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Illustration, not the bank's artwork.

AUB · Mastercard · Platinum

Platinum MC

Why pick it: No annual fee for life, plus lounge access

No-annual-fee-for-life Platinum: 1 point per ₱50 (0.2% cash rebate), complimentary local airport lounge access, free supplementary cards.

Score
22 /100
Rank
#89 of 123
Annual fee
Free for life
Solid C
SKIP ITHonest take

Free for life at may lounge access, pero 0.2% lang ang balik ayon sa data.

Bottom line: May lounge, pero maraming card sa ranking namin ang mas malaki ang balik. Skip, maliban kung lounge lang ang kailangan mo.

Read the full take: the math, what's good, what hurts

Waived for life ang annual fee, kaya ₱0 ang cost. Ang typical household (~₱825k a year) ay nakakakuha ng ~₱1,000 sa rewards, at ~₱0 sa travel pagkatapos ng foreign transaction fee (2.50%). #89 ang posisyon nito sa 123 cards, at 22 ang score.

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 supplementary cards, ayon sa AUB fees page.
  • Complimentary airport lounge access when you travel, per the page.
  • Puwede mong piliin ang due date mula 1st hanggang 30th, at puwedeng i-transfer ang points sa Mabuhay Miles.

What's bad

  • 1 point lang per ₱50 ang earn, kaya manipis ang return.
  • Mahina ang miles: 11.5 points per PAL mile, per the palMabuhay page.
  • Ang foreign fee ay 1.5% service fee plus 1% Mastercard fee, kaya 2.50% ang kabuuan. May 3% monthly interest din kapag hindi mo binayaran nang buo.
  • Per the AUB rewards T&C 2.2(g), hindi nag-e-earn ng points ang bills na sinisingil via All-Ur-Bills.

The catch: Hindi binanggit ng page ang bilang ng lounge visits o kung local lang ito; galing lang sa data ang 'unlimited local'. Tugma sa data ang ₱100,000 gross monthly income (₱1,200,000 a year). Hindi binabanggit ng T&C PDF ang 4x bonus na nasa rewards page, kaya wala ito sa math. Mag-check ka sa bank.

Rechecked on the bank page on 2026-10-24. Not on the page: number of lounge visits or whether lounges are local only; unlimited lounge access; travel insurance; secured card report (our data from Reddit). 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 ₱1,000 in rewards, before the card's fees (no annual fee)
To qualify:
₱1,200,000 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

#89 of 123 cards open to new applicants, and #124 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.

  • Yearly value9 / 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 spend2 / 10

      Under ₱250 of travel value on one trip abroad a year, after the 2.50% foreign fee. It includes lounge visits (each person in a household of three who gets in counts). 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 path4 / 5

    Platinum 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 ₱0 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod42 DOct 2441 DOct 2622 COct 2722 CNov 222 CNov 422 CNov 922 CNov 1022 CNov 11
  • 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
₱1,200,000 a year

Rewards

1 point per ₱50. The AUB page lists a 4x bonus for Platinum, but no bank document says what it multiplies. Complimentary airport lounge access. 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
unlimited
Travel insurance
None

Strengths

  • No annual fee for life
  • Unlimited local lounge access

Live and upcoming promos (4)

As of Nov 11, 2026. Check each promo's source before you rely on it.

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.

Official AUB card page ↗