There are 2 options: 1. When you’re an existing or previous Home Credit customer: We will notify you via SMS, call, email, or thru the My Home Credit App if you are eligible for a Home Credit Card 2. When you avail of a Commodity Loan, you can also get a Home Credit Card offer. Note: Applications are subject to approval Just visit our partner store and present two valid IDs to our Sales Associate: • 1 Government-issued ID • 1 ID with your address

No, the new interest rate will apply to all current and new credit card holders

No, existing Installment Plan in your credit card will remain the same

You can afford big purchases by using your Home Credit Card. Low Interest Rate The new 3% monthly interest rate is lower than previous installment plan offers. This means any interest charged on the unpaid balance is much more affordable. Payment Flexibility You have control and flexibility on how much to pay every month as long as it is not lower than the Minimum Amount Due, which is 7% of your unpaid balance or P700 whichever is higher. When you make a big purchase, you can set a goal on how much you will pay off every month depending on what you can afford. The unpaid balance is charged a low 1% monthly.

Your credit card will be delivered to your delivery address within 5 working days if the address is within Metro Manila, or 10 working days for provincial areas. You will receive an SMS notification once your card is ready for delivery. You just need to present a valid ID to our delivery personnel. Here's a list of acceptable IDs: • Driver’s License • Employer/Company ID • GSIS • NBI Clearance • Pag-ibig • Passport • Philhealth • Police Clearance • Postal ID • Professional Regulations Commission or PRC ID • School ID • Senior Citizen Card • SSS • UMID • Voter’s ID • Philsys ID

It is the amount where in Home Credit Philippines charges the cardholder for the right to use its credit card and acquire access to other membership benefits. Once the credit card has been activated, the card holder will be charged with a monthly membership fee on the initial transaction. If the card is already activated, as long as it has not been used in any transaction, it will not be charged with the monthly membership fee. To see the monthly membership fee amount and other fees you may refer to your monthly SOA.

The formula to compute for the interest amount is Unpaid Balance x (Interest Rate / 30 days) x No. of Days Past Due.  Note that the Unpaid Balance excludes card fees, new purchases, and other charges that are not subject to interest. See sample computation below:Grocery shopping: P10,000Paid: P5,500 Unpaid balance: P4,500 P4,500 x (3% / 30 days) x 21 = P63 interest

We have reduced your credit limit to help you manage your account. But don’t worry, we regularly evaluate your card usage and payment behavior and you will received a notification if your credit limit is back/increase.

The interest rate is 3%.