Mas rewarding na ang everyday purchases mo with your
Home Credit Card!
Mas rewarding na ang everyday purchases mo with your Home Credit Card!

No additional fees for bills payment!
Zero fees kapag nagbayad ka ng bills for utilities, atbp. gamit ang My Home Credit App.
Zero fees kapag nagbayad ka ng bills for utilities, atbp. gamit ang My Home Credit App.
Get 4% discount when buying load
Mas convenient na rin magbayad ng bills at mag shopping with QR gamit ang My Home Credit App.
Mas convenient na rin magbayad ng bills at mag shopping with QR gamit ang My Home Credit App.
Enjoy up to 45 days - interest free
Bukod sa 30-day billing period, may palugit na 15 days before payment due date.
Bukod sa 30-day billing period, may palugit na 15 days before payment due date.
May Home Credit Card ka na diskarte partner mo araw-araw!
May Home Credit Card ka na
diskarte partner mo araw-araw!

Saan pwedeng gamitin ang card?
Saan pwedeng gamitin ang card?
Grocery
Drug Store
Online
Mall
Restaurant
Fuel
Food Delivery
Book Tickets

Manage your card with just a tap in My Home Credit App
Manage your card with just a tap in My
Home Credit App
Check balances & transactions real-time
Help Center
Pay Bills and Buy Load
HC PAY QR
3 easy steps to avail a Home Credit Card
3 easy steps to avail a Home Credit Card
You can apply for a Home Credit Card when you avail of a commodity loan or any product from Home Credit.
Just make sure that you keep your account updated and in good standing to receive an offer!
You can apply for a Home Credit Card when you avail of a commodity loan or any product from Home Credit.
Just make sure that you keep your account updated and in good standing to receive an offer!
Our Telesales Agent will call you when you’re eligible for a Home Credit Card. You can also receive an SMS, email, or push notification.
Use the Store Locator below and select a Home Credit partner store near you.
Visit your selected partner store and show your Offer ID to our Sales Associate to proceed with your credit card application.
*Applications are subject to approval
Store Locator
More ways to enjoy your card?
More ways to enjoy your card?
Card Protection
If your card gets lost or stolen, you don’t have to worry about any unauthorized transactions. Your family is also protected in case of unforeseen death or accident.
Card Security
Your card is designed to keep your transactions safe through EMV Chip, PIN verification, 3D-Secure and SMS alerts.
Learn More
Find out more information about our credit card details by exploring these documents.
Learn More
Find out more information about our credit card details by exploring these documents.
Credit Card Terms and Conditions
Credit Card Terms and Conditions
Dispute Form
Dispute Form
Credit Card Rebate Terms & Conditions
Credit Card Rebate Terms & Conditions
Frequently Asked Questions
Frequently Asked Questions
A. Application
How can I be eligible for a credit card?
- 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.
- When you avail of a Commodity Loan, you can also get a Home Credit Card offer. Note: Applications are subject for approval
- 1 Government-issued ID
- 1 ID with your address
How will I know the status of my application?
B. Card Delivery
How soon will I get my credit card?
What are the requirements when receiving the card?
- 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
How do I update the delivery address?
- Globe: (02) 7-753-5711
- Smart/PLDT: (02) 8-424-6611
What if my address is outside the courier’s delivery area?
Can the card be delivered on a weekend or a holiday?
How many times can a card be delivered if first attempt was unsuccessful?
Can I assign a representative to receive my card if I am unavailable?
I still have not received my credit card. Are there other delivery options available?
While waiting for my card delivery, can I already use my credit card?
C. Activation and PIN
How do I activate my credit card?
- For Android mobile phone users, you can easily activate your card by clicking the "Activate Now" button on the My Home Credit app's home screen and follow the on-screen instructions. You can download the latest My Home Credit app at the Google Play Store for free at https://goo.gl/3zhHsU
- For iPhone users, please call our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.
What if I reached the maximum attempts at entering the last 4 digits of the card?
I cannot proceed with the activation due to incorrect mobile number, what should I do?
I did not receive my OTP during card activation, what should I do?
What will I do if I inputted a wrong set of OTP during card activation?
My OTP for card activation expired, what should I do?
I tried activating my card, however, there was an error message that I have an overdue balance with my other loans, what should I do?
If I applied for the card together with the commodity loan, what will happen to my commodity loan if I did not activate the card?
If I have an existing commodity loan when I got the card, what should I do if I still cannot activate my card after my payment?
How can I set up my PIN via My Home Credit App?
You may set up your PIN either via the "Manage Card" option in your My Home Credit App or by calling our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611. For your account safety and security, your four digit PIN cannot be consecutive numbers (ex. 1234) or repeating numbers (ex. 0000).
You will receive an SMS from Home Credit if you have successfully set up your PIN.
Where do I use my PIN?
The PIN I re-entered is incorrect, what should I do?
What should I do if I have forgotten my PIN?
What does "Reached Maximum Attempts for Entering OTP" mean?
D. Usage of Card
Where can I use my Home Credit Card?
You can use your card in any Visa-affiliated merchants such as supermarkets, department stores, restaurants, drugstores, gas stations, and even online: food delivery, bookings, subscriptions and in ride-sharing apps. You can shop and pay anytime, anywhere.
You can also pay using QR, buy load credits from any mobile network or prepaid utility service or pay bills at over 200+ billers nationwide using the My Home Credit App.
Is there a fee if I use the card?
What if my card is not being accepted at a particular establishment?
If the merchant refuses to process your transaction, you may get in touch with our customer service to report the incident. Just provide the following details to us so we can look into it:
- Store name
- Mall/Branch
- Date and time of purchase attempt
How do I go about a terminal issue when using my card?
- Tell the cashier not to skip the PIN so you can key in your PIN
- Tap your card to pay
- Try another Point-of-Sale (POS) terminal in the store
- Store name
- Mall/Branch
- Date and time of purchase attempt
What are the possible reasons why my retail transaction got declined?
- There may be a technical issue with the terminal where your Home Credit Card was used.
- You may have entered an incorrect PIN.
- You may not have enough available balance.
- Your card may be blocked due to an unpaid balance or potential fraud.
My purchase was deducted to my available credit limit but it did not show on my account. When will my transaction reflect on my account?
E. Card Replacement and Card Renewal
What to do if my credit card was damaged?
What is the validity of my credit card?
My card is about to expire. Do I need to request for a new one?
Do I need to get the new card activated and set a new PIN?
How long does it take to get my replacement card?
Can I opt out for auto card renewal?
My card has expired. What should I do if my renewal card has not yet been delivered?
F. e-Statement
How and when do I get my e-statement?
Your billing statement is sent to your registered email address once a month. You will see there your card details, balances, limits and transaction history.
You will also see a detailed breakdown of the transactions on the PDF attached to the email. This file is password-protected for added security.
Alternatively, you can also download your billing statement on the My Home Credit app.
What should I do if I did not receive my e-statement?
I can see the Minimum Amount Due and Total Amount Due on my e-statement. How much should I actually pay for my credit card bill?
To avoid interest charges, we advise you to pay the Total Amount Due on or before your due date. That is the total amount charged to your credit card within the billing period.
You may also choose to pay only the Minimum Amount Due which is the minimum partial payment required to keep your card active and to avoid late payment fees but the remaining balance will incur interest charges.
What if I failed to settle my payment or have paid an amount less than the Minimum Amount Due?
What is an interest charge?
If you do not pay the Total Amount Due on or before your due date, the remaining balance will be charged a 2.0% interest per month starting from the billing date.
This will be reflected on your next Monthly Billing Statement as "Interest Charges".
When is my payment due date?
What if the due date falls on either a weekend or a holiday?
Do I need to wait for the payment due date to make a payment?
What are your fees and charges?
What is a late payment fee?
What are the requirements in filing a dispute on my monthly billing statement?
- Just fill out the dispute form which can be found here.
- Attach the supporting documentation if required and/or attach a separate sheet if you need to describe the dispute in detail
- Send the Dispute Form via:
Email - disputeresolution@homecredit.ph
Mail - 11F Vertis North Corporate Center Tower 1, North Avenue, Barangay Bagong Pagasa 1, Quezon City, Philippines 1105
G. Payment
Where can I pay for my credit card bills?
Can I pay for my credit card bills online?
You may also pay online using these channels:
- Bayad Center Online
- BDO Online Banking
- Coins.ph
- GCash
- Paymaya
- RCBC Online Banking
How do I make a payment?
- Pay using your 10 digit account number which can be found on your Home Credit Card right below your name.
- Make it a habit to check your app to monitor your transactions and manage your expenses.
- Keep a copy of your official receipt in case you need to report a missing payment.
When will my payment be posted on my account?
How soon will my available credit limit be adjusted after making a payment?
What should I do if my payment has not been posted on the due date?
- Correct Credit Card Account Number or where the payment should be posted in
- Wrong Credit Card Account number or where the payment was mistakenly posted
- Date of payment
- Amount
- Payment Channel or where the payment was made
I made an advance payment on my credit card. It reflected on the e-SOA but how do I check my remaining overpayment?
H. Security
What to do in case my card gets lost or stolen?
Will I be notified every time I use my card?
Will I get notified if my card is blocked?
What are possible reasons for blocking a card?
My PIN is not being accepted when I key it in. Will my card be blocked?
I. Cash Withdrawal
Where can I withdraw cash using my credit card?
Note: This is only applicable to cardholders with cash withdrawal limit.
What are the possible reasons why my ATM transaction got declined?
How much can I withdraw using my credit card?
Is there a fee for cash withdrawal?
Will my cash withdrawal transactions incur interest charges even if I pay it on or before the due date?
Is there a limit per billing period for making cash withdrawals?
Can I withdraw more than my cash withdrawal limit?
Can I withdraw cash even if I have an outstanding balance?
J. Smile Rewards Program
How will I earn rebates?
How can I claim my earned rebate?
Can I redeem my rebate in the form of cash?
K. Installment
What is an Installment Plan?
An installment plan gives you payment flexibility to convert qualified purchases into installment over a certain period. Your monthly installment amount will be part of your Minimum Amount Due.
Note that the Installment Plan feature is available to selected customers only.Why convert to an installment plan?
Can I convert my cash advance to installment?
Which transactions can be converted to Installment Plan?
Eligible transactions will have the "Convert to Installment" button within 3 days after the purchase date.
Purchases with at least PHP 2,000 may be converted to installment plan (subject for approval).How do I convert my transactions into installments?

Step 2: Select the transaction you want to convert and then tap the "Convert to Installment" button.

Step 3: Choose your preferred installment plan. Make sure to review the details before confirming the conversion terms.

Do installment plans incur interest?
Yes, the monthly add-on interest is fixed at 1%.
This is also equivalent to 1.4926% effective interest rate for 3 months term, 1.6907% for 6 months, and 1.7881% for 12 months.What are the available terms for installment plan?
You can choose from 3, 6, and 12 installment terms, depending on the transaction amount:
Installment Plan | ||||
---|---|---|---|---|
Transaction Amount | PHP 2,000 - PHP 7,000 | PHP 7,001 and Up | ||
Term | 3M | 6M | 6M | 12M |
How to compute for my monthly payment?

Sample Scenario:
Transaction Amount | P7,000 |
No. of months to Pay | 3 |
Monthly Interest Rate | 1% |

If you convert your PHP 7,000 purchase to 3-month installment plan, you will only have to pay a total interest of P210.
Note: This scenario assumes no other transactions or late payments are made and based on 30-day period per month.What is conversion fee?
Until when can I convert my transactions to Installment Plan?
You may request for installment conversion until the due date of the statement where the transaction was posted.
You will receive an SMS from us if the conversion is successful.Is there a limit to enrolling purchases to installment plans?
When will I see the installment conversion on my e-statement?
What can I do if my installment conversion was not approved?
If your transaction was not approved to be converted to installment, you may opt to paying only your Minimum Amount Due (MAD) only and pay for a monthly interest of 2% until you fully paid the transaction.
Sample Scenario:If you made a PHP6,000 purchase and want to pay it off in 6 months, you can simply set a goal to pay at least PHP1,000 plus the 2% monthly interest charged to the remaining principal as shown in your monthly billing statement.
Note: This scenario assumes no other transactions are made.L. Online Shopping
Can I use my card for shopping online?
Can I use it on any online site?
What details are needed when making an online purchase?
- Account Name
- 16-digit card number
- the card expiry date
- and your CVV or the 3 digit number at the back of your card beside the signature panel.
I didn’t receive the one-time password (OTP). What should I do?
Is there a limit for online purchases?
M. My Home Credit App
How can I download the My Home Credit App?
I already have the app. Will I automatically see my credit card account there?
What credit card details can I view in the My Home Credit App?
Can I make credit card transactions using my My Home Credit App?
- Buy prepaid mobile load or prepaid utility service at 4% discount
- Pay utility bills at over 200 billers nationwide with no additional fees
- Pay at partner merchants using the QR scanner
N. Card Protection
What are the different kinds of coverage under the Card Protection Program?
- Credit Life Insurance (Up to 120% of Outstanding Balance)
- Accidental Death & Dismemberment (Up to 120% of Outstanding Balance)
- Lost / Stolen / Internet Fraud (up to the credit limit)
What is the coverage of the Life Insurance?
What is the coverage of the Accidental Death & Dismemberment?
What is the coverage for Lost/Stolen Card?
What exactly does internet fraud cover?
How much is the Card Protection Fee?
Is insurance mandatory? Do I have to get insurance?
How does the HC Credit Cardholder pay for the monthly premium?
When will I be charged?
If availed, the monthly Card Protection Fee of Php75 will not be charged until your first transaction.
*For those who applied for the card with their gadget or appliance loan, the loan is considered as your first transaction so the fee will be charged starting your first month.
How do I file for claims?
How many times am I allowed to make a claim?
Do I need to renew my coverage?
Is the protection coverage transferable?
How do I cancel my Card Protection Plan?
Why am I getting membership and card protection charges?
O. Credit Limit
Why was my credit limit increased?
Can I request for an increase in my credit limit?
- Make sure that you pay at least the minimum amount due or better yet, the total amount due.
- Always pay on or before your due date. You may take advantage of our easy payment methods such as paying on our website or at any of our payment partners. You may also opt to enroll your account in our Auto Debit Arrangement.
- Enjoy and take advantage of your card by using it more frequently according to your budget.
Why was my credit limit decreased?
Can I request for a lower credit limit?
How much do you want me to pay to make sure I don't get my credit limit decreased?
When is the best time to pay to make sure I don't get my credit limit decreased?
When will the change in credit limit reflect on my account?
P. Transaction Dispute
I received a notification for a transaction I did not make, what should I do?
I was charged for a transaction that did not push through. What should I do?
I received a notification for a transaction that did not push through. What should I do?
Q. Account Blocking, Cancellation and Termination
How do I cancel/terminate my credit card?
Home Credit Philippines is regulated by the Bangko Sentral ng Pilipinas with contact number (02) 8708-7087 and with email address consumeraffairs@bsp.gov.ph.