Home Credit Card
Your Diskarte Partner

Home Credit Card
Your Diskarte Partner

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

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

Get 1% rebate for every card purchase

Makakakuha ka ng rebates for every in-store or online transaction

Makakakuha ka ng rebates for every in-store or online transaction

Get 5% 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

Get a ​Home Credit Card when you
apply for a Commodity Loan

Get a ​Home Credit Card​ when you
apply for a Commodity Loan

You can receive a Home Credit Card offer when you avail for a gadget, appliance, furniture or any
commodity loan from Home Credit. Just visit us and ask for assistance from our Sales Associates.

You can receive a Home Credit Card offer when you avail for a gadget, appliance, furniture or any commodity loan from Home Credit. Just visit us and ask for assistance from our Sales Associates.

Choose any of our partner stores
nationwide from our store locator below.

Approach our Sales Associate at the store
and inquire about commodity loan and credit
card application.

Our Sales Associate will process your
commodity loan application and you
can also get a Home Credit Card offer. *Applications are subject for approval

Store Locator

Reminder : Please check mall operating hours before proceeding to the store.

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.

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

Fees and Charges

Fees and Charges

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?

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 for a Commodity Loan, you can also get a Home Credit Card offer. Note: Applications are subject for approval
Just visit our partner store and present two valid IDs to our sales associate:
  • 1 Government-issued ID
  • 1 ID with your address

How will I know the status of my application?

You will be notified via SMS. Approval can be as fast as 1 minute!

B. Card Delivery

How soon will I get my credit card?

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.

What are the requirements when receiving the card?

You just need to present a valid ID to our delivery personnel. Here's a list of acceptable IDs:
  • Voter’s ID
  • Professional Regulations Commission or PRC ID
  • NBI Clearance
  • SSS
  • Passport
  • Pag-ibig
  • Postal ID
  • Driver’s License
  • UMID
  • Philhealth
  • Police Clearance
  • GSIS
  • Senior Citizen Card
  • School ID
  • Employer/Company ID

How do I update the delivery address?

Just call our customer service at (02) 7753-5711 to request for an address change.

What if my address is outside the courier’s delivery area?

You will receive an SMS from us if you need to claim your credit card from the courier office nearest you.

Can the card be delivered on a weekend or a holiday?

Credit cards can only be delivered on Monday to Saturday, except Sunday and holidays.

How many times can a card be delivered if the first attempt was unsuccessful?

We can try to deliver it up to three times. If still unsuccessful, you may get in touch with customer service at (02) 7753-5711 to request for redelivery.

Can I assign a representative to receive my card if I am unavailable?

Yes, you can. Your representative just needs to present a valid ID and the delivery tracking number to our delivery personnel.

I still have not received my credit card. Are there other delivery options available?

The card can be claimed from our designated courier office. We will send you an SMS to let you know when to pick up, and some other details.

C. Activation and PIN

How do I activate my credit card?

There are 2 ways to activate your credit card:
  1. Via the My Home Credit App, which you can download from Google Play Store or click here. Click the "Activate Card" button found on the dashboard of the app.
  2. For iPhone users, call our customer service at (02) 7753-5711.
In both instances, you will receive an SMS from Home Credit to inform you that your card has been activated.

If I applied for the card together with the commodity loan, do I still need to activate my card and set-up a PIN even if the monthly installment was already charged?

Yes, the card is delivered inactive for your security, so you still need to activate the card and set-up your PIN via the My Home Credit App or call our customer service at (02) 7753-5711.

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?

You still need to pay your commodity loan through the standard payment channels on or before the due date even if the card is inactive.

How do I set up my PIN?

You may set up your PIN either via the My Home Credit App or by calling our customer service at (02) 7753-5711. Your 4-digit PIN should not be 4 consecutive numbers like 1234, or repeating numbers such as 2222.
You will receive an SMS from Home Credit if you have successfully set up your PIN.

What should I do if I have forgotten my PIN?

You can change your PIN in the My Home Credit App. For iPhone users, you can call our customer service at (02) 7753-5711 to help you set up a new PIN.

Where do I use my PIN?

Some payment terminals may require you to enter your PIN. You will also be required to enter your PIN on cash withdrawals from an ATM.

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 in 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 of any mobile network or prepaid utility service or pay bills to over 200+ Billers nationwide using the My Home Credit App.

What if my card is not being accepted at a particular establishment?

Make sure the merchant accepts Visa credit card as mode of payment.
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

How do I go about a terminal issue when using my card?

You can do any of the following:
  • 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
Otherwise, 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

Why is my transaction declined?

There may be a technical issue with the terminal where your Home Credit Card was used. You may ask the cashier to re-try processing the payment and advise not to skip the PIN, as verification. If your transaction gets declined again, please contact our customer service at (02) 7753-5711.

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?

Posting of transactions may take up to 2-8 days before it reflects on your account.

E. Card Replacement and Card Renewal

What to do if my credit card was damaged?

You may get in touch with our customer service at (02) 7753-5711 and request for a card replacement. We will replace your card and it will have a new card number. There is a card replacement fee of PHP250 which will be charged on your next billing statement.

What is the validity of my credit card?

Your credit card is valid for 4 years from the month it was issued. You may see this detail at the front of your card, having this format MM/YY. The month and the year indicated means your card is valid until the last day of that month and year.

My card is about to expire. Do I need to request for a new one?

No, we will send you a card replacement two months before your card expires, so there is no need to request for a new one.

Do I need to get the new card activated and set a new PIN?

Yes, because the card is delivered inactive for your security. You may activate it and set up your PIN via the My Home Credit App or by calling our customer service hotline.

How long does it take to get my replacement card?

Your replacement card will be delivered within 5-10 working days.

Can I opt out for auto card renewal?

Yes, you need to notify our customer service at (02) 7753-5711 at least 2 months before the card expires.

F. e-Statement

How and when do I get my e-statement?

Your monthly billing statement will be sent to your email on your billing date. There is an attached PDF and the file is password-protected for added security. You may also download the PDF in the My Home Credit App.

What should I do if I did not received my e-statement?

You may view your billing statement in the My Home Credit App or check your "spam" mail folder. Otherwise, please get in touch with our customer service at (02) 7753-5711 to check if you have the right email address on file or if there is a need to update it.

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?

You may either pay the Total Amount Due so the remaining amount does not incur interest or settle the Minimum Amount Due (MAD). You can also pay any amount beyond the Minimum Amount Due.

What if I failed to settle my payment, or have paid an amount less than the Minimum Amount Due?

There are fees that will be charged on the next billing statement such as interest charges and late payment fees. It is also possible that you will not be able to use your card temporarily.

What is an interest charge?

These are charges incurred when the amount paid for that billing statement is lower than the total amount due.

When is my payment due date?

Your payment due date is 15 days after the billing date. For example, if the billing date is October 1, your due date is on October 16.

What if the due date falls on either a weekend or a holiday?

If your due date falls on a weekend or a holiday, you may pay on the next working day.

Do I need to wait for the payment due date to make a payment?

You can always make a payment before your payment due date to avoid any late payment fees.

What are your fees and charges?

For the complete list of fees and charges, please click here.

What is a late payment fee?

A late payment fee is charged to recover the costs incurred for not paying at least your minimum amount due on or before the due date. It is Php 500 or equivalent to the value of the unpaid minimum amount due, whichever is lower.

What are the requirements in filing a dispute with the transaction/s on my monthly billing statement?

  1. Just fill out the dispute form which can be found here.
  2. Attach the supporting documentation if required and/or attach a separate sheet if you need to describe the dispute in detail
  3. 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?

To view the list of our payment partners, please click here.

Can I pay for my credit card bills online?

Yes, you can pay online using these channels:
  • BDO Online Banking
  • Coins.ph
  • GCash
  • Paymaya
  • Bayad Center Online
  • RCBC Online Banking

How do I make a payment?

  • Use your 10-digit account number, which you can see on your card, below your name
  • Pay at least the minimum amount due on or before the due date
  • Keep your official receipt in case you need to report a missing payment

When will my payment be posted on my account?

Your payment will be posted on the same day it was made. You will receive an SMS notification as soon it is posted.

How soon will my available credit limit be adjusted after making a payment?

Your available credit limit is adjusted as soon as your payment is posted on your account. You can always check your available credit limit via your Home Credit app.

What should I do if my payment has not been posted on the due date?

You may get in touch with our customer service hotline at (02) 7753-5711 please prepare the needed information:
  • Correct Loan Account number or where the payment should be posted on
  • Wrong Loan Account number or where the payment was mistakenly posted
  • Date of payment
  • Amount
  • Payment Channel or where client made the payment

I made an advance payment for my POS Loan, it reflected on the e-SOA but how do I check my remaining overpayment?

Your advance payment will be reflected as your payment on your next monthly billing statement.

H. Security

What to do in case my card gets lost or stolen?

You may temporarily block your card in the My Home Credit App or call our customer service at (02) 7753-5711 so we can block your card. We will also arrange for a card replacement so you can have a new card with a new number.

Will I be notified every time I use my card?

Yes, you will receive an SMS from Home Credit for every transaction and if there are updates on your account.

Will I get notified if my card is blocked?

Yes, you will receive an SMS from Home Credit when your card is temporarily and permanently blocked.

What are possible reasons for blocking a card?

We block the card if it has been reported lost or stolen, if there is an unauthorized transaction, or when the minimum amount due is not paid.

My PIN is not being accepted when I key it in. Will my card be blocked?

Yes, it will be blocked after three failed attempts.

I. Cash Withdrawal

Where can I withdraw cash using my credit card?

You can make cash withdrawals in any ATM that accepts VISA cards.
Note: This is only applicable to cardholders with cash withdrawal limit.

How much can I withdraw using my credit card?

Please check your card carrier, monthly billing statement or the My Home Credit App for your cash withdrawal limit.

Is there a fee for cash withdrawal?

Yes, the cash withdrawal has a fixed fee of Php 200 per transaction.

Will my cash withdrawal transactions incur interest charges even if I pay it on or before the due date?

No, interest will only be charged starting on the day the withdrawal was made, if it was not fully paid.

Is there a limit per billing period for making cash withdrawals?

There is no limit on cash withdrawal as long as it is within your cash withdrawal limit. Just remember that there is a fee for every withdrawal you make.

Can I withdraw more than my cash withdrawal limit?

No, the maximum cash withdrawal is up to your cash withdrawal limit. If this limit has been reached, you will not able to withdraw cash until your balance has been settled for the billing period.

Can I withdraw cash even if I have an outstanding balance?

Yes, as long as you have settled the Minimum Amount Due (MAD) or higher in your last billing statement and have no past dues.

J. Smile Rewards Program

How will I earn rebates?

You will earn 1% rebate for every purchase in stores and online. Always check our website for ongoing promos.

How can I claim my earned rebate?

You may get in touch with our customer service at (02) 7753-5711 to redeem your rebate. Your redeemed rebate will be applied as payment on your Total Amount Due. You will see this amount on your monthly billing statement or via the My Home Credit App.

How will I know how much rebate I have earned?

You may check your earned rebate either thru your latest billing statement or via the My Home Credit App.

Can I redeem my rebate in the form of cash?

No, earned rebates can only be redeemed through a deduction on your total amount due.

Am I entitled to earn rebate from online transactions?

Yes, you can earn rebate from all purchases, even online.

Is there a limit in earning rebate?

Yes, you can earn a maximum of Php 500 rebate per billing period.

Is there a maximum amount to redeem my rebate?

There is no limit to redeem your earned rebates.

K. Installment

What happens to the commodity loan that I availed?

The commodity loan will be automatically charged to the card as an Installment plan.

How much is the interest for the commodity loan?

The interest calculation depends on how much the item costs, your down payment, and how long you wish to pay off the loaned amount. You will incur additional interest charges if the installment amount is not paid on the due date.

How do I convert my purchases to installment?

Installment Plan is temporarily unavailable effective November 3, 2020 until further notice.

Can I convert my straight purchases to installment?

No, due to the 2% monthly interest rate mandated by the BSP, Installment Plans are temporarily unavailable until further notice.
Note: All cardholders with existing Installment Plan will not be affected by this.

When will I see the installment conversion on my e-statement?

All successful installment conversion will be shown on the next billing statement via the My Home Credit App.

Can I convert my cash withdrawal limit to installment?

No, cash withdrawal limit cannot be converted to installment.

L. Online Shopping

Can I use my card for shopping online?

Yes, you can use the card online for food delivery, airline tickets, hotel bookings, subscriptions and in ride sharing apps. You can shop online anytime, anywhere.

Can I use it on any online site?

You may use the card on any secured site. You will know this if the address starts with https.

What details are needed when making an online purchase?

You will be asked to enter your name, credit card number, expiry date, CVV, and the 6-digit one-time password which you will receive via SMS on your mobile phone. Your CVV is the last three digits you can find at the back of the card, at the right side of the white signature strip.

I didn’t receive the one-time password (OTP). What should I do?

The SMS is sent to the mobile number registered to your Home Credit account. You may get in touch with our customer service at (02) 7753-5711 if you need to update your mobile number.

Is there a limit for online purchases?

There is no limit for online purchases as long as you have enough available credit limit in your card.

M. My Home Credit App

How can I download the My Home Credit App?

To download the app, click here. Downloading the app is free of charge.

I already have the app. Will I automatically see my credit card account there?

Yes, you will automatically see your credit card account in the app’s dashboard.

How can I activate my card and set-up my PIN via My Home Credit App?

Log-in the My Home Credit App and click “Activate Card” and follow the steps in card activation and PIN set-up. Make sure that you have your physical card with you and the mobile number you used during card application.

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?

You need to settle your payments to update your account. To view the list of our payment partners, please click here. Once settled, you may activate your card.

If I have an existing commodity loan when I got the card, what should I do if I cannot activate my card after my payment?

Please contact our customer service at (02) 7753-5711 to check if your payment was posted to your account. If yes, try activating your card again in the My Home Credit App or thru our customer service.

What if I reached the maximum attempts in entering the last 4 digits of the card?

There is a maximum of 3 attempts only in entering the last 4 digits of the card. If you have reached this, you have to contact our customer service for assistance.

I cannot proceed with the activation due to incorrect mobile number, what should I do?

Please contact our customer service at (02) 7753-5711 to update your mobile number.

I did not receive my OTP during card activation, what should I do?

Just click "Resend OTP" to receive a new OTP and key in the numbers correctly.

What will I do if I inputted a wrong set of OTP during card activation?

Just click "Resend OTP" to receive a new OTP and key in the numbers correctly.

My OTP for card activation expired, what should I do?

Just click "Resend OTP" to receive a new OTP. It will expire in 5 minutes.

I’ve reached the maximum attempts in entering the OTP during card activation, what should I do?

You need to wait for 10 minutes and try again.

I’m having issues with the 4-digit PIN, what should I do?

Please ensure that the PIN follows the format requirements: no consecutive numbers and no repeating numbers.

The PIN I re-entered is incorrect, what should I do?

You may go back and just create a new PIN.

What credit card details can I view in the My Home Credit App?

You can view your real-time transaction, transaction history, card balance, earned rebate and monthly billing statement.

Will I be able to view all my transactions in the My Home Credit App?

Yes, all your transactions can be viewed in the app.

N. Card Protection

What are the different kinds of coverage under the Card Protection Program?

The Card Protection provides the following coverage:
  • 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?

Your life insurance will cover the card’s outstanding balance. Whatever is left from the insured amount can be claimed by the beneficiary.

What is the coverage of the Accidental Death & Dismemberment?

In the event of the cardholder’s accidental death or dismemberment of certain body parts due to accident, the cardholder or beneficiary can avail additional benefits of up to 120% of the outstanding balance.

What is the coverage for Lost/Stolen Card?

It covers unauthorized transactions 12 hours prior to the cardholder’s reporting of lost or stolen card to our customer service at (02) 7753-5711.

What exactly does internet fraud cover?

It covers unauthorized online transactions 30 days from the last billing date or prior to the cardholder’s notification to the our customer service. It does not apply if the cardholder voluntarily provided such confidential information to dubious or unscrupulous websites.

I availed a Borrower Protection Plan with my commodity loan, how much do I need to pay?

If you decide to convert the Borrower Protection Plan to Card Protection, you will pay Php 75 per month which will be automatically charged to your card.

I availed Accidental Damage and Liquid Damage (ADLD) with my commodity loan, how much do I need to pay?

If ADLD was chosen with the commodity loan, it will automatically be removed from the financed amount, therefore, no insurance service will be added.

How much is the Card Protection Fee?

The Card Protection Fee is Php 75 per month.

How do I file for claims?

You can call our customer service and they will guide you on the next steps.

How many times am I allowed to make a claim?

You may file for a claim as long as the amount of claim is still within the remaining benefit limit based on your credit limit.

Do I need to renew my coverage?

No, your coverage is automatically renewed every year. Upon renewal, you will no longer receive a Certificate of Coverage (COC). The COC is only issued once, which is upon successful enrollment to the program.

Is the protection coverage transferable?

No, the availed protection coverage is NOT transferable.

How do I cancel my Card Protection Plan?

You may get in touch with our customer service to request for cancellation.

O. Credit Limit

Can I request for an increase in my credit limit?

Please wait for an SMS or a call letting you know of your eligibility for an increase in credit limit.

Can I request for a lower credit limit?

Yes, you may get in touch with our customer service to request for a lower credit limit.

What happens to the Total Credit Limit every time I pay the Commodity Loan?

Whenever you pay for the commodity loan, your available credit limit increases by the paid amount but the Total Credit Limit stays the same.

What will happen to the Total Credit Limit once the loan is fully paid?

Once the loan is fully paid, you can now enjoy the full Total Credit Limit for card transactions.

P. Transaction Dispute

I received a notification for a transaction I did not make, what should I do?

You may temporarily block your card in the My Home Credit App or call our customer service at (02) 7753-5711 to report the incident. We will also arrange for a card replacement so you can have a new card with a new number. We will ask you to fill out a dispute form and submit the necessary requirements so we can review it.

I see a transaction on my billing statement but it did not push through, what should I do?

Call our customer service immediately. We will ask you to fill out a dispute form which can be found here and submit the necessary requirements so we can investigate what happened on the transaction.

I received a notification for a transaction that did not push through. What should I do?

Please get in touch with our customer service to report the incident.