Home Credit Card
Your Diskarte Partner
SHOP at your favourite stores and online
Pay as low as 0% interest on installment
EARN 1% Rebate/ Cashback anywhere
Smile Rewards Program
Earn up to 10% cashback at our partners and 1% cashback for all other purchases. Plus, enjoy discounts or freebies at partner merchants using your Home Credit Card.
My Home Credit App
Download the My Home Credit App from Google Play store to view your card balance, transactions and payment details.
Make payments and transfers faster, simpler and secure
Coming Soon!
Make payments and transfers faster, simpler and secure
Scan QR codes to Pay
No need to carry your Home Credit Card or cash with you all the time. Just scan the Home Credit PAY QR code from any of our partner stores to pay for your transactions.
Features & Benefits 
How to Apply 
Smile Rewards 
FAQs 
Downloadable Documents 
WaisTips Walang Credit Card? Now you can!
Shopping Convenience
Card can be used at 40 million establishments in over 200 countries where Visa is accepted.
Installment Plan
Convert your straight purchases to installment for a minimum of Php3,000 at low interest rate. Just call Customer Service to make the request. You can also avail of 0% installment at partner merchants.
Smile Rewards Program
Earn cashback every time you use your Home Credit Card and enjoy discounts or freebies at partner merchants.
Cash Advance
Avail of cash advance through ATMs where Visa is accepted.
Click here for the list of Bank ATMs.
My Home Credit App
View your credit card balance, transactions or e-Statement in the mobile app anytime, anywhere.
High Security Standards
Your Home Credit Card is designed to keep your transactions and private information safe through EMV Chip, PIN verification, 3D-Secure and SMS alerts.
Contactless Payment
No need to dip or swipe the card. Just tap your Home Credit Card on contactless-enabled POS terminals.
Card Protection
With Card Protection Program, you don’t have to worry about unauthorized transactions on your card if it gets lost or stolen. Your family is also protected in case of unforeseen death or accident.
How to Apply
Check out our fast, easy, and simple ways to apply for a credit card and choose the option that best suits you!
The approval is as fast as 1 minute! Only selected customers can apply.
Home Credit will notify you via call, text message, email or mobile app if you are eligible to apply.
For more details and information about the Home Credit Card, click this link to go to the User Guide
Call Us
Hotline: (02) 7753-5714
Toll free Numbers:
Smart/PLDT: 1-800-10-234-3000
Globe: 1-800-8-905-0303
*Monday to Sunday, 8AM-9PM
Visit Our Partner Stores
Choose from our selected partner stores nationwide.
Reminder: Please check mall operating hours before proceeding to the store.
Smile Rewards
Use your Home Credit Card and enjoy Smile Rewards’ exciting deals and offers.
Cashback
Earn up to 1% rebate/cashback anywhere and special cashback at select partners for all your purchases.
Perks (Freebies/Discounts)
Enjoy exclusive freebies and discounts at our partner stores using your Home Credit Card.
Frequently Asked Questions
How can I be eligible for a credit card?
There are two options:
- If you’re a customer with existing or previous Home Credit loans: We will notify you via SMS, call, email, or thru your Home Credit app if you are eligible for a Home Credit Card.
- Also, when you re-avail a commodity loan, you will get a chance to be offered a Home Credit Card, subject to approval.
If you’re a NEW customer: Apply for a commodity loan at participating partner store and get a chance to be offered a Home Credit Card, subject to approval.
Visit the 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!
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.
Are the requirements for receiving the card?
You just need to present a valid ID to our delivery personnel. Here is 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?
Call our customer service hotline 77535711 and request to change the delivery address.
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 our courier office.
Can the card be delivered on a weekend or a holiday?
Credit cards can only be delivered during weekdays and during office hours.
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 77535711 to request for re-delivery.
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.
How do I activate my credit card?
There are two ways to activate your credit card. In both instances, you will receive an SMS from us to let you know your card has been activated.
- Via your Home Credit app, which you can download from Google Play Store.
- By getting in touch with our customer service 77535711
Do I still need to activate my card and set-up a PIN even if my commodity loan was already charged?
Yes, the card is delivered inactive so you still need to activate the card and set-up your PIN via My Home Credit App or via customer service.
What if I did not activate the card? What will happen to my commodity loan?
You still need to pay your commodity loan through the standard payment channels on or before the due date even if card is inactive.
How do I set up my PIN?
You may set up your PIN either via the Home Credit app, or by calling our customer service hotline (77535711). Your 4-digit PIN should not be 4 consecutive numbers like 1234, or repeating numbers such as 2222. You will receive an SMS from us if you have successfully set up your PIN.
What do I do if I have forgotten my PIN?
You can get in touch with customer service (77535711) to help you set up a new one.
Where do I use my PIN?
Some payment terminals may require you to enter your PIN. You will also be required to enter it when withdrawing cash from an ATM.
Which establishments or services can I use my Home Credit card?
You can use your card in any establishment or service that accepts Visa such as supermarkets, department stores, restaurants, and online shops like Lazada and Zalora. You may also use it for Grab fare, airline tickets, or hotel booking payments.
What if my card is not being accepted at a particular establishment?
You may get in touch with customer service (77535711) to report the incident. Just provide us the following details so we can look into it.
- Store name
- Mall
- Date and time
How do I go about a terminal issue when using my card?
You may get in touch with customer service (77535711) and report the error message you are getting. Please make sure that your card is active and has available credit limit.
What do I do if my credit card is damaged?
You may get in touch with customer service at 77535711 and ask for a card replacement. We will replace your card and it will have a new card number. There is a card replacement fee of P250 which will be charged to your next billing statement.
Until when is my credit card valid?
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.
My card is about to expire. Do I need to request for a new one?
We will send you a card replacement two months before your card expires, so there is no need to request for 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 a PIN thru your Home Credit app, or by calling our customer service hotline – 77535711.
How long does it take to get my replacement card?
Your replacement card will be delivered within 5 to 10 working days.
Understanding your e-Statement?
Please click here to watch the video.
How and when do I get my e-Statement?
Your statement is sent to your e-mail address on your statement. Attached on it is a password-protected PDF for your security. You may also download the PDF from your My Home Credit app.
What do I do if I have not received my statement?
You may want to check your junk/spam mail to see if the email is there. Otherwise, please get in touch with customer service hotline – 77535711 to check if you have the right email address on file, or if there is a need to update it.
There are different amounts I see on the statement. How much should I actually pay for my credit card bill?
You may either pay the full statement balance so the remaining amount does not incur interest, or settle the minimum amount due. You can also pay any amount beyond the minimum amount due.
What if I failed to settle my card, or have paid an amount less that the minimum amount due?
There are fees that will be charged on the next billing statement such as interest charges and late 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 statement balance.
When is my bill normally due by?
Your payment due date is 15 days after the statement date. For example, if the statement 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 make a payment on the next working day.
Do I need to wait for the due date to make a payment?
You can always make a payment before the due date to avoid any late fees.
What are your fees and charges?
Please click here
Where can I make payments for my credit card bills?
To view the list of our payment centers, please click here
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 before the due date
- Keep your official receipt in case you need to report a missing payment.
Will my payments adjust my available credit limit?
Yes, once payments are posted to your account, your available credit limit will adjust.
When will my payments 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.
Can I pay online?
Yes, you can pay online using these channels:
- BDO Online Banking
- Coins.ph
- GCash
- Paymaya
- Bayad Center Online
- RCBC Online Banking
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 do I do in case my card gets lost or stolen?
You may get in touch with our customer service hotline 77535711 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 sue my card?
Yes, you will receive an SMS from us 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 us 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.
Where can I withdraw cash using my credit card?
You may make withdrawals from any ATM that accepts VISA cards.
Upon to how much can I withdraw using my credit card?
Please check your card carrier, statement of account, or your My Home Credit app for your available cash advance limit.
Is there a fee for cash advance/withdraw?
Yes, the cash advance fee is 3.99% of the withdrawn amount or Php 400, whichever is higher.
Will my cash advance transactions incur interest charges even if I pay it on or before the due date?
Interest will be charged from the day the cash withdrawal was made until it is fully paid.
Is there a limit per billing period for making cash withdrawals?
There is no limit to making a cash advance for as long as it is within your limit. Just remember that there is a fee for every withdrawal you make.
How will I earn rebates or cashback?
You will earn 1% rebate or cashback for all card transactions; or up to 10% rebate at select partner stores. Always check our website (website link) for ongoing promos.
How can I claim my earned cashback?
You may get in touch with our customer service hotline 77535711 to redeem your cashback. Your redeemed cashback will be deducted from your statement balance. You will see this amount on your next statement or via your My Home Credit app.
How will I know how much cashback I have earned?
You may check your earned cashback either thru your latest statement or from your Home Credit app.
Can I redeem my cashback in the form of cash?
Earned cashback can only be redeemed by way of statement balance deduction.
Am I entitled to earn cashback from online transactions?
You can earn cashback from all transactions, even online. Some partner stores have offers which lets you earn up to 10% cashback.
Can I make installment purchases using my credit card?
Yes, you may check our website for partner stores that offer 0% installment plan. You may also convert straight purchases to an installment plan by contacting our customer service hotline 77535711.
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 by the due date.
Can I convert my straight purchases to installment?
Yes, straight purchases of at least Php3,000 can be converted to installment basis.
Can I convert my cash advance to installment?
No, cash advance cannot be converted to installment.
How do I convert my purchases to installment?
You may get in touch with customer service to select which purchases you wish to convert to installment. You will receive an SMS from us if the conversion is successful.
Until when can I request for conversion of my straight purchase to installment?
You may request for installment conversion until the due date of the statement where the transaction was posted.
What terms are available if I pay in installment?
You can choose from 6, 9, or 12 monthly installment term.
Do installment plans incur interest?
Yes, the interest rate depends on the term you choose. Click here for the Table of Fees & Charges.
Is there a limit to enrolling straight purchases to installment plans?
You may apply as many as possible, but each one is subject for approval.
When will I see the installment conversion on my e-Statement?
All successful conversions will be shown on the next statement. You can also check your My Home Credit app.
Can I use my card for shopping online?
Yes.
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 customer service if you need to update it.
How do I download My Home Credit app?
You may go to Google Pay Store and search for My Home Credit app. 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 card account in the app’s dashboard.
How can I activate my card via My Home Credit App?
Log-in to your My Home Credit App account 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 that your mobile number is updated and it is the same number 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 do I need to do?
You need to settle your payments to update your account. Once settled, you may activate your card.
I have already paid but I still cannot activate my card?
Please contact customer service to check if payment was posted to your account.
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 Customer Service for assistance.
I cannot proceed with the activation due to incorrect mobile number. What do I need to do?
Please contact Customer Service to update your mobile number.
I did not receive my OTP during card activation.
Please click Resend OTP to receive a new OTP.
My OTP for card activation expired, what do I need to do?
Please click Resend OTP to receive a new OTP. OTP expires in 5 minutes.
What will I do if I inputted a wrong set of OTP during card activation?
Please click Resend OTP to receive a new OTP.
I’ve reached the maximum attempts in entering the OTP during card activation.
You need to wait for 10 minutes and try again.
I’m having issues with the 4-digit PIN.
Please ensure that the PIN follows the format requirements: no consecutive numbers and no repeating numbers.
The PIN I re-entered is incorrect.
You may go back and just create a new PIN.
What credit card details can I see from the mobile app?
You will see your outstanding balance, available balance, list of transactions, e-statement, etc.
Will I be able to see all my transactions on the app?
Yes, all transactions can be seen on the mobile app.
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 OB)
- Accidental Death & Dismemberment (Up to 120% of OB)
- 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 his outstanding balance.
What is the coverage of the Lost/Stolen Card?
It covers unauthorized transactions 12 hours prior to the cardholder’s reporting of lost or stolen card to the Customer Service.
What exactly does internet fraud cover?
It covers unauthorized online transactions 30 days from last statement date or prior to the cardholder’s notification to the 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 Php75 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 P75 per month.
How do I file for claims?
You can call 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. Coverage is automatically renewed every year. Upon renewal of the coverage, you will no longer receive a COC. The sending of the COC is only done once, upon successful enrollment to the program.
Is the protection coverage transferable?
The availed protection coverage is NOT transferable.
How do I cancel my Card Protection Plan?
You may get in touch with customer service to request for cancellation.
Can I request for an increase in 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 customer service to request for it.
What happens to the Total Credit Limit every time I pay the commodity Loan?
Whenever you pay for the commodity loan, the available 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.
I received a notification for a transaction I did not make. What should I do?
You may get in touch with customer service to report the incident, and for us to block your card.
What should I do if I see a transaction on my statement but that transaction did not push through?
Please get in touch with customer service so we can investigate what happened on the transaction. We will ask you to fill out a dispute form and submit necessary requirements so we can process the request.
I received a notification for a transaction that did not push through. What should I do?
Please get in touch with customer service to report the incident.
Wais Tips
Sundin ang mga Wais Tips to help you use your Home Credit Card responsibly para mas ma-enjoy ang benefits nito.
Tips sa Tamang Paggamit ng Card
-
Spend within your budget
Maglaan ng budget para sa mga necessities and spend within your monthly income. Mataas ang risk ng overspending sa mga credit cardholders na hindi maayos ang pag-budget.
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Keep track of your spending
Makakatanggap ka ng SMS notification from Home Credit after every authorized transaction, to help you keep track of your spending. Always check your credit card balance, transaction history at cashback sa My Home Credit App (download for free sa Google Play Store or click here
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Refrain from Cash Advances
Pwedeng gamitin ang card when shopping in groceries or retail stores. Withdraw cash from your card in emergency cases only, to avoid accumulating high interest charges and fees.
Tips sa Pagbabayad
-
Pay your bills on time
On your statement date, makikita mo ang Minimum Amount Due (MAD) at Statement Balance sa iyong monthly Electronic Statement of Account (eSOA) sa My Home Credit App. Magbayad ng at least the Minimum Amount Due (MAD), on or before your payment due date to keep your card active.
-
Pay higher than MAD
Ang unpaid balance every month ay magkakaroon ng interest charges. To minimize these charges, pay above your MAD or pay the Full Statement Balance.
To know our Payment Partners, click here.
Tips para sa Card Security
- Never share your credit card information, tulad ng Account Number, PIN o CVV sa ibang tao.
- Iwasang ilagay ang kopya ng PIN sa iyong wallet o sa likod ng card.
- I-report agad ang lost or stolen card at suspicious transactions sa Home Credit.
- Be present and pay attention to the cashier when paying in store, to avoid “swipe and theft” scam using card skimmers.
- Huwag ipagamit o i-surrender ang iyong card sa ibang tao.
- Home Credit will never ask for confidential information tungkol sa iyong account via electronic mail.
- Don’t reply sa mga fraudulent emails.
Tips para sa Online Transactions
- Para maiwasan ang online fraud, pay using your Home Credit Card sa mga kilalang online merchants tulad ng Agoda, Amazon, Apple, Cebu Pacific, Google, Lazada at iba pang secured websites. To be safe, piliin ang Cash on Delivery (COD) option at huwag munang gamitin ang card sa mga unknown merchant at website.
- Laging i-check na secure ang website by checking the URL address if it starts with “https” at may closed padlock icon sa status bar ng browser.
- Enter the URL of the website directly gamit ang iyong web browser. Iwasang ma-redirect sa ibang website o anumang hyperlink mula sa website na maaaring hindi secured.
- Bago bumili online o mag-submit ng personal information, make sure na tama ang website na iyong na-access. Beware of “bogus” or “look alike” websites which can deceive consumers.
Tips para sa Declined Transactions
| IN-STORE TRANSACTION | WHAT YOU CAN DO |
|---|---|
| May technical issue sa Point-of-sale (POS) terminal ng store | Tell the cashier na i-process ang transaction by letting you key-in your PIN or you can try another bank terminal. |
| You entered an incorrect PIN | Try to re-enter your PIN. Kung nakalimutan ang PIN, call Customer Service hotline. |
| Hindi sapat ang available Credit Limit | Laging i-check ang iyong available balance at transaction details in the My Home Credit App. |
| Blocked ang iyong card dahil may unpaid balance | Pay at least the Minimum Amount Due (MAD) at our nearest payment partner, para patuloy na magamit ang card. |
| Blocked ang iyong card dahil sa potential fraud | Check your card status in the My Home Credit App. Tumawag sa Customer Service hotline to unblock your card. |
| ATM TRANSACTION | WHAT YOU CAN DO |
|---|---|
| Hindi sapat ang available Cash Advance Limit | Download the My Home Credit App para i-check ang available Cash Advance Limit, in real time. |
| You entered an incorrect PIN | Try to re-enter your PIN. Kung nakalimutan ang PIN, call Customer Service hotline. |
| Hindi Visa-affiliated ang ATM | Pwedeng mag-withdraw sa kahit aling ATM na may Visa logo. You can try to use other bank’s ATM tulad ng BDO, BPI, RCBC, SCB, Chinabank, Metrobank o EastWest Bank. |
| Mali ang Account selected sa ATM | Make sure to choose “Credit Card” in the Account Selection type. |
