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
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
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?
- 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 for 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?
- 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?
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 the 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?
C. Activation and PIN
How do I activate my credit card?
- 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.
- For iPhone users, call our customer service at (02) 7753-5711.
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?
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?
How do I set up my PIN?
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?
Where do I use my PIN?
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?
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?
- 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
Why is my transaction declined?
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?
F. e-Statement
How and when do I get my e-statement?
What should I do if I did not received 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?
What if I failed to settle my payment, or have paid an amount less than the Minimum Amount Due?
What is an interest charge?
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 with the transaction/s 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?
- 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?
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 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?
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.
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?
How will I know how much rebate I have earned?
Can I redeem my rebate in the form of cash?
Am I entitled to earn rebate from online transactions?
Is there a limit in earning rebate?
Is there a maximum amount to redeem my rebate?
K. Installment
What happens to the commodity loan that I availed?
How much is the interest for the commodity loan?
How do I convert my purchases to installment?
Can I convert my straight purchases to installment?
Note: All cardholders with existing Installment Plan will not be affected by this.
When will I see the installment conversion on my e-statement?
Can I convert my cash withdrawal limit to installment?
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?
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?
How can I activate my card and set-up my PIN via My Home Credit App?
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 have an existing commodity loan when I got the card, what should I do if I cannot activate my card after my payment?
What if I reached the maximum attempts in 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’ve reached the maximum attempts in entering the OTP during card activation, what should I do?
I’m having issues with the 4-digit PIN, what should I do?
The PIN I re-entered is incorrect, what should I do?
What credit card details can I view in the My Home Credit App?
Will I be able to view all my transactions in the My Home Credit App?
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?
I availed a Borrower Protection Plan with my commodity loan, how much do I need to pay?
I availed Accidental Damage and Liquid Damage (ADLD) with my commodity loan, how much do I need to pay?
How much is the Card Protection Fee?
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?
O. Credit Limit
Can I request for an increase in my credit limit?
Can I request for a lower credit limit?
What happens to the Total Credit Limit every time I pay the Commodity Loan?
What will happen to the Total Credit Limit once the loan is fully paid?
P. Transaction Dispute
I received a notification for a transaction I did not make, what should I do?
I see a transaction on my billing statement but it did not push through, what should I do?
I received a notification for a transaction that did not push through. What should I do?
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.