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 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

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

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

To request for an address change, call our customer service at:

• Globe: (02) 7-753-5711
• Smart/PLDT: (02) 8-424-6611

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

Credit cards can be delivered from Monday to Saturday and on holidays.

We can try to deliver it up to three times. If delivery is still unsuccessful, you may get in touch with customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to request for redelivery.

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

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

Yes, you can already use your Home Credit Card via the My Home Credit app as you wait for the physical card. You can start buying prepaid load at 5% discount, have QR or cashless transactions at our partner merchants, and even pay your utility bills at over 200 billers at no additional fees.

There are two ways to activate your credit card:

1. 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
2. For iPhone users, please call our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

In both instances, make sure that you have your physical card with you and the mobile number you provided during card application. Once card is activated, you will receive an SMS from Home Credit to inform you that your card has been activated.

There is a maximum of 3 attempts only at entering the last 4 digits of the card. If you have reached this, you have to contact our customer service hotline Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 for assistance.

Please contact our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to update your mobile number.

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

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

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

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.

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.

Please contact our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 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.

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.

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

You may go back and just create a new PIN.

You can change your PIN in the "Manage Card" option in your My Home Credit App. For iPhone users, you can call our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to help you set up a new PIN.

Entering the OTP sent via SMS through your mobile number has a maximum of 3 attempts only. Kindly wait five (5) minutes, before trying to request for your OTP again.

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.

Yes, there is a minimal monthly membership fee depending on your product package. The applicable amount will not be charged until your first transaction. For the updated table of fees and charges, you may refer to your Monthly Billing Statement.

Make sure that the merchant accepts Visa credit card as a 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 of purchase attempt

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 of purchase attempt

Declined transactions may be due to various reasons:

• 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.

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 Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

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

You may get in touch with our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 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 Php 250 which will be charged on your next billing statement.

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.

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.

Yes, the new 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 at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

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

Yes, you need to notify our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 at least 2 months before the card expires.

You may get in touch with our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to request for redelivery.

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.

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 Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to check if you have the right email address on our record or if there is a need to update it.

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.

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 or your credit limit may be decreased.

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".

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

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

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

To check the updated table of fees and charges, you may refer to your Monthly Billing Statement.

If you are not able to pay at least the Minimum Amount Due on your Payment Due Date, a Late Payment Fee of PHP 500 or equivalent to the value of the unpaid minimum amount due, whichever is lower, is charged. Please make sure to monitor your due dates and maintain a good payment history.

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

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

Yes, you can pay through our website or via My Home Credit App.
You may also pay online using these channels:

• Bayad Center Online
• BDO Online Banking
• Coins.ph
• GCash
• Paymaya
• RCBC Online Banking

• 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.

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

Your available credit limit will be adjusted as soon as your payment is posted to your account. You can check your available credit limit anytime via the My Home Credit App.

You may get in touch with our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611. Please prepare the following information:

• 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

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

You may temporarily block your card via the My Home Credit App or call customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 so we can block your card. Upon receiving your report, we will also arrange for a card replacement so you can have a new card with a new number.

Yes, you can monitor all your transactions and payments via the My Home Credit App or the SMS notification sent by Home Credit.

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

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.

Yes, it will be blocked after three failed attempts.

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

Your ATM transaction will be declined if there is not enough cash withdrawal limit or the ATM does not support VISA transactions.

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

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

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

You can withdraw any amount within your cash withdrawal limit. Just remember that there is a fee for every withdrawal made.

No, the maximum cash withdrawal depends on 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.

Yes, cash withdrawal is allowed as long as at least the Minimum Amount Due (MAD) in your last billing statement is settled and there are no past dues.

You can earn rebates when you participate in campaigns and promos related to the use of the card. Eligibility, percentage, and amount of rebate may vary depending on the approved campaign mechanics. For more info, you can refer to the Credit Card Rebate (CCR) Terms and Conditions at https://homecredit.ph/files/Home-Credit-Card-Rebate-Termsand-Conditions.pdf

Rebates earned are automatically credited to your account. There is no need to call the Customer Service hotline to claim your rebates. You will see the amount of rebates on the My Home Credit App or on your next eSOA.

No, earned rebates are not convertible to cash.

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.

Converting to an installment plan helps you budget your spending every month. You get to pay your transaction in equal payments at a lower interest rate.

No, cash advance cannot be converted to installment.

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).

Step 1: Go to your Credit Card Dashboard in the Home Credit app to view which transactions are eligible for conversion to installment.

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.

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.

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

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.

A one-time Conversion Fee of P100 for transactions amounting to P2,000 - 7,000 and P250 for transactions amounting to P7,001 and up will be charged to your Home Credit Card for each installment application that is approved.

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.

You may apply as many as possible, but each one is subject for approval.

All successful conversions will be shown on the next e-statement cycle sent to your registered email address. You can also check it via the My Home Credit app.

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.

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

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

You will need the following information 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.

Moreover, you may be asked to input the 6-digit one-time password (OTP) that will be sent to you via text or via email depending on your chosen method. For your safety, we would like to remind you not to share any of these details with anyone.

The SMS is sent to the mobile number registered to your Home Credit account. You may get in touch with our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 if you need to update your mobile number.

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

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

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

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

Yes, you can make the following credit card transactions on the My Home Credit app:

• Buy prepaid mobile load or prepaid utility service at 5% discount
• Pay utility bills at over 200 billers nationwide with no additional fees
• Pay at partner merchants using the QR scanner

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)

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

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.

It covers unauthorized transactions that are made 12 hours prior to the cardholder’s reporting of a lost or stolen card. Cardholder must have reported the incident to our customer service via our hotline numbers at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611.

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

The Card Protection Fee is Php 75 per month.

Card Protection is voluntary or automatic, depending on your product package.

The Card Protection fee is charged to the cardholder’s HC Card number on a monthly basis.

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.

You can call our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611. They will guide you on the next steps.

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.

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.

No, the availed protection coverage is NOT transferable.

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

Membership and card protection fees may be a condition for the continued use of the credit card. The applicable amount will be charged monthly after your first transaction.

Home Credit regularly checks your credit card payment history. Select cardholders get a chance to have their credit limit increased if they have a good credit standing and payment history.

Currently, the credit limit increase is highly dependent on your usage and payment behavior. With that, we highly encourage you to:

• 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.

The credit limit decrease is based on your usage and payment behavior. History of at least one (1) delayed payment can trigger the decrease in your credit limit.

Yes, you may get in touch with our customer service at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to request for a lower credit limit.

We encourage you to pay at least the Minimum Amount Due on or before the due date.

You may pay as early as four (4) days before your due date. Posting of payment usually takes 24-48 hours in the system. The payment date will be based on the actual date of payment.

Credit limit increase or decrease will be reflected on the next billing cycle.

You may temporarily block your card in the My Home Credit App or call our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to report the incident. We request you to fill out a dispute form, which can be found here, and submit the necessary requirements so we can review the report. Home Credit will also arrange for a card replacement so you can have a new card with a new number.

Please call our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 immediately. We request you to fill out a dispute form which can be found here and submit the necessary requirements so we can investigate the transaction.

Please get in touch with our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to report the incident.

You may get in touch with our customer service hotline at Globe: (02) 7-753-5711 or Smart/PLDT: (02) 8-424-6611 to request for card cancellation.