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. 1 Government-issued ID
2. 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:

• 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

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

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

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

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.

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, and some other details.

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.

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.

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.

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.

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.

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.

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.

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

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

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.

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

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.

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, 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.

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

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

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.

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.

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.

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.

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

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.

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.

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

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.

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 online using these channels:

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

• 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

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

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.

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

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

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.

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

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

Please 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, interest will only be charged starting on the day the withdrawal was made, if it was not fully paid.

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.

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.

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

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

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.

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

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

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

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

There is no limit to redeem your earned rebates.

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

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.

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

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.

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

No, cash withdrawal limit cannot be converted to installment.

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.

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

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.

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.

There is no limit for 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.

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.

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.

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.

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.

Please contact our customer service at (02) 7753-5711 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 wait for 10 minutes and try again.

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

You may go back and just create a new PIN.

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

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

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

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.

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.

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

The Card Protection Fee is Php 75 per month.

You can call our customer service and 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.

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

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

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

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

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.

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.

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