
Make worthwhile purchases with the Home Credit Visa Card!
Make everyday purchases rewarding with the Home Credit Card.
Enjoy secure payments, interest-free up to 45 days, with
VISA-accepting merchants worldwide. Avail your Home Credit
Card now!
Mas rewarding na ang everyday purchases mo with your Home Credit
Card!
Contactless Transactions
Shop online or via QR to enjoy hassle-free transactions in a few
taps.
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Up to 45 Days Interest-Free
Get more time to pay: 30-day billing period plus 15-day extension
before the payment due date.
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Secure Transactions
Your Home Credit Card comes with security features such as the EMV
chip, PIN verification, and SMS alerts.
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Card Protection & Insurance
Be worry-free in case your card gets lost. Block your card easily
to avoid unauthorized transactions.
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Exclusive Deals & Promos
Make the most of your Home Credit Card perks. Enjoy savings and
other deals!
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No additional fees for bills payment!
Enjoy zero fees when you pay your bills using the Home Credit App.
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Learn More About Home Credit Card
Credit Card Tutorials
Learn how to maximize the full potential of your card by clicking
our videos or infographics below.
How to pay in store
How to pay in store
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How to pay in store
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How to pay online using your Home Credit Card
How to pay online using your Home Credit Card
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How to pay online using your Home Credit Card
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How to pay your utility bills online with Home Credit Card
How to pay for your groceries with Home Credit Card
How to pay for your groceries with Home Credit Card
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How to change your PIN
How to change your PIN
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How to change your PIN
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How to check real-time transactions
How to check real-time transactions
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How to check real-time transactions
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How to temporary block your card
How to temporary block your card
Watch Video
How to temporary block your card
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How to pay for your Home Credit Card bill
How to pay for your Home Credit Card bill
Watch Video
How to pay for your Home Credit Card bill
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Find the answers to your questions about our Credit Card product
Frequently Asked Questions for Credit Card
Who is 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 of a Commodity Loan, you can also get a Home
Credit Card offer. Note: Applications are subject to approval Just
visit our partner store and present two valid IDs to our Sales
Associate: • 1 Government-issued ID • 1 ID with your address
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Can I opt out to the new interest rate?
No, the new interest rate will apply to all current and new credit
card holders
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I have an existing installment Plan on my credit card. Will the
new interest rate affect it?
No, existing Installment Plan in your credit card will remain the
same
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How can I afford big purchases without installment plans?
You can afford big purchases by using your Home Credit Card. Low
Interest Rate The new 3% monthly interest rate is lower than
previous installment plan offers. This means any interest charged
on the unpaid balance is much more affordable. Payment Flexibility
You have control and flexibility on how much to pay every month as
long as it is not lower than the Minimum Amount Due, which is 7%
of your unpaid balance or P700 whichever is higher. When you make
a big purchase, you can set a goal on how much you will pay off
every month depending on what you can afford. The unpaid balance
is charged a low 1% monthly.
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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. 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
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What is Membership Fee and when is it being charged?
It is the amount where in Home Credit Philippines charges the
cardholder for the right to use its credit card and acquire access
to other membership benefits. Once the credit card has been
activated, the card holder will be charged with a monthly
membership fee on the initial transaction. If the card is already
activated, as long as it has not been used in any transaction, it
will not be charged with the monthly membership fee. To see the
monthly membership fee amount and other fees you may refer to your
monthly SOA.
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How can I compute for the interest amount?
The formula to compute for the interest amount is Unpaid Balance x
(Interest Rate / 30 days) x No. of Days Past Due. Note that the
Unpaid Balance excludes card fees, new purchases, and other
charges that are not subject to interest. See sample computation
below:Grocery shopping: P10,000Paid: P5,500 Unpaid balance:
P4,500 P4,500 x (3% / 30 days) x 21 = P63 interest
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Why was my credit limit reduced and can I have my limit back?
We have reduced your credit limit to help you manage your account.
But don’t worry, we regularly evaluate your card usage and payment
behavior and you will received a notification if your credit limit
is back/increase.
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How much is the interest rate?
The interest rate is 3%.
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