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Home Credit now issues credit cards




Home Credit Philippines has announced that it will now start issuing credit cards.

This is to give their customers more options and convenience. Recently, the consumer finance provider has been officially granted by the Bangko Sentral ng Pilipinas (BSP) a certificate of authority to issue credit cards. The company touts to be the first non-bank financial institution to have a credit card certification by the BSP.

Applying for the said credit card is similar to the application process of the company’s consumer loans. The Home Credit credit card features a loyalty program that entitles the holder to earn cash back for transactions and get freebies and discounts from partner merchants. On top of that, the card also offers 0% interest installment and can also convert straight transactions to installment plans at low-interest rates. For security, features such as EMV Chip, PIN notifications, 3D Secure, and SMS notifications are included.

Home Credit has started rolling out their credit card to its customer base and is expected to have more clients this year.

 



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93 Responses

  1. Creditcardngbayan says:

    Ambilis ng growth ng home credit. Baka next year may insurance, kotse, pabahay at business loan na din sila.

    Magiging pambansang utangan na sila ng pilipinas yoohoo!

  2. m says:

    Home Credit puts a big interest on items =)

    there was this 5000 phone, and i asked how much if i do installment on it via Home Credit… it ended up with a total payment of 7000 =P (i did not bought the phone, i just wanted to know how much interest home credit puts on item/s)

    Since installment would be 0%, i guess their old “installment scheme” would be applied on “straight to installment” =)

  3. Ren says:

    First non bank financial institution – no visa / mastercard logo. Meaning, hindi sya pwede internationally?

  4. J says:

    Hi yung 0% interest namin ay sa piling items lang mostly siya 9k pataas na gadgets. Sa mga appliances more on last payment waving promo and pwede naman kayo magtanong sa store kung anung promo ang nakaavail sa item na gusto niyo. Yung tinutukoy mo na 5k phone ay kabilang sa standard loan. Thank you!

    • Lhey says:

      Akala q po ba kahit saan basta may logo ng visa magagamit sya? Bakit Sabi ng ISA dito d nya magamit sa sm at abenson?

    • Jasmine says:

      hi pwede ba sya gamitin pang bayad ng bills like meralco and other utilities?

  5. Jester says:

    Npaka angas tlg ni home credit. D best

  6. HC customer says:

    4x na ako kumuha ng gadget at appliances sa Home Credit and all with 0% interest from Abenson and Automatic. Kaya di ako naniniwala sa sinasabi nung nasa taas. Baka hindi marunong magtanong.

    • Carlo says:

      Hello po may tanong lang po ako sa credit card meron po kc nkalagay doon sa charges na 5000 sa lawyer e deduct ba yon sa amount sa card? tnx

  7. Aeris says:

    Kumuha din po kami last September ng Huawei phone worth 15k, nagdown ng 5k and ung 10k na balance naging 2133/month for 6months. Nasa 2700 ung interest. May mga items cguro na available for 0% interest at meron ding hindi.

  8. rodolfo duca says:

    maganda sana ito kaso ang laki ng tubo pag nag cash loan ka ..dapt bwasan din ang tubo nila para mas maganda at pra mas marami ang kukuha dito..ng cash loan

  9. Jfox says:

    I am very disappointed with Home Credit. I called the hotline to activate my Early Full Payment and was advised to make a payment before the due date so nagbayad naman ako before the due date. So ano ginawa nila? Ginawa nila as regular payment. I called multiple times about my concerns and until now di pa sya naresolved. Lagi sabi may tatawag daw from RIGHT DEPT within 24 hrs. Tangina! 1 week na wala pang tawag. Ang daming rason wala namang solution! I won’t apply to their loan anymore! Puta! On time ako nagbabayad eto pa ginawa nila sa akin! Please wag na kayo magbalak mag HOME CREDIT!!!!!

  10. Dolly says:

    Tanung: yun home credit card po ba . Items lang pwede kunin. Wala ba kasama cash sa limit na 25000. At yun payments nun.kagaya din ba ng monthly binabayaran .or 1time payment pag naubos mo yun 25000 limit. Thanks .approved kc ako ng home credit card . ..

    • JJ says:

      Puede po kayo mag withdraw ng Cash; yung cash advance is half po sa available credit limit niyo. :)

  11. paanu po makakapag apply ng credit card salamt

    • Jasmine says:

      Hindi ikaw and mag apply. They will call or text you if you are eligible to get a CC. So if wala kang referral hndi ka pwede mag apply. Mostly and nkakakuha eh ung my good credit standing sknila, good payer sa mga loans na nakuha from them.

    • Gusto ko mag-aplay NG home credit card, paano po? Tnx

  12. Noreen says:

    Hi! I have a home credit credit card since December 2018. It has 45k credit limit with available 20k cash advance.

    Pros:
    * easy approval (btw, I received an offer from the Home Credit)
    * with high credit limit
    * fast delivery
    * visa type (it can be use abroad as they say)
    * always informing you thru SMS everytime there is a transaction from your card

    cons:
    * can’t avail the 0% interest when shopping and buying groceries etc.
    * can’t be used in other superstore like Lander’s and S&R
    * straight payment when you avail cash advance
    * high interest rate compared with other banks
    * merchants/partner store is not yet established (as per agents)

    Still, like any other credit cards, just use this card wisely and appropriately to avoid having a huge debts in the end.

    • JJ says:

      Sir, In the future Home Credit will expand retailer Merchants, and there will be a lot of options for 0% interest transactions :)

    • Lhey says:

      So kamusta na man po yung experience nyo sa Pag gamit ng home credit cards? Hindi n man po ba sya naging hassle sa Inyo everytime na ginagamit sya? And true po ba na sa lahat ng may visa logo eh tinatanggap sya? Approve din po KC aq sa 45k credit limit Pero d q pa sya nagagamit eh…

    • MJ says:

      Pwede ba ito gamitin sa mga hotel payments?

    • Joanna says:

      Hello po! Approved H=din po ako sa credit card ng home credit. Hindi ko pa din po sya nagagamit. Incase po gamitin sya sa grocery,magkano ang interest nito?

    • Joyce says:

      Hi miss noreen! HC’s offering me a CC with 50k credit limit, I am hesitant to get the offer upon reading your comment. What I wanted sana po, is a card to use for any transactions. But I have the fear na parang useless din sya, if ever na magtransact ako uli sa kanila baka normal gadget loan na lang uli. But then, I’m thinking there’s no harm done if I’ll try. Any suggestions ma’am? Thank you.

    • Noreen says:

      Hi Joyce,

      Apologies for the late response. Anyway, just for the experience, you can use your card for groceries but I think it’s better to pay in cash rather than using the HC credit card because you have to pay straight or else, you’ll be dead..lol BUT, they are offering an installment basis naman BUT don’t be surprise na when it rocketed to the highest level of interest..

      In terms of cash advance, I used it twice..hehe and the interest really pissed me off kaso walang ibang choice kasi pera yun e.. So, ayun nga, when you withdraw cash, there is a fixed amount of Php400.00 for the transaction fee. Aside from the Php400.00, there is interest to pay: from the day of your CUTOFF date up to the date when you pay your cash advance.. (i.e. your cutoff date is 17th of the month and your DUE DATE is on 3rd of next month, and then you cash advance on 4th of the month, then you pay your cash advance on 28th before the due date. STILL, EVEN IF YOU PAY ON TIME BEFORE THE DUE DATE ENDS, THERE’S ALREADY AN INTEREST ON TOP. Their computation for the hidden interest is from the CUTOFF date up to the day that you have paid your cash advance. Kahit pa hindi pa dumadating yung due date at nagbayad ka na, may interest parin dahil ang explanation nila “lagpas na ng cutoff date” and that is so so weird. Hindi ka pa lagpas ng DUE DATE may interest na. How much more kung lumagpas ka pa? Mind blowing, isn’t it?

      Ang bottom line lang nun is, BEFORE CUTOFF DATE DAPAT BAYAD KA NA SA CASH ADVANCE KAHIT NA HINDI PA DUE DATE because of the interest. At paglumagpas ka ng due date, mas masakit siguro ang magiging interest noon. Kaya never to cash advance with that goddamn card.. lakas makademonyo ng CA offer nila pero dedemonyohin ka rin ng agent kakatawag kahit na 1 week before pa due date mo..haha

      Now, it’s up to you when will you use that card. For me, Home Credit is only advisable for gadget loans with 0% interest than use its credit card offer because of those hidden charges. We don’t like hidden charges, diba?

      So ayun, if emergency case na, and no choice ka na talaga kundi yung HC Credit Card, baka sakaling makatulong kung gagamitin..:)

      PS. Just keep your card on your wallet just in case. :))

    • mher cadz says:

      Noreen,

      Bago lang ako sa HC at karrating lang ng card ko. Available credit limit ko ngayon ay 10k nalang dahil nagamit sa pag purchase ng cellphone yung 6,990. Kaso, cash advance limit ko ay zero pa rin. Bat ganun? Kelan magkakalaman yung cash advance limit ko?

  13. Dolly says:

    Good day. Activated na home credit card ko. 25000 limit. Dku pa magamit . I understand12500 lang pwede ma cash advance .at 1time 1time payment lang yun. Ang tanung ko. San pwede machine mag withdraw kc nagtry ako sa bank wirh Visa logo. Di daw ma recognized transaction . No 2 tanung sa sm grocery store ba pwede credit card at aplicable na for installemnt yun items na kukunin ko.pls need your response para ma gamit ko na card ko . Specially yun san machine pwede yun cash adv. Thanks

    • Noreen says:

      Hi! Have you created your PIN thru customer hotline? If yes, there should be a no problem.

      The first time I tried to use my hc credit card is at Lander Superstore. Ayaw niya gumana sa terminal ng Landers pero yung ibang credit cards walang problema. Nakakahiya lang dahil umabot pa ako sa point na pinakausap ko sa customer service agent yung OIC ng Landers just to prove na may error yung card or ayaw talaga gumana. Gusto ko na nga rin isoli yung card kasi useless lang siya sa totoo lang lalo na kung may ibang cc option ka naman.

      Anyway, good thing after a week, nag test ako kung pwede siya sa cash advance, Eastwest bank yung ATM, ayun. Gumana naman.

      I also used it at SM Supermarket and Department Store. It also works. Yun nga lang, straight payment always.

      After that, I never try to use it again. Bukod sa cash advance fee na 400 pesos, kahit due date mo palang to pay your cash advance on time, may interest on top of the amount na agad.. Hindi siya nakakatulong honestly. But maybe if emergency cases, baka sakali makatulong.

    • Danica Adiong says:

      How do you withdraw money from your HC credit card?

  14. Gnash says:

    Iba po price pg cash at pg home credit… may interest po ang home credit.. ksma na sya sa computation monthly.

    • Luzias says:

      Pde po bang gmitin mag grocery sa waltermart, sm o rob? Ntatakot kc aq bka ma decline. May nka expernce na kci na decline dw. Kkahiya nmn. Activated npo itong cc q last month pa pro hndi q pa ginamit.

  15. Rolando A. Domingo says:

    how to apply this HC credit card? Please advise. Thanks

  16. Ricky says:

    yung home credit card ko ayaw tanggapin sa SM, Robinson at abenson.

  17. Margie says:

    How to apply HC card ? Thanks

  18. Victor says:

    Madalas declined ang aking Home Credit credit for reasons i don’t know. Siguro hindi pa kaya ng system nila ang credit card business. Buti na lang may iba pa akong card. Sometimes cash na lang binabayad ko, or else nakakahiya. Very embarrasing lalo na’t napapatingin mga tao. I have 3 other credit cards and never kong maranasan ang ma-decline. To the management, please look into this problem. Ang alam ko, VISA and MASTERCARD never goes offline.

  19. Nellju says:

    Hi ask ko lng sino na nakapag cash advance sa hc card?san bank at ilang months installments ng 20k?tnx sa sasagot.

  20. Tin says:

    ilan days po bago kailangan mabayaran ang nagamit sa credit card? may interest po ba yun? thanks

  21. Noreen says:

    For cash advance, it’s only a one-time payment.. NO INSTALLMENT FOR CASH ADVANCE.. and the interest, daily from the date of Cash Advance transaction or 700 per month whichever is higher. I advice not to cash advance with home credit card.. :)

    • nemrod mondez says:

      so kaylangan po ba babayaran agad2 within a month kunwari nagcash advance ka ng 10k so within a month dpat mabayaran mo yan ng 10k?

  22. Joe says:

    Paano po mag-cash advance sa atm? Withdrawal from savings? or Withdrawal from credit card?
    salamat po.

  23. Ibeee says:

    Hi. Share ko lang upon my experience sa pag gamit ng cc ni home credit ok naman sya nagamit ko sya sa puregold at savemore pang groceries yun nga straight payment pero once nman mag purchase k ng worth 3k and above pede mo nman sya i enrolled ng installment once n ma post sa app ng homecredit ung pinurchase mo call klang sa hotline nila…

    • Joanna says:

      Hello ko. Kakadating lang po ng Card ko ng Home Credit. Naactivate ko din naman sya. Pag May interest po ba pag sa grocery sya gagamitin? Salamat po sa sasagot!

    • Gwen says:

      Ttwag po ba agad pag gusto mong installment sa groceries

  24. Joe says:

    Magkano po interest sa cash advance?
    Salamat po sa sasagot.

  25. Nathan says:

    Just got my hcc activated and pin. Q: pwed ba to gamitin sa grocery at gas stations? Wala ba aberya?

  26. Myr says:

    Hindi Pala sya pwede sa instalment na zero interest.. and kailangan pang ihingi ng permiso say hotline Kung kukuha ng instalment? So para saan pa Yung monthly na kailangang bayaran na P125. My bayad na monthly sa card, tapos MINIMUN of 3k nantubo pg nag INSTALMENT!

  27. merly lubis says:

    gud morning po,kc po activated n ung credit card ko ang concern ko po d ko nlgyan ng pin # dp po b pwede gmitin un ,at pno ko po mllgyan ng pin #,

    • Myr says:

      Pwd naman n po gamitin khit Wala pang pin, di Lang pwede mag cash advance Kasi Yung pin kailangang para mka pag withdraw.. pwede tumawag say hotline para maiset until pin

  28. Kristine Santillan says:

    Hi mam di ko mgamit ung home credit card ko s mercury nka 2 transaction n aq s robinsons supermarket weeks ago bkit ngdedecline xa ngayun s mercury

  29. khamel says:

    hello po ask ko lang po if pwede sya magamit as existing credit card to apply another credit card sa ibang bank?

  30. Jeck says:

    wala ba ibang process ng pag activate ng card. hirap kasi tawagan kasi wala naman kami landline. wala ba sila online register?

  31. nemrod mondez says:

    so kaylangan po ba babayaran agad2 within a month kunwari nagcash advance ka ng 10k so within a month dpat mabayaran mo yan ng 10k?

  32. Grethel says:

    Question po..if nakapurchase ka for example ng above 3k in sm department store..need mo ba tumwag sa hotline if nasa counter ka na?

    • Ibee says:

      No need n po tumawag sa hotline nila, straight payment po talaga then sa app nila sa celpon mo antayin once n ma post n po iyon dun sa app pwede kna tumawag s hotline nila for installment.. ganun lang lagi ginagawa ko… Ok nman sya para sken ahh

    • Ibee says:

      After 24 hrs. Ma popost n yun s app so the next day yun saka ako tumatawag para sa installment plan

  33. Shayne Lagera says:

    Hi saan po bank pwd mag withdraw ng 25,000 for 1 transaction only? Salamat po

    • magz says:

      mam ibee musta naman po ang interest rate nila? hnd naman po ba mabigat? thanks po balak ko po kase sana gamitin sa appliance.. thanks

  34. Ibee says:

    Hi share ko lang din experience ko sa pag gamit ng cc ni home credit, always straight payment sya pagdating sa counter, no need ng tumawag sa hotline nila pag mag pupurchase kau, sa netflix din pala yan ginamit ko pambayad monthly…. if gustu nyu installment once n ma post sa app ung pinurchase nyu pwede n kau mag call s hotline nila for installment nagamit ko na sya sa shoe salon trinoma, puregold at savemore pang grocery wala nman ako naging problem sa pag swipe… After 24hrs sya ma popost s app kaya the next day ako tumatawag para s installment .. and everytime mo syang gagamitin magttxt sau home credit notifs na ginamit ang iyong cc.

  35. Rmags says:

    If ever nag swipe ka then want ko sya convert into installment, subject for approval pa po ba? Pag ganun kase nakakatakot since within a month dat mabayaran pag di installment.

  36. MJ says:

    Hi po pwede po ba mkakuha credit card kahit may existing cash loan pa? Thankyou

    • Rednave says:

      Yes, meron akong CC ni Home Credit with 50K credit limit even though meron akong existing Loan sa kanila na mag dudue 5 days following the month of the CC application.

  37. Jhenny Anne Vagilidad Catipon says:

    Ilan po ba ang pincode number credit card ng home credit. Nakalimutan ko po kasi ang pincode ko. Pahelp po.

    • magz says:

      mam ibee musta naman po ang interest rate nila? hnd naman po ba mabigat? thanks po balak ko po kase sana gamitin sa appliance.. thanks

  38. mike jonathan ching says:

    hi paano po mag apply ng credit card. good payer nmn ako sa home credit kaka full payment ko lang po nakuha ko na cp po. pwede na po kaya akong mag apply ng credit card.

    • Jasmine says:

      NO. Hndi ka po pwede mag apply na wala kang referral from HC. Ttawagan ka nila email or text if eligible ka then magbibigay sila instructions to apply. As far as I know, hndi ka maapproved pag walang referral from them

  39. Tron says:

    Nagamit ko na CC ko sa supermarket, SM at online payment ng meralco. Naka withdraw din ako jg cash. Sa pagbili gamit ang card wala interest basta bayaran within 45 days. Sa cash na nawithdraw sa atm at may 400 pesos na charge kung 10,000 pababa (fixed 400 kahit 100 lang withdraw mo) at 4% interest kung lampas ng 10k. Kada gamit mo ng card may text message ka agad matatanggap halos wala pa 5 mins may text na. Pag nagbayad ka sa 7/11 o cebuana may text message din agad kaya kita mo agad napost ang payment mo. May cashback pa kaya halos nababalewala din yung monthly membership fee kadi gaya ko lampas na yung cashback ko kesa sa fee.

  40. Ronalyn says:

    How to apply po?

  41. Jasmin pura retardo says:

    How to apply po …im interested with home credit card

  42. Gwen says:

    So far nmn po ok nmn saken yung HC cC ko… Puregold mdalas ko siang gmitin…pra po di kau mdecline ask nio po kung anung pedeng terminal yan
    Kgya po saken BDO lang po sia pede… Ngtry po ako sa super8 ndecline kc terminal nila metrobank and bpi…
    Sa watson nggmit ko sia…
    Cash advance ok nmn po…

    Updated nmn po ako plge sa payments kya wala pong nangungulit…
    Wala nmn po siang interest pgdating sa groceries ewan ko lang if installment ko…

  43. Teresita Laxmana says:

    Hello po. Yung PIN po ba sa HC card ay same lang sa PIN ng HC App? Thanks po

  44. noel says:

    paano mag avail ng credit card sa home credit???

  45. Mark says:

    para sa mga nkakaalam. 1997 pa ang home credit at nagooperate sya in 10 countries. founded to in Czech republic kea malamang sa malamang pwd and cc nla internationally.

  46. april enriquez says:

    pano maka avail home credit card

  47. Joan says:

    Para san ang 125.00 na binabayan monthly?

  48. Shienalyn says:

    actually kme di na nmn ginamit at all. Una palng pinahirapan na kame sa pgkuha ng pin. Nakakailang tawag na kame and load pRa lng twagan ang hotline as in tlgng many times na. Up until sa dulo wla ng nagsslta. Kya pinapatay na namn. May problem daw sa pgkuha ng pin. Kya di na namn pinursue gmitin. Hindi din wise ispend dahil malaki interest.

    • Leira says:

      Maam @Shienalyn, gnun po tlga kpag wla po kayo narinig na nagsalit for 5 seconds. lagay nyo na po ung pin na gusto nyo. tpos po wait po kayo ng 3 secs lagay nyo po ulit ung pin for confirmation po. tpos po after nun meron na po kayo marereceive na txt ng HC na na set nyo na po ung PIN nyo. :)

  49. Jocelyn says:

    Pede bng mag widraw sa any atm gamit ang home credit card sa bdo band or any bank?

  50. Rox says:

    Magkano ba ang interest pag 10k ang cash advance mo sa ATM?using Home credit Card pasagot sa my alam dyan?

  51. Enzo says:

    Just Like any other Credit Cards, if you manage to use it wisely, walang problema. Wala pa naman akong experience using the card and got decline. Make sure to inform the cashier if the POS asks for a PIN wag nilang e-bypass kasi for sure madedecline talaga. Some POS naman di na nanghihingi. for as long as the merchant accepts VISA card then Home Credit will get you covered :) Again, use wisely and just spend within your means….

    • Connie says:

      Need po ba na tumawag sa customer service para ma activate yung credit card or iactivate ko na lang using the home credit App?

  52. vanz says:

    ask ko lang po…panu po mag activate ng home credit card na hindi nman compatible yong unit mu sa app….

  53. Kris says:

    monthly po ba talaga yung pag deduct or pagbayad para sa lost/stolen fees sa home credit card?

  54. Marquee says:

    nag cash loan ako ng 29k pag natapos ko bayaran 55k total grabe nmn sa tubo

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