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Home Credit Card

by Home Credit Philippines

Visa networkCashback card

Quick take

Main benefit

Cash back. You earn money back on what you spend — no points to convert.

Main catch

Interest is steep if you don't pay in full — about 3.00% a month.

Income needed

Check bank terms The bank does the final check.

Annual fee

₱2,400/yr

Apply on Home Credit PhilippinesCompare

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Is this card for you?

Good fit if
  • You want a first credit card from a bank people recognize.
  • You want simple rewards without tracking categories.
  • You pay your balance in full each month to avoid interest.
Look elsewhere if
  • You'd rather earn travel points or airline miles.
  • You expect to carry a balance from month to month.
  • You want the highest rewards rate on the market.

The numbers

Earn rateStill being checked with the bank
Annual fee₱2,400/yr
Interest if unpaid3.00% / month
Late payment fee₱750
Foreign currency markup2.50%
›More fees and details
Cash advance fee₱200
Fee waiverMonthly minimum spend of Php 15,000 waives the Php 200 monthly membership fee for that billing cycle

The catch

  • Interest is steep if you don't pay in full — about 3.00% a month.

Ready to decide?

Apply on Home Credit PhilippinesCompare similar cards

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

You'll finish on Home Credit Philippines's official site. Truva doesn't collect your application or see your details.
›What you'll need before you start
  • One valid government ID— passport, driver's license, UMID, or PhilSys.
  • Proof of income — a recent payslip, your latest ITR, or a COE with salary.
  • Proof of billing address — a utility bill or a bank statement.
  • 10–15 minutes to fill out Home Credit Philippines's application form.
From Home Credit Philippines's official page · Checked Jun 3, 2026

Truva may earn a fee if you apply through a partner link. This does not change your terms or our picks. Banks make the final approval decision.

Apply on Home Credit PhilippinesCompare