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Home Credit · Visa · Classic

Aling Puring

Why pick it: Up to 45 days no interest, ₱100k credit limit

Home Credit x Puregold card for sari-sari store owners: 1 point per ₱200, double at Puregold, ₱200 monthly fee with protection insurance.

Score
23 /100
Status
Limited eligibility
Annual fee
₱2,400
#116 of all 170 scored cardsThin data

Thin data: some figures on this card are less certain than usual; the bank does not publish the income requirement. Check with the bank before you apply.

SKIP ITHonest take

₱200 a month ang membership fee, at 1 point per ₱200 lang ang earn.

Bottom line: Hindi para sa'yo ito kung hindi ka part ng Aling Puring community, ayon sa data. Kung part ka at Puregold ang karamihan ng gastos mo, may sense lang ito kung sulit sa'yo ang protection na kasama sa ₱200 at wala kang mas murang card na pagpipilian.

Read the full take: the math, what's good, what hurts

Para sa typical household (~₱825k a year), may rewards na ~₱3,500 at travel value na ~-₱1,000 dahil sa foreign fee (2.50%), galing sa data. Membership fee: ₱200 a month, o ₱2,400 a year. Ayon sa data, puwedeng hilingin ang waiver; hindi ito binabanggit ng press release, at ang bank ang magpapasya. Hindi kasama sa ranking ng open cards, kasi limited ang pwedeng mag-apply, galing sa data. Sa lahat ng cards, #116 ang posisyon nito sa 170, at 23 ang score.

The numbers in this take are our estimates for a typical household, not bank policy. Check fees and waivers with the bank.

What's good

  • 5% rebate up to ₱500 in the first 30 days after activation.
  • Double points sa Puregold: 1 point per ₱200 sa card, plus 1 extra point sa TNAP card.
  • Credit limit up to ₱100,000 at up to 45 days interest-free. Kasama sa membership ang card protection, hospital cash benefit at telemedicine.

What's bad

  • Made for the Aling Puring community, and the press release doesn't say if only TNAP members are eligible.
  • Hindi nakasaad sa press release ang point value.

The catch: Press release lang ang nabasa namin, hindi product page, kaya mag-confirm ka sa bank. Hindi nakasaad doon ang points expiry, foreign fee at income requirement.

Rechecked on the bank page on 2026-10-24. Not on the page: annual fee as such (page shows a ₱200 monthly membership fee); fee waiver; foreign fee; minimum income; point value; points expiry; ₱20,000 lower credit limit. Our opinion, based on published terms. Not financial advice. The bank decides approval.

The take above is written for a typical household spending about ₱825,500 a year. Get your own score in 60 seconds.

Yearly value for a typical household:
about ₱2,500 in rewards (₱3,500) and travel value (−₱1,000), before the ₱2,400 annual fee (on request; the bank decides)
To qualify:
Not published; For Puregold Tindahan ni Aling Puring (TNAP) members (limited eligibility)
Bank service:
Not enough cardholder reports to judge.

First year

Welcome offer:
New cardholders: 5% rebate (up to ₱500) on purchases in the first 30 days after activation. (no end date stated)

Bank details as of Oct 23, 2026. Offers change; confirm on the bank's page before you apply. None of this changes the card's score.

Score breakdown, fees, rewards and perks

Score breakdown

  • Yearly value9 / 63

    These bars compare each part with other cards on its own, so they don't add up to Yearly value. How it is scored

    • Rewards on the default spend8 / 37

      About ₱3,500 a year in rewards on the typical household's spend, after caps and the foreign fee on foreign online spend. How the bars work

    • Annual fee after waivers4 / 16

      A ₱2,400 fee that the bank may waive on request. How the bars work

    • Travel and perks on the default spend1 / 10

      About −₱1,000 of travel value on one trip abroad a year, after the 2.50% foreign fee. How the bars work

  • Promos and 0% installments4 / 15

    0% installment network: fair. Promos: weak, judged by what a typical household would likely save from the promos this card gets, past and current, with 7 live promos tracked. How it is scored

  • Points flexibility4 / 10

    Bank points with no airline partner that expire. It counts for less here because the card earns little back on this spend. How it is scored

  • Credit limit and upgrade path2 / 5

    Classic card level, plus how Home Credit handles credit limit increases and card upgrades. How it is scored

  • App and service4 / 5

    Banking app: strong. Service: not enough cardholder reports to judge. How it is scored

  • Late fee1 / 2

    A late fee of ₱750 for one missed payment, or the unpaid minimum due if that is lower. How it is scored

On the default spend: about ₱3,500 a year in rewards and −₱1,000 in travel value.

Score over time

Total score and tier on each data date, on the default spend.

methodmethodmethodmethod39 DOct 2439 DOct 2624 COct 2724 CNov 224 CNov 424 CNov 924 CNov 1023 CNov 11
  • Between Oct 24 and Oct 26 the scoring method changed (2 changes), so part of that move is the method, not the card.
  • Between Oct 26 and Oct 27 the scoring method changed (10 changes), so part of that move is the method, not the card.
  • Between Nov 2 and Nov 4 the scoring method changed (a card with a higher income minimum for first-time applicants is no longer left out), so part of that move is the method, not the card.
  • Between Nov 10 and Nov 11 the scoring method changed (3 changes), so part of that move is the method, not the card.
  • Method changes

Fees and who can apply

Annual fee
₱2,400
Supplementary fee
₱0
Fee waiver
On request; the bank decides
Foreign transaction fee
2.50%
Minimum income
Not published
Also needs
For Puregold Tindahan ni Aling Puring (TNAP) members

Rewards

For Puregold Tindahan ni Aling Puring members. 1 point per ₱200 of card spend, plus 1 point on the TNAP card at Puregold. Credit limit ₱20,000 to ₱100,000, with up to 45 days interest-free.

Type
Points
Points expiry
18

Travel perks

International lounge visits
None
Local lounge
None
Travel insurance
None

Watch out for

  • Some details could not be verified

Live and upcoming promos (7)

As of Nov 11, 2026. Check each promo's source before you rely on it.

Show 2 more

What cardholders say (0)

Individual accounts, read by us before they appear but not checked with the bank. They never change this card's score.

No cardholder posts yet.

Official Home Credit card page ↗