Visa Gold
Gold
Home Credit · Visa · Gold
Visa Gold
Why pick it: Up to ₱100k limit, ₱0 convenience fee on bills
Home Credit's card for its loan customers: up to ₱100k limit, ₱200 monthly fee waived with ₱15k spend, partner-store 0% installments.
- Score
- 12 /100
- Rank
- #114 of 123
- Annual fee
- ₱2,400
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.
Puwedeng i-waive ang monthly membership fee, pero unclear ang rewards at kung sino ang puwedeng mag-apply.
Bottom line: Hindi malinaw ang rewards at 3% a month ang interest. Kung Home Credit customer ka na, pag-isipan mo; kung hindi, skip.
Read the full take: the math, what's good, what hurts
The membership fee is ₱200 a month for cards issued from September 2021, or ₱2,400 a year. Ayon sa data, itinuturing itong waived sa ₱180,000 a year, pero ₱15,000 a month ang sabi ng page, kaya babayaran mo ang ₱200 sa bawat buwan na kulang ang spend mo. For a typical household (~₱825k a year), rewards value is ~-₱500 kasi hindi binabanggit ng page ang base earn rate, at ang travel value ay ~-₱1,500 pagkatapos ng foreign fee. Kaya nakuha nito ang #114 sa 123 cards, dahil 12 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
- Hanggang ₱100,000 ang credit limit at hanggang 45 days na walang interest.
- ₱0 ang convenience fee sa bills at loads, at hanggang 10% na loyalty points ang nakalagay sa page, redeemable as cashback.
What's bad
- Ayon sa data, galing sa campaigns lang ang 'up to 10%'.
- 3% a month ang interest, 2.50% ang singil sa foreign spend, at ₱750 ang late payment fee para sa cards na na-issue mula August 2023.
The catch: Manipis ang source namin sa card na ito, kaya kumpirmahin sa bank. Mas mababa ang minimum redemption sa page (50 points) kaysa sa 100 points na nasa data. Hindi sinasabi ng page kung sino ang puwedeng mag-apply, ang income requirement, o kung nag-e-expire ang points. Monthly membership fee ang nakalista sa page, hindi annual fee.
Rechecked on the bank page on 2026-10-24. Not on the page: annual fee as such (page shows a ₱200 monthly membership fee); eligibility; minimum income; base earn rate; points expiry (18 months in our data). 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 −₱2,000 in rewards (−₱500) and travel value (−₱1,500), before the ₱2,400 annual fee (waived automatically at ₱180,000 yearly spend)
- To qualify:
- Not published; Usually offered to existing Home Credit loan customers in good standing · Puregold route: Puregold loyalty card plus ₱3k spend or income proof
- Bank service:
- Not enough cardholder reports to judge.
Score breakdown, fees, rewards and perks
Score breakdown
#114 of 123 cards open to new applicants, and #161 of all 170 scored cards once invite-only, closed and limited-eligibility cards are counted too.
- Yearly value1 / 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 spend0 / 37
No rewards on the typical household's spend after the foreign fee on foreign online spend. How the bars work
- Annual fee after waivers16 / 16
The ₱2,400 fee is waived automatically at ₱180,000 of yearly spend, which the typical household reaches. How the bars work
- Travel and perks on the default spend0 / 10
About −₱1,500 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 flexibility0 / 10
No rewards, so nothing to redeem. How it is scored
- Credit limit and upgrade path3 / 5
Gold 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 −₱500 a year in rewards and −₱1,500 in travel value.
Score over time
Total score and tier on each data date, on the default spend.
- 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
- Waived automatically at ₱180,000 yearly spend
- Foreign transaction fee
- 2.50%
- Minimum income
- Not published
- Also needs
- Usually offered to existing Home Credit loan customers in good standing · Puregold route: Puregold loyalty card plus ₱3k spend or income proof
Rewards
Loyalty points worth ₱1 each from Partners' Network campaigns, redeemable against your statement (minimum 100). The base earn rate is not published.
- Type
- Points
- Points expiry
- 18
Travel perks
- International lounge visits
- None
- Local lounge
- None
- Travel insurance
- None
Strengths
- Monthly fee waived in any month with ₱15,000 spend
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.
- VisaEnds Mar 31, 2029Register firstAll Visa cards, any bank
- VisaEnds Oct 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Mar 4, 2027Register firstAll Visa cards, any bank
Show 2 more
- VisaEnds Dec 31, 2027All Visa cards, any bank
- VisaEnds Dec 31, 2027Register firstAll Visa cards, any bank
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.