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Pag-IBIG Fund credit cards for february 2024

Apply for a credit card at Pag-IBIG Fund. On 22.02.2024 you have access to 1 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 1
Pag-IBIG Fund
Pag-IBIG Loyalty Card Plus
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
up to up to ₱500,000
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Pag-IBIG Fund credit cards for february 2024

The Pag-IBIG Loyalty card allows you to enjoy exclusive discounts and rewards on your expenses from more than 300 partner establishments nationwide. You can also use it as a cash card where you can receive your Pag-IBIG Multi-Purpose Loan (MPL) proceeds, MP2 Savings dividends, and other benefits.

Types of Pag-IBIG cards

The Pag-IBIG Loyalty Card and the Pag-IBIG Loyalty Card Plus are the two types of Pag-IBIG credit cards. You can use the Loyalty Card to gain access to Pag-IBIG services. On the other hand, the Loyalty Card Plus has more advanced features than the Loyalty Card.

The Loyalty Card Plus, developed in collaboration with UnionBank and Asia United Bank (AUB), enables you to hold up to ₱500,000 maximum cash-in transactions at any particular time. The card is also limited to ₱500,000 every month. With your Pag-IBIG Loyalty Plus card, you can only withdraw up to ₱50,000 daily. You can also view your limit using the Hello Pag-IBIG mobile app. Additionally, you can deposit funds, withdraw money from ATMs, and make purchases with your card.

Features of the Loyalty Card Plus

The following are features of the Loyalty Card Plus:

  • You can get special discounts and rewards at over 350 partner businesses and establishments across the Philippines.

  • You can withdraw cash from any UnionBank, AUB, or BancNet ATM.

  • You can swipe at over 200,000 point-of-sale (POS) terminals across the country.

  • You can enjoy cashless transactions are possible both online and in person.

  • You can benefit from no initial deposit, monthly fees, or balance maintenance.

  • You can add money to your savings or prepaid account at UnionBank or AUB.

  • You can earn interest on your UnionBank savings account.

  • You can open and activate a Virtual Pag-IBIG account using your card.

  • You can complete private and public transactions using the card as a secondary ID.

How to apply?

You can fill out the necessary paperwork in person at any location to apply for a Pag-IBIG credit card by doing the following:

First, for branch enrollment, first visit any Pag-IBIG branch. Then, make sure to have your Membership Identification Number (MID) validated by the fund's personnel. You will then be required to fill out the Loyalty Card Plus form and pay the card fee of ₱125 to the bank personnel only. Then, have your picture taken and sign on the digital tablet. After that, validate your information. Lastly, you can pick your loyalty card plus the PIN mailer from the bank personnel.

The other option is to consider employer arranged enrollment. Employers can enroll their employees in the Pag-IBIG Loyalty Card Plus program as follows: First, create a list of the employees planning to use the Pag-lBIG Loyalty Card Plus. Then, have your employees complete the documents for the Pag-lBIG Loyalty Card Plus enrolment. After that, have a copy of one valid ID card for each employee and then have your employees send the application forms and card fee to the Pag-IBIG bank operator. Lastly, your employees will be prompted to validate their information after their photos and biometrics have been taken by a licensed bank operator.

Main requirements for a Pag-IBIG credit card

To qualify for a Pag-IBIG loyalty card, you need to complete the registration form. You also need to have a valid government ID, at least one Pag-IBIG contribution within the last six months, a valid mobile phone number, and a ₱125 payment.

List of valid ID cards

  • Postal ID

  • Voter's ID

  • Passport

  • Social Security System (SSS) Card

  • Senior Citizen Card

  • Overseas Workers Welfare Administration (OWWA) ID

  • Overseas Filipino Worker ID

  • Driver's License

  • Barangay IDs, certifications

  • Government Service Insurance System (GSIS) e-Card

Pros and cons

The following are some advantages and disadvantages of Pag-IBIG credit cards.


  • You receive discounts and reward points on groceries, tuition, and other eligible purchases that could save you thousands of pesos annually.

  • You can use the loyalty card to withdraw your funds via Bancnet or Hello Pag-IBIG mobile app.


  • You cannot make over-the-counter transactions using the card.

  • You cannot have more than one Loyalty Plus card.


What is my Pag-IBIG Loyalty Card Plus PIN?

Your PIN is the 4-digit combination inside the PIN mailer. In the PIN mailer, the Pag-IBIG Loyalty Card and PIN are also placed in a sealed envelope along with your card, welcome letter, and brochure. 

Can I use the AUB branches to withdraw money from my Pag-IBIG Loyalty Plus card?

No. Over-the-counter withdrawals from the Pag-IBIG loyalty card are not permitted. Only ATMs powered by BancNet can be used to withdraw funds. You can also transfer funds to other bank accounts via the Hello Pag-IBIG mobile app. 

What is the Pag-IBIG Loyalty Loyalty Card Plus good for?

You can get loan proceeds immediately to your card, withdraw them at BancNet ATMs, or use the card to purchase things at the point of sale. 

Can I have numerous Pag-IBIG Loyalty Plus cards?

No. You can only have one valid Pag-IBIG Loyalty Card Plus because obtaining another card from AUB will deactivate the previous card.