How to Get a Pag-IBIG Loyalty Card Plus (2026 Updated Guide)

Do you know that the Pag-IBIG Fund helps its members save money and enjoy exclusive rewards that are not available anywhere else? With the Pag-IBIG Loyalty Card or ID, you can avail of exclusive discounts and perks at hundreds of business establishments nationwide.

The Home Development Mutual Fund (HDMF), more commonly known as the Pag-IBIG Fund, has helped millions of Filipinos achieve their lifelong dream of owning a house. One of the benefits of being a Pag-IBIG Fund member is the opportunity to apply for a personal housing loan that suits your income and capacity to pay.

With generous payment terms of up to 30 years, ordinary Filipinos, especially minimum wage and low income earners, can finally realize their dream of owning a house or property without being heavily saddled by debt. Pag-IBIG members can also avail of multi-purpose and calamity loans at low interest rates and payment terms of up to 3 years.

The Pag-IBIG Fund, however, has something else up their sleeves. Aside from housing and personal loans, members can also apply for a Pag-IBIG Loyalty Card that entitles them to exclusive discounts and rewards at more than 350 partner establishments such as supermarkets, restaurants, hotels, hospitals, schools, appliance stores, and even beauty salons. Using this card, you can potentially save thousands of pesos every month on groceries, restaurant meals, tuition fees, hospital bills, fuel expenses, and many more.

The Pag-IBIG Loyalty Card is definitely a must have for every Pag-IBIG Fund member. After all, who doesn’t want to save a few pesos on their living expenses? Those little expenses add up and before you know it, you will have saved thousands of pesos in a month. The amazing thing about this card is that it only costs ₱125 and there are no monthly or annual fees to keep it active.

Pretty sure that you’re already excited to have your own Pag-IBIG Loyalty Card, so I’ve come up with this step-by-step guide to help you apply for one. I’ll guide you through the steps in filling out the application form, submitting it to the Pag-IBIG branch, and claiming your card (takes less than a day!).

What is the Pag-IBIG Loyalty Card?

The Pag-IBIG Loyalty Card is a rewards and discount card that is exclusively for Pag-IBIG Fund members. Cardholders can enjoy exclusive rewards and discounts of up to 50% at more than 500 partner merchants and establishments such as Puregold, Bo’s Coffee, David’s Salon, McDonald’s, Petron, Shakey’s, Air21, Human Nature, Vision Express, Papa John’s, and many more.

The Pag-IBIG Loyalty Card can also be used as a cash card where members can conveniently receive the proceeds of their multi-purpose loans, MP2 dividends, and other benefits. Cardholders no longer have to wait for their checks to clear and the proceeds of their loans and dividends can be withdrawn at BancNet ATMs.

Launched in 2014, the Pag-IBIG Loyalty Card program has grown to more than 15 million cardholders. In 2019, the Pag-IBIG Fund introduced the newer and much improved card which features an EMV chip for additional security, called the Pag-IBIG Loyalty Card Plus.

Aside from being a discount card and ATM cash card, the Pag-IBIG Loyalty Card is also considered as a valid ID. Members can use the card as a secondary ID in various private and public transactions. Furthermore, the card can be used to create and activate a Virtual Pag-IBIG account without the need to visit the Pag-IBIG office for account activation.

Pag-IBIG Loyalty Card vs. Pag-IBIG Loyalty Card Plus

The Pag-IBIG Loyalty Card Plus, which was introduced in 2019 in partnership with Union Bank of the Philippines (UnionBank) and Asia United Bank (AUB), features significant improvements over the old card.

The newer Pag-IBIG card comes with an EMV chip, allowing it to be used as an ATM card for the deposit and withdrawal of your Pag-IBIG benefits and dividends. It can also be linked to the issuing bank’s mobile application for quick and convenient access to the member’s prepaid or savings account.

Pag-IBIG Fund has also announced plans to roll out a Pag-IBIG Loyalty Card Plus Digital version, which will work alongside the physical card. According to Pag-IBIG Fund CEO Marilene Acosta, the digital card is meant to make the program more accessible, secure, and convenient for members. We’ll update this guide with application details as soon as the digital version becomes available.

Here is a comparison table showing the similarities and differences between the original Loyalty Card and the newer Pag-IBIG Loyalty Card Plus issued in partnership with UnionBank and AUB.

	Pag-IBIG Loyalty Card	Pag-IBIG Loyalty Card Plus (AUB)	Pag-IBIG Loyalty Card Plus (UnionBank)
Purpose	Membership card only	Membership card with ATM prepaid account	Membership card with ATM savings account
Card Expiration	No expiry	10 years	8 years
ATM Withdrawals	N/A	Yes (BancNet ATMs)	Yes (BancNet ATMs)
With EMV Chip	None	Yes	Yes
Maintaining Balance	N/A	None	None
Initial Deposit	N/A	None	None
Monthly Fee	N/A	None	None
Application Fee	₱125	₱125	₱125
With Mobile App	N/A	Yes (Hello Pag-IBIG)	Yes (UnionBank Online)

Pag-IBIG Loyalty Card Plus Features and Benefits

Your Pag-IBIG Loyalty Card Plus comes with a host of features and benefits:

• Avail of exclusive discounts and rewards at 500+ partner merchants and establishments all over the Philippines.
• Receive proceeds from Pag-IBIG short-term loans, Pag-IBIG MP2 dividends and other benefits.
• Withdraw money at any UnionBank, AUB or BancNet ATM worldwide.
• Swipe at over 200,000 point-of-sale (POS) terminals nationwide.
• Make cashless payments online and in stores.
• Enjoy zero maintaining balance, initial deposit and monthly fees.
• Deposit money to your prepaid or savings account courtesy of UnionBank or AUB.
• Earn interest from your UnionBank savings account.
• Experience 24/7 online banking by linking your card to your bank’s mobile app.
• Create and activate a Virtual Pag-IBIG account using your card.
• Present the card as a valid secondary ID for both private and public transactions.

Pag-IBIG Loyalty Card Requirements and Eligibility

Before you proceed with your application, make sure that you meet the eligibility criteria and requirements for owning a Pag-IBIG Loyalty Card or ID.

You may apply for the card as long as you meet the following criteria:

• You must have a Pag-IBIG Membership ID (MID) number.
• You must be an active Pag-IBIG member or MP2 retiree member under Circular No. 407 who opted for annual dividend payout.

If you meet the aforementioned eligibility criteria, you can apply for the card by providing the following requirements:

• Duly accomplished Loyalty Card Plus application form (HQP-PFF-108 V07) that you can download here.
• Valid ID acceptable to the Pag-IBIG Fund (1 original and 1 photocopy).
• ₱125 application fee.

Step-by-Step Guide on How to Apply for a Pag-IBIG Loyalty Card Plus

At the moment, applications for the Pag-IBIG Loyalty Card Plus (LCP) can only be done in person at selected Pag-IBIG branches with LCP kiosks. Online applications are not yet available. You can use this branch locator to see a list of Pag-IBIG branches nationwide with LCP kiosks.

Are you ready to apply for your own Pag-IBIG card? Follow this comprehensive, step-by-step guide on how to get one.

Step 1: Download and Print the Pag-IBIG Loyalty Card Plus Application Form

The first thing you should do is to download the Pag-IBIG Loyalty Card Plus application form (HQP-PFF-108 V07). After downloading the form, open the document using a free PDF reader such as Adobe Acrobat. If you are using Chrome on desktop, the form will automatically open in a new tab so you don’t need to use a PDF reader.

Download Application Form

Print the LCP application form by clicking File > Print or by pressing Ctrl + P on your keyboard. Make sure that you are connected to your printer when doing so.

For best results, print the LCP application form on long bond paper (8.5″ x 13″). However, you can print it on A4 or any other paper size as long as you set the page sizing to fit.

You can also get the application form at any Pag-IBIG branch nearest you. Take note that you only need one (1) copy of the form.

Step 2: Fill Out the Application Form

The next step is to fill out the LCP application form. Follow these instructions in accomplishing the application form:

• Fill out the application form in one (1) copy only.
• Write all entries in BLOCK or CAPITAL LETTERS only.
• Fields marked with an asterisk (*) are required.
• Write N/A if the information is not applicable.

Don’t forget to write your 12-digit Pag-IBIG Membership ID (MID) number and the issuing partner bank (e.g. UnionBank, AUB) on the upper-right portion of the form. Read this article to know your Pag-IBIG MID number.

Membership Category

Choose your appropriate option to indicate the type of membership coverage under Republic Act No. 9679.

• Mandatory – Refers to Pag-IBIG Fund membership that is required or compulsory.
  • Employed Private – Check this box if you are working for a private employer, including foreign employers with an administrative agreement with the Pag-IBIG Fund.
  • Employed Government – Check this box if you are working for a government office that is covered by the Government Service Insurance System (GSIS). This includes uniformed personnel of the Armed Forces of the Philippines (AFP), Philippine National Police (PNP), Bureau of Fire Protection (BFP), and Bureau of Jail Management and Penology (BJMP), as well as members of the judiciary and Constitutional Commissions.
  • Overseas Filipino Worker (OFW) – Check this box if you are working abroad for a foreign employer, whether based on land or at sea.
  • Self-Employed (SE) – This refers to a person who is not over 60 years old, is practicing his/her profession or engaged in any occupation, trade or business, is not under an employer-employee relationship, and is earning at least ₱1,000 per month.
    • Professional/Business Owner – Check this box if you are earning income by engaging in trade or business that you operate directly.
    • Job Order Personnel – Check this box if you are hired to perform work or intermittent job of short duration of 6 months or less and is paid daily or hourly.
    • Other Earning Groups (OEGs) – This refers to small scale units involved in the production of goods and services for the purpose of generating income. Examples are farmers, fisherfolk, public utility vehicle drivers, and market vendors.
• Voluntary – Refers to Pag-IBIG Fund membership that is not required or mandatory.
  • Employed Foreign Government – Check this box if you are an employee of a foreign government (e.g. embassy and consulate) or an international organization without an administrative agreement with the Pag-IBIG Fund.
  • Barangay Official/Employee – Check this box if you are an employee or a person of authority of your barangay.
  • Non-Working Spouse – Check this box if you are a spouse (husband or wife) who manages the household and family affairs full time.
  • Member of Religious Group – Check this box if you are a member, head or leader of an organization in the exercise of religious belief.
  • Pensioner/Investor/Lessor – A pensioner is an individual who is receiving old-age or permanent total disability pension, or has received the lump sum. An investor is the owner of securities or shares including shares of stock issued by a Real Estate Investment Trust (REIT) or its derivatives. A lessor is the owner, administrator or agent of a residential unit.
  • Member of Cooperative/Trade Union – Check this box if you are a member of a cooperative or a trade union.
  • Overseas Filipino Immigrant – Check this box if you are a Filipino who resides outside of the Philippines as a citizen or as a permanent resident of another country.
  • Others – If you don’t belong to any of the listed groups, check this box and indicate your type of voluntary membership (e.g. Unemployed).

Member’s Personal Details

• Last Name – Write your family name or surname.
• First Name – Write your given name.
• Name Extension – Indicate your name suffix (e.g. Jr., III, IV) if you have one.
• Middle Name – This usually refers to your mother’s maiden surname. For married women, the middle name is the father’s surname.
• Maiden Name – Write your complete name before marriage if you are presently a married woman.
• Date of Birth – Indicate your date of birth in MM/DD/YYYY format. For example, if your date of birth is March 20, 1990, write 03/20/1990.
• Place of Birth – Indicate the city/municipality/province/country where you were born. Only specify the country if you were born outside the Philippines.
• Citizenship – Indicate your nationality (e.g. Filipino).
• Sex – Check the appropriate box for your biological sex (male or female).
• Marital Status – Check the appropriate box for your marital status (e.g. Single, Married).
• Mother’s Maiden Name – Write your mother’s complete name before her marriage.
• Name of Spouse – If you are married, write the name of your husband or wife starting with the last name.
• Taxpayer’s Identification Number (TIN) – Indicate your 9-digit TIN from the Bureau of Internal Revenue (BIR) if you have one.
• SSS/GSIS Number – Write your 10-digit Social Security Number. If you’re a government employee, write your 11-digit Business Partner Number.
• Employee Number – Indicate your company ID number.
• Common Reference Number (CRN/UMID) – Indicate your CRN or UMID number if you have one.

Address and Contact Details

• Permanent Home Address – Indicate the complete address of your permanent residence including barangay, city/municipality, province and ZIP code. Include the state/country only if your home address is outside the Philippines.
• Present Home Address – Write the complete address of your current residence. Include the state/country only if your home address is outside the Philippines.
• Contact Numbers – Indicate your home telephone number, cellphone number and business phone number, if any. Include the country code if you’re residing abroad and the area code if you’re outside Metro Manila.
• Email Address – Write your email address (Gmail and Yahoo! Mail are preferred).

Present Employment Details

• Employer/Business Name – Indicate the name of your employer or business as listed on the registration certificate or employment contract (applicable for formal employees, OFWs, self-employed professionals and business owners).
• Employer/Business Address – Write the address of your employer or business as listed on the registration certificate or employment contract.
• Monthly Income Range – Check the appropriate box that corresponds to your monthly income or salary.
• Occupation – Specify your your job, profession or line of work (e.g. Nurse).
• Nature of Work/Business/Source of Funds – Describe your work, business or source of funds. For example, Virtual Assistant.
• Employment Status – Check the appropriate box to indicate your employment status, whether permanent/regular, casual, contractual, etc.

Previous Employment From Date of Pag-IBIG Fund Membership

In this section, indicate all your previous employers starting from the date of Pag-IBIG Fund membership. You may use another sheet if necessary.

• Employer/Business Name – Indicate the name of your previous employer or business as listed on the registration certificate or employment contract.
• Employer/Business Address – Write the address of your previous employer or business as listed on the registration certificate or employment contract.
• From – In MM/DD/YYYY format, indicate the date when you started work for this employer or business. For example, if you started work on January 15, 2021, write 01/15/2021.
• To – Indicate the date when you ended your work for this employer or business, also in MM/DD/YYYY format.

Other Information

• Status of Home Ownership – Check the appropriate box indicating your home ownership status. If your home is mortgaged with a bank or other financial institution, indicate if you are interested to transfer your loan to Pag-IBIG.
• Future Plans on Home Ownership – Check the appropriate box indicating your future plans for your home. For example, if you plan to construct your own house, check “Avail of a Loan for Purchase of Residential Unit or Construction of House.”
• Desired Loan Amount (If Interested With Pag-IBIG Fund Financing) – Check the appropriate box indicating the amount that you are interested to loan from Pag-IBIG.
• How Much Can You Afford in Terms of Monthly Payment for Housing Loan – Choose your preferred monthly payment range in case you want to avail of a Pag-IBIG housing loan.
• Educational Attainment – Indicate your highest level of educational attainment.
• No. of Children/Dependents Still Studying – Indicate how many of your children or dependents are still studying.
• No. of Vehicles Owned – Specify how many motor vehicles (e.g. cars, motorcycles) you have.
• Establishment You Wish to be a Pag-IBIG Loyalty Card Partner – Do you know a business or company that you want to become a partner? Write it here.

Agreement

Read the agreement terms carefully, and if you agree to the terms of the Pag-IBIG Fund, affix your signature and indicate the date when the LCP application form was accomplished.

• Signature of Member – Affix your signature on the date provided.
• Date – Write the date when you filled out this application form (e.g. May 14, 2022).

Step 3: Submit Application Form and Valid ID to Pag-IBIG

After accomplishing the LCP application form, go to the nearest Pag-IBIG branch and submit it together with your valid ID. Pag-IBIG branches are open from 8:00 AM to 5:00 PM, Mondays to Fridays (except holidays).

The following is a list of valid IDs that are accepted by the Pag-IBIG Fund:

• Passport
• Philippine National ID (PhilID)
• Unified Multi-Purpose ID (UMID)
• Government Service Insurance System (GSIS) e-Card
• Social Security System (SSS) Card
• Driver’s License
• Professional Regulation Commission (PRC) ID
• National Bureau of Investigation (NBI) Clearance
• Police Clearance
• Postal ID
• Voter’s ID
• Barangay Certification, Barangay ID or similar documents bearing a picture of the member
• Senior Citizen Card
• Integrated Bar of the Philippines (IBP) ID
• Overseas Workers Welfare Administration (OWWA) ID
• Overseas Filipino Worker ID
• Seaman’s Book or Seafarer’s Identification and Record Book (SIRB)
• Alien Certification of Registration or Immigrant Certificate of Registration
• Government Office and GOCC ID (e.g. AFP ID)
• Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
• Department of Social Welfare and Development (DSWD) Certification
• Company ID issued by private entities or institutions registered with, supervised or regulated by the BSP, SEC or IC

Step 4: Pay the Card Application Fee

Next, pay the ₱125 application fee to the bank representative. Take note that you should only pay the fee to the bank personnel assigned to the Loyalty Card Plus kiosk at the Pag-IBIG branch.

Step 5: Have Your Picture and Fingerprints Taken

The Pag-IBIG representative will take your picture, scan your fingerprints, and ask you to sign on the digital tablet. The representative will then request you to validate your information as shown on the computer monitor and will proceed with the onsite card personalization.

Step 6: Claim Your Pag-IBIG Loyalty Card

In less than an hour, you can claim your new card. You will receive your card along with the PIN mailer from the bank representative.

That’s it! You can now start using your brand-new card to avail of discounts, receive loan proceeds, withdraw money from ATMs, and many more.

For ease and convenience in managing your prepaid or savings account, don’t forget to link your card to the issuing bank’s mobile banking application. For cards issued by Asia United Bank, you can link your card to the Hello Pag-IBIG app. UnionBank-issued cards can be linked to the UnionBank Online app.

Pag-IBIG Loyalty Card Partners and Discounts

Using your Pag-IBIG Loyalty Card Plus, you can score exciting discounts and perks at more than 500 partner establishments including restaurants, supermarkets, hotels, appliance stores, hospitals, gas stations, and even universities. Check out this list of selected companies and merchants that give you rewards and discounts of up to 50% when you present your Loyalty Card.

Frequently Asked Questions

Final Considerations

The Pag-IBIG Loyalty Card is definitely worth getting as it allows you to save hundreds or even thousands of pesos every month on food, groceries, fuel, medicine, tuition fees, and many more.

Not only that, you’ll also get your own savings account that lets you deposit money and withdraw cash from any BancNet ATM. Don’t forget to link your card with your bank’s mobile app to enjoy 24/7 online banking using your smartphone.

To know more about the card and its benefits, call (02) 8724-4244 or email [email protected].