Pag-IBIG Loyalty Card Plus: Complete Guide to Benefits, Requirements, and Application

The Pag-IBIG Loyalty Card is one of the most practical benefits available to Pag-IBIG Fund members today. More than just an ID, it functions as a discount card, a benefits disbursement tool, and—through its upgraded version—a debit card connected to the Philippine banking system. This guide explains everything you need to know in a clear, easy-to-digest way, following official Pag-IBIG guidelines and real-world usage.

Pag-IBIG Loyalty Card

The Pag-IBIG Loyalty Card was launched to give members immediate, everyday benefits instead of waiting years to enjoy returns from housing loans or savings programs. It allows members to access exclusive discounts from partner establishments such as hospitals, schools, supermarkets, restaurants, and retail stores nationwide.

This program reflects Pag-IBIG Fund’s shift toward member-centered services—providing value not only in the long term, but also in daily expenses.

Pag-IBIG Loyalty Card Plus

The Pag-IBIG Loyalty Card Plus is the enhanced version of the original loyalty card. Introduced in 2019, it integrates banking features through official partners Asia United Bank (AUB) and UnionBank of the Philippines.

With an embedded EMV chip, the Loyalty Card Plus doubles as a debit card and is used to:

• Receive Pag-IBIG loan proceeds (MPL, Calamity Loan)
• Credit MP2 savings maturity
• Withdraw funds via ATM
• Pay at POS terminals

Members may choose between AUB (prepaid account) or UnionBank (savings account), depending on their preference for basic transactions or interest-bearing savings.

How to Get Pag-IBIG Loyalty Card

If you’re wondering how to get Pag-IBIG Loyalty Card, the process is straightforward and usually completed in one visit.

Step-by-step process:

1. Visit any Pag-IBIG Branch
   Go to the nearest Pag-IBIG Fund branch that offers Loyalty Card Plus issuance.
2. Submit the Pag-IBIG Loyalty Card Plus Application Form and pay the fee
   Accomplish the Pag-IBIG Loyalty Card Plus Application Form and submit it to the AUB (Asia United Bank) or UnionBank personnel. Pay the one-time ₱125 card fee.
3. Complete biometric capture
   Have your photo taken, and your fingerprints and signature recorded for identity verification.
4. Receive your Pag-IBIG Loyalty Card Plus
   Once completed, your card is issued on the same day. You can immediately start using your Pag-IBIG Loyalty Card Plus to enjoy promos and discounts from 400+ partner establishments nationwide.

Many employers also host on-site Pag-IBIG Loyalty Card application events, allowing employees to apply without visiting a branch.

Pag-IBIG Loyalty Card Requirements

To apply, you must meet the following Pag-IBIG Loyalty Card requirements:

• Active Pag-IBIG member (at least one contribution in the last 6 months)
• Permanent Pag-IBIG MID number
• No major record discrepancies

Accepted valid IDs include:

• Philippine Passport
• Driver’s License
• UMID
• PhilID (National ID)
• PRC ID

Supporting documents like PSA Birth Certificate or Marriage Certificate may be required for name corrections.

Pag-IBIG Loyalty Card Form

The official Pag-IBIG Loyalty Card form is HQP-PFF-108, also known as the Loyalty Card Plus Application Form.

This form collects:

• Personal and contact information
• Employment details
• Choice of partner bank (AUB or UnionBank)

While Pag-IBIG membership can be registered online, submission of this form requires a physical visit for identity verification and biometrics.

Pag-IBIG Loyalty Card Application

A Pag-IBIG Loyalty Card application involves a one-time fee of ₱125, payable during issuance. The card is usually released on the same day.

Once issued, it can immediately be used for:

• ATM withdrawals
• Benefit disbursement
• Merchant discounts
• Virtual Pag-IBIG account verification

The card also simplifies future Pag-IBIG transactions by serving as the official disbursement account.

Pag-IBIG Loyalty Card Benefits

The Pag-IBIG Loyalty Card benefits go beyond convenience. Members gain access to real savings across essential sectors:

• Faster loan and dividend disbursement
• No maintaining balance requirement
• ATM access nationwide
• Digital integration with Virtual Pag-IBIG
• Exclusive merchant discounts

For many members, this card becomes their first formal banking tool.

Pag-IBIG Loyalty Card Discount

One of the biggest draws is the Pag-IBIG Loyalty Card discount program. With over 400 partner merchants, members enjoy savings on:

• Healthcare: medical consultations, diagnostics, optical services
• Education: tuition discounts at partner schools and colleges
• Food & Retail: restaurants, supermarkets, fuel stations
• Leisure: theme parks and lifestyle brands

Discount rates range from 5% to as high as 50%, depending on the partner establishment.

Pag-IBIG Loyalty Card Perks

Beyond discounts, the Pag-IBIG Loyalty Card perks include digital and financial advantages:

• Instant activation of Virtual Pag-IBIG
• Online loan application and tracking
• Real-time balance viewing (bank-dependent)
• Secure cashless transactions

Cardholders also benefit from employer-based deployment programs and simplified renewals.

Final Thoughts

The Pag-IBIG Loyalty Card Plus represents a successful public-private partnership that strengthens financial inclusion in the Philippines. It combines government benefits, banking access, and everyday discounts into one secure card.

For Pag-IBIG members, it is more than an ID—it is a daily-use financial asset that delivers real value, supports digital transformation, and reinforces Pag-IBIG Fund’s commitment to accessible, member-focused service.