What Is the Pag-IBIG Loyalty Card Plus?
The Pag-IBIG Loyalty Card Plus is a rewards card issued to active Pag-IBIG Fund members that unlocks discounts at hundreds of partner businesses nationwide, separate entirely from your Pag-IBIG savings, MP2, or housing loan account. Think of it less as a financial product and more as a members-only discount card, similar in spirit to a mall loyalty card, except it's backed by a government agency and accepted at a much wider range of merchants.
As of 2026, the program has grown to 507 partner establishments nationwide, with cardholders claiming more than ₱1 billion in total discounts since the program launched. That scale is easy to underestimate, most members who have the card either forgot they applied for it or never learned which of their regular errands, groceries, pharmacy runs, fast food orders, could already be discounted.
Old Loyalty Card vs. Loyalty Card Plus
The Loyalty Card Plus is the upgraded version of Pag-IBIG's original Loyalty Card, with an EMV chip added for tap-enabled transactions. Interestingly, a few partner promos specifically call out that they're built for cardholders without the EMV chip, Petron's fuel and Gasul points programs, for example, note they're "currently available for Pag-IBIG Loyalty Card holders (without EMV Chip)" in their terms. For most other discounts across food, health, and retail partners, either card version works the same way, but it's worth keeping your older card if you have one, rather than assuming the newer Plus card unlocks strictly more.
Previously issued Pag-IBIG Loyalty Cards remain valid for discount purposes, you don't need to upgrade to the Plus version just to keep using the program, present whichever card you currently hold at checkout.
Who's Eligible and What It Costs
Eligibility is straightforward: you need to be an active Pag-IBIG Fund member with a valid Member's ID (MID) number and at least one month of posted contributions. Each member is limited to one Loyalty Card Plus at a time, no duplicates even if the card is lost, a replacement process applies instead.
The card carries a one-time application fee of ₱125. There's no monthly or annual maintaining fee after that, and the card doesn't expire on a fixed schedule, it stays valid unless you need a replacement or Pag-IBIG issues a mandatory upgrade down the line.
How to Apply, Step by Step
- Confirm your eligibility. Check that your Pag-IBIG contributions are active and at least one month has posted to your MID number.
- Download the application form. Get the Loyalty Card Plus form (HQP-PFF-108 V07) from the official Pag-IBIG website and fill it out carefully, your name and birthdate need to match your government ID exactly.
- Find a branch with an LCP kiosk. Not every Pag-IBIG branch processes Loyalty Card Plus applications. Use the Branch Locator on the Pag-IBIG website or call the hotline to confirm before making the trip.
- Submit your form and valid ID. Bring one original and one photocopy of an acceptable government ID along with your completed form.
- Pay the ₱125 fee and receive your card. Processing time varies by branch, ask on-site how soon the physical card will be ready.
Applications currently require an in-person branch visit, online applications aren't available yet. OFWs and members who can't visit a branch personally typically need to coordinate a home visit or an authorized representative, confirm the current process directly with Pag-IBIG since authorization requirements can change.
Featured Partner Discounts Worth Knowing
A handful of nationally recognizable partners carry some of the most useful everyday discounts in the program:
| Partner | Discount |
|---|---|
| McDonald's | 5% off, min. ₱200 purchase, max ₱500 (dine-in, take-out, drive-thru) |
| Shakey's Pizza Parlor | 30% off select Large Thin Crust pizzas, max 3 per transaction |
| Wendy's Philippines | 5% off, min. ₱200, max ₱500 purchase |
| Puregold | Earn 1 peso point per ₱400 spent, redeemable in-store |
| Landers Superstore | Free Landers Shopping Pass, plus free Premium Membership with ₱3,000 min. spend |
| Office Warehouse | 5% off office furniture and school supplies, min. ₱500 |
| Uratex | 10% off regular-priced foam products, mattresses, and toppers |
| Rose Pharmacy | 10% off select generics, 5% off Guardian products |
| Enchanted Kingdom | 15% off regular day pass, max 3 tickets per card |
| STI | 10% off tuition fees, all levels and courses |
| Vision Express | Buy 1 Get 1 Free on 50+ designer eyewear brands |
| PhilCare | Up to 13% off individual and family health plans |
Terms, minimum spends, and validity periods change over time, confirm current details on the official Pag-IBIG partner list or directly with the merchant before relying on a specific offer.
Discounts by Category
Beyond the headline names, the directory runs deep in a few specific categories:
Health and medicine (189 partners, the largest category): discounts on diagnostic labs, drugstores, and clinics nationwide, including 5-20% off at chains like Hi-Precision Diagnostics, Generika Drugstore, Healthway Medical Clinics, and New World Diagnostics, plus discounted health plans through PhilCare.
Food, restaurants, and groceries (114 partners): beyond the national fast food names, dozens of regional restaurant chains offer 5-10% off, concentrated in Bicol, Cebu, Davao, and Mindanao. Local grocery chains like NCCC Department Store and Ororama Supercenter also run their own point-earning promos on top of Puregold and Landers.
Education: over 30 schools and colleges nationwide offer tuition discounts ranging from 5% to as high as 75% in some scholarship-style programs, often extended to a cardholder's immediate family members, a detail worth checking since it can apply the discount to a child's or sibling's enrollment, not just the cardholder's own tuition.
Beauty and wellness: dermatology clinics, salons, and aesthetic centers across the country offer discounts from 5% up to 50% on select services, including well-known names like Dermcare and Shinagawa Lasik and Aesthetics Center.
Hotels and travel: dozens of hotels and resorts, from Astoria Hotels and Resorts to smaller provincial resorts in Ilocos, Bicol, and Mindanao, discount room rates by 10-40% off published rates, alongside bus and shipping line fare discounts through operators like Trans-Asia Shipping Lines.
Everything else: the directory also covers courier services (J&T Express, PhilEx, MyKartero), memorial and funeral services, computer parts retailers, department stores, and gift shops, most offering 5-20% off regular-priced items.
Full Partner Directory, Extracted From the Official Tipid Guide
The tables below pull directly from Pag-IBIG's own Loyalty Card Plus Tipid Guide, organized by category with the partner name and a short summary of the headline discount. This isn't the complete 507-partner list, the guide batches many regional partners by logo without always making the name-to-discount pairing machine-readable, so entries here are the ones we could confirm with confidence. Treat the percentages as a starting point and confirm the current terms with the merchant or the official Pag-IBIG partner list before a big purchase.
Featured & National Partners
| Partner | Discount |
|---|---|
| Hi-Precision Diagnostics | 5% DISCOUNT on shipping fee Required to download J&T Mobile App and create orders online. |
| Wendy's Philippines | 5% DISCOUNT on all Wendy’s products for a minimum purchase of ₱200. |
| Office Warehouse | 5% DISCOUNT on all office furniture, office & school supplies for a minimum purchase of ₱500. |
| Trans-Asia Shipping Lines | 5% DISCOUNT on all Guardian Products. |
| Enchanted Kingdom | 15% DISCOUNT on regular day pass (Park and Agila). |
| Hap Chan | 5% DISCOUNT on food orders for a minimum purchase of ₱500. |
| Angel's Pizza | 5% DISCOUNT on regular-priced products. |
| Ideal Vision Center | FREE Acufresh for every purchase of contact lens. |
| Mr. Quickie | FREE Lumpiang Shanghai worth ₱288. |
| New World Diagnostics | 20% DISCOUNT on all laboratory and diagnostic services. |
| Max's Restaurant | 5% DISCOUNT on all regular items. |
| Medisense Laboratory | Earn POINTS in gasul 11kg gasul = 10pts, 7kg = 5pts and 2. |
| Sports Zone Game Center | 15% DISCOUNT on customized lens purchase. |
Food & Restaurants (Regional)
| Partner | Discount |
|---|---|
| Alavar Seafoods Restaurant | 5% DISCOUNT on food purchase FREE HALF QUESADILLA worth ₱215. |
| Breyswel's Cafe | 5% DISCOUNT on premium icing cakes during birth month. |
| Brielle's Chicken Palace | 10% DISCOUNT on food purchase. |
| Cindy's Bakery | FREE ONE MAIS CON YELO for a minimum food purchase of ₱1,500. |
| Citrus Alley | 5% DISCOUNT on buffet and group food packages for dine-in. |
| DJC Halo-Halo & Snack Inn | 10% DISCOUNT on personalized cakes (12” or layered cake). |
| Eli Coffee | 10% DISCOUNT on food orders with no minimum purchase. |
| Domus Restaurant | 5% DISCOUNT on food items. |
| Formosa Bakeshop | 5% DISCOUNT on food purchase for a minimum of ₱300. |
| Jelexie Bakeshop | 5% DISCOUNT on single items for a minimum purchase of ₱1,000. |
| IDIM DIY Bakery | 5% DISCOUNT on food and beverages. |
| Immanuel Tuna Traders | 5% DISCOUNT on food and beverages. |
| Koobideh Kebabs | 10% DISCOUNT on food and beverages for a minimum purchase of ₱1,000. |
| Kape Zambo y Busybee | 5% DISCOUNT on food and pastries products. |
| King Bee Restaurant | 5% DISCOUNT on food orders for a minimum single receipt purchase of ₱200. |
| King Chef | 5% DISCOUNT for a minimum single receipt food purchase of ₱1,500. |
| Missy Bon Bon Bakeshop | 10% DISCOUNT on food and drinks for a minimum single receipt purchase of ₱1,500. |
| Malagos Homegrown Restaurant | 5% DISCOUNT on frozen tuna panga, belly, buntot, sashimi and cubes for a minimum purchase. |
| Matutina Gerry's Seafood House | 5% DISCOUNT on food orders Overdoughs Cafe and Elait!. |
| San Francisco | 5% DISCOUNT on food purchase FREE GYOZA worth ₱195. |
| Chicken Haus | 10% DISCOUNT on food and drinks. |
| Wann Mann | 5% DISCOUNT on food orders for every single receipt transaction with no minimum purchase. |
| Volet's Gotohan | 5% DISCOUNT on food purchase. |
Health & Medicine
| Partner | Discount |
|---|---|
| Abra Medical Diagnostic Center | 10% DISCOUNT on all laboratory exams, X-ray & ECG and Ambulatory Surgical Clinic. |
| Abesamis Family Optical | 15% DISCOUNT on regular frames, lenses and packages. |
| A Jamora Optical Clinic | 10% DISCOUNT on all laboratory, radiology and cardiopulmonary procedures for inpatient and out. |
| Adventist Hospital - Bacolod | 50% DISCOUNT on in-house doctor’s consultation for outpatient. |
| Albay Diagnostic Laboratory, Inc. | 10% DISCOUNT on room, 2D Echo, laboratory and diagnostic tests (Exclusive of Doctor’s professi. |
| Aisah Medical Hospital | 5% DISCOUNT on total hospital bills for inpatient and outpatient. |
| Adventist Hospital - Santiago | FREE computerized eye refraction. |
| Balane Optical Clinic | 8% DISCOUNT on all laboratory exam, X-Ray and ECG. |
| Baquiran-Merano Medical Clinic | 10% DISCOUNT on MRI Procedure. |
| Bangued Christian School | 5% DISCOUNT on X-Ray, laboratory packages, diagnostic services, and consultation fees 5% DISC. |
| Banawe Diagnostic MRI Center | 10% DISCOUNT on laboratory, X-ray. |
| Benguet Laboratories | 5% DISCOUNT on selected laboratory tests (CBC, FBS, Creatinine, Lipid Profile, Uric Acid, SGO. |
| Capitol Medical Center | 5% DISCOUNT on all outpatient services for cash payment only (Exclusive of therapeutic proced. |
| Calamba Medical Center | 10% DISCOUNT on ultrasound including Doctor’s professional fee. |
| Buhangin Medical Clinic | Up to 20% DISCOUNT on selected laboratory tests. |
| Daily Care Vision Center | 10% DISCOUNT on prescription glasses, sunglasses, graded and non-graded contact lenses 20% DIS. |
| Curamed Pharmacy | 10% DISCOUNT on Covid-19 tests, laboratory tests, blood chemistry and X-ray. |
| De Los Reyes Optical | FREE eye refraction/eye check-up. |
| Diaserv Laboratory | 5% DISCOUNT on hospital bills (Exclusive of Doctor’s professional fee, net of PhilHealth. |
| Dentagem Dental Clinic | 18% DISCOUNT on diagnostic & laboratory tests for outpatient. |
| Dr. Cabuco Hospital | 20% DISCOUNT on normal delivery & cesarean section. |
| Dr Amando D Cope Memorial Hospital Inc | 10% DISCOUNT on laboratory tests. |
| Dionisio M Cornel Memorial | 10% DISCOUNT on laboratory procedures. |
| Fatima University Medical Center - Antipolo | 10% DISCOUNT on hospital biils. |
| Fe del Mundo Medical Center | 10% DISCOUNT on laboratory tests. |
| Eye Society | FREE DENTAL CHECK-UP/CONSULTATION. |
| Immaculate Concepcion Medical | 8% DISCOUNT on basic 4 exam. |
| Health FIrst Clinics | 8% DISCOUNT on hospital bill. |
| Karmelli Clinic & Hospital - Laoag | 8% DISCOUNT on laboratory examination, diagnostic examination and procedure, and pre-employme. |
| Kidapawan Medical Specialists Center, Inc. | 10% DISCOUNT on room rates, laboratory and diagnostic tests. |
| JTan-Lopez Dental Esthetic Centre | 10% DISCOUNT on oral prophylaxis and light cured filling. |
| Lipunan Hospital, Inc. | 5% DISCOUNT on total hospital bills for inpatient and outpatient. |
| Metrobaguio Laboratories | 10% DISCOUNT on blood and body fluid tests, ultrasound, X-ray and ECG. |
| Medical Mission Group Hospital | 10% DISCOUNT on room rates, laboratory procedures, radiology & imaging services, cardiology &. |
| Diagnostic Clinic, Inc. | 10% DISCOUNT on hospital bills for inpatient. |
| Northside Doctors Hospital | 5% DISCOUNT on hospital bills (Exclusive of Doctor’s professional fee). |
| Naic Doctors Hospital Incorporated | 10% DISCOUNT on Varilux Lens (Exclusive of Promo and Professional Fee). |
| Nakpil Eye Clinic | 10% DISCOUNT on laboratory and diagnostic services (X-ray, ultrasound, 2D echo and treadmill t. |
| MyHealth Clinic | 10% DISCOUNT on all laboratoty, X-ray and diagnostic services for outpatient. |
| Nabunturan Doctors Hospital | FREE CONSULTATION. |
| One Asia Dental | 10% DISCOUNT on room accommodation for inpatient. |
| Medical Clinic Inc. | 10% DISCOUNT on hospitalization for inpatient and outpatient (net of PhilHealth & HMOs) 10% DI. |
| Pagudpud Adventist Wellness Center | 10% DISCOUNT on laboratory and ultrasound tests. |
| PMP Diagnostic Center, Inc | 8% DISCOUNT on laboratory, X-ray and ECG services. |
| Ramos-Parra Medical & Diagnostic Center | 10% DISCOUNT on all laboratory and diagnostic services including Covid-19 tests for outpatient. |
| Resonable Hospital | 8% DISCOUNT on pharmacy medicines for outpatient. |
| Rakkk Prophet Medical Center | 20% DISCOUNT on CT Scan, ultrasound, X-ray and laboratory tests. |
| Ranada General Hospital | 10% DISCOUNT on medical in-house consultation, laboratory, X-ray, and newborn screening examin. |
| Santos General Hospital | 10% DISCOUNT on laboratory and radiology test. |
| San Mateo Multicare Hospital | 20% DISCOUNT on normal spontaneous delivery if with active PhilHealth. |
| San Francisco Diagnostic Medical Clinic | 20% DISCOUNT on blood chemistry examination. |
| Smile Designs Dental Spa | 10% DISCOUNT on all routine laboratory and diagnostic tests (inpatient/outpatient) 10% DISCOUN. |
| Sunga Hospital | 10% DISCOUNT on medical bills (Exclusive of Doctor’s professional fee, extended to immediate f. |
| Vicente L. Danguilan Memorial Clinic | 10% DISCOUNT on room accommodation. |
| Tanza Doctors Hospital, Inc. | 8% DISCOUNT on annual physical exam, routine check-up, and laboratory packages. |
| Tayug Family Hospital | FREE external eye examination/assessment, objective and subjective refraction. |
Education
| Partner | Discount |
|---|---|
| Colegio de San Juan de Letran | 10% DISCOUNT on Programs under the Asian Institute of Management’s School of Executive Educati. |
| Goldenstate College | 10% DISCOUNT on tuition fee on all courses (Extended to immediate family members). |
| International Colleges | FREE TUITION FEE for Grade 11 to 12 and additional. |
| Good Samaritan Colleges | 15% DISCOUNT on tuition fee for all incoming students/transferees in all levels. |
| Feliz Academy Inc. | 15% DISCOUNT on tuition fee. |
| Epiphany Christian Academy | 10% DISCOUNT on tuition fee on all levels (Extended to immediate family members). |
| Kidapawan Doctors College, Inc | 15% DISCOUNT on tuition fee on all courses (Extended to immediate family members). |
| Systems Plus College Foundation | 15% DISCOUNT on tuition fee on all levels and courses (Extended to one (1) immediate family me. |
Hotels & Resorts
| Partner | Discount |
|---|---|
| Crown Royale Hotel | 20% DISCOUNT on room accommodation and packages based on published rates. |
| Garden Orchid Hotel | 20% DISCOUNT on room rates and entrance fee. |
| Glory Inn & Suites | 10% DISCOUNT on room accommodation based on published rates. |
| Llazara Villas | 20% DISCOUNT on room accommodation. |
Beauty, Auto & Other Services
| Partner | Discount |
|---|---|
| Belle La Peau | 50% DISCOUNT on oxygen infusion facial. |
| Salon U-Ropa | 10% DISCOUNT on hair, skin and health products. |
| Picture Picture | 15% DISCOUNT on all Solar Packages. |
| Dancorr Car Care Center | 5% DISCOUNT for a minimum purchase of ₱1,000. |
| VPR Marketing | 5% DISCOUNT for a minimum puchase of ₱5,000. |
| San Fernando Funeral Homes | 5% DISCOUNT on select regular-priced items worth ₱500. |
How to Actually Use the Card at Checkout
Present your Pag-IBIG Loyalty Card Plus (or a previously issued Loyalty Card) to the cashier before paying, not after the receipt is printed. Most partners won't apply the discount retroactively once a transaction is already closed. For percentage-based discounts with a stated minimum and maximum, like McDonald's 5% off between ₱200 and ₱500, check whether your order actually falls in that range before assuming the discount applies to the full bill.
Some categories run on a points system instead of an instant discount, Puregold and Petron both credit points per peso spent that get redeemed later, rather than knocking money off the current transaction. Ask the cashier which type of program a specific partner runs if it isn't posted clearly at the counter.
Since the full partner list runs into the hundreds and updates as Pag-IBIG adds new merchants or partners adjust their terms, the official Pag-IBIG Fund website carries the current, complete directory, worth a check before a big planned purchase where the discount would actually move the needle. If you're stacking savings across your monthly budget, our best digital banks in the Philippines guide and best cashback credit cards guide cover the other side of the equation, where you bank and pay from, alongside a government perk like this one that most members are leaving unused.