The Pag-IBIG Loyalty Card Plus has been around for years, giving members exclusive discounts and perks from partner establishments. But in 2025, Pag-IBIG has expanded the benefits even more, making the card not just a discount tool but also a practical financial partner.
If you’re wondering whether the Pag-IBIG Loyalty Card Plus is worth getting this year, here’s a breakdown of its latest benefits in 2025.
1. Still Your Official Pag-IBIG Transaction Card
Just like before, the Loyalty Card Plus serves as your official Pag-IBIG identification. It makes it easier to do transactions such as:
- Loan applications and verification
- Claiming benefits
- Updating membership records
This saves you from having to bring multiple IDs when dealing with Pag-IBIG.
2. Now Works as a Cash Card
One of the biggest features of the Pag-IBIG Loyalty Card Plus is that it also acts as a cash card. Loan proceeds such as Multi-Purpose Loan (MPL), Calamity Loan, and Housing Loan disbursements can be credited directly to your card.
This is very convenient since you can withdraw your funds immediately via partner ATMs or use them for purchases.
3. Expanded Merchant Discounts in 2025
The Loyalty Card Plus continues to provide discounts from hundreds of partner establishments nationwide. But in 2025, Pag-IBIG has partnered with even more merchants, including:
- Supermarkets
- Pharmacies
- Tuition and school fees
- Gas stations
- Health and wellness services
These discounts may look small on paper, but over time, they help members save on everyday expenses.
4. Banking Features Through Partner Banks
Depending on where you applied, your Loyalty Card Plus is tied to either UnionBank or Asia United Bank (AUB). This means you also get access to standard banking services such as:
- Cash withdrawals from ATMs
- Fund transfers
- Online and mobile banking (via partner bank app)
This adds flexibility since you’re not just limited to using the card for Pag-IBIG-related transactions.
5. More Secure and Convenient Transactions
The updated Loyalty Card Plus now comes with EMV chip technology for better protection against fraud and skimming. It also enables cashless payments where accepted, making it more practical in today’s digital world.
How Much Does the Pag-IBIG Loyalty Card Plus Cost?
The card costs only ₱125 (one-time payment) when you apply at any Pag-IBIG branch. Considering the lifetime benefits and perks, it’s one of the most affordable financial tools you can get.
Is the Pag-IBIG Loyalty Card Plus Worth It in 2025?
Definitely. Aside from being an official Pag-IBIG ID, the Loyalty Card Plus now doubles as a cash card, offers growing discounts, and provides access to banking services. For just ₱125, it pays for itself quickly if you maximize its features.
If you haven’t applied for one yet, now is a good time to do so. You can also check my detailed guide here: How to Apply for a Pag-IBIG Loyalty Card Plus.
Blogger’s Corner
I personally think the Loyalty Card Plus is underrated. Many Filipinos still see it as “just another ID,” but if you know how to use it—especially as a cash card and for discounts—it becomes a practical tool for daily living. In 2025, with more merchants added and better security features, it’s even more useful than before.